vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Respectable Gentlemen I asked Bank of America to stop withdrawals from my savings account by XXXX XXXX, who bought an unsigned contract from XXXX XXXXXXXX, who was supposed to help me in a loan Forgiveness that resulted in a consolidation. The whole transaction was misleading and once I realized it I reported the fraud to the bank and requested they stop payments immediately and help me get a refund from XXXX XXXX who cheated me and XXXX XXXX who I do not know and with whom I ended up having this debt for a " Service '' that was n't fulfilled. 

The bank has not fully cooperated with this problem and from the beginning they were trying to charge me for a stop payment to XXXX XXXX XXXX who I do n't know ) even though I explained to them that I was mislead by XXXX XXXXXXXX to believe that my student loan was going to be forgiven but instead, they were only consolidating it and for which they were trying to charge me a RIP OFF fee of {$2000.00}, so to make sure they got their share they sold my contract to XXXX XXXX. 

Bank Of America has apparently ignored my request and have reached a decision based on documents that XXXX XXXX has offered and which I never had a chance to see or evaluate and which dont even have my signature. 

I hope I get the support on this Issue as you are my last and only source for help. 

Thanks so much in advance Respectfully yours 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 monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
loan is showing late payment ... .payment was never 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
Consumer complaint received 2017-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX my daughter used XXXX to pay me back {$100.00}. I have the confirmation from her bank, XXXX XXXX. Unfortunately, she had a typo in my email address, but I called XXXX before we knew this and they said they did n't have anything and that it would take 3-4 business days anyway. The money was returned to my daughter on XX/XX/XXXX. On that same date at XX/XX/XXXX at XXXX XXXX XXXX, she resent the money. The confirmation code from XXXX XXXX is XXXX. 
I have been waiting since then. I called XXXX on XX/XX/XXXX and spent 90 minutes on the phone - 45  minutes with the person trying to help me get the app up on my phone and then another 60 minutes  on hold with their " advance support. '' The XXXX case number is XXXX. I gave them ample time to transfer the money. As I XXXX them, I find I 'm not the only one having problems. My thought is that this company should n't be responsible for handling currency transfers if they do n't have it together. I want my money. 
Today, XX/XX/XXXX, I called again, waited on hold for 40 minutes. I spoke with a representative and she wasnt able to help and, as usual, the questions, Are you sure you used the right password? Did the sender put in the right email address? Then it was we have to escalate this to the next level because your account has been locked because of the attempts to get into it. When I asked where my money was, they said it wasnt in my account and that, we dont know where it is, but your daughter can cancel and resend. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I have a home equity line of credit with TD Bank. My payment is due the XXXX of every month. My XX/XX/XXXX payment was paid on XX/XX/XXXX. Instead of paying the total current due, which was {$150.00}, I paid {$7400.00}. After paying said amount, the updated total current due was zero. I  received a notice, dated XX/XX/XXXX, which read in capital letters, " THIS NOTICE IS A REMINDER THAT YOUR ACCOUNT IS PAST DUE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. PLEASE MAKE YOUR PAYMENT TODAY. '' It also included the following information : Past Due Date : XX/XX/XXXX Finance Charge Past Due : {$150.00} Unpaid Late Charge : {$7.00} Total Amount Due : {$160.00} As a result, my XX/XX/XXXX total current due has the {$160.00} tacked on for a total of {$300.00}, which I paid, upon receipt of the aforementioned notice, on XX/XX/XXXX. To recap, I paid my XXXX payment on XX/XX/XXXX AND XX/XX/XXXX, plus a late fee. This equates to a DOUBLE payment. 

This is no longer about the money, it is now about the principle. I wasted over an hour at their XXXX XXXX location on Saturday, XX/XX/XXXX. I had to repeat myself 3 times to 3 different employees, stand for over 30 minutes at the teller 's counter, while XXXX XXXX was on hold with whichever department she called to correct my problem, then was told by XXXX XXXX that they had no idea how long it would take, and for me to leave, and expect an update via telephone. After hours went by with no update, I finally called them. XXXX XXXX informed me that there was no update, because whomever picked up had no idea how to fix it, then transferred them to someone else, who, after hearing my problem, hung up. 

And TD Bank is supposed to be one of the 10 largest banks in the United States?! It is more like " The XXXX XXXX '' XXXX. Also, as an FYI, this is the SECOND mistake they made in less than two months. The first happened on XX/XX/XXXX, which they chalked up to an encoding error. I wrote a check for {$480.00}. They encoded it as {$1100.00}, which left my account with a balance of - {$660.00}, then charged me a {$15.00} maintenance fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I called Wells Fargo about removing PMI. I was sent a letter with various options on removal. In this letter one of my options states : Option 2 lists I must provide proof my home has not decreased in value, have no late payments and have an appraisal done by XXXX. Once complete option 2 then states if my LTV ratio is 80 % or less, I may cancel PMI. 

On XX/XX/XXXXI received the appraisal as done at my expense by XXXX the necessary appraisal company Wells Fargo required. The appraisal letter showed my LTV ratio at 77 %. Thus not only following their letter of requirement to remove PMI of proving ration less then 80 % But this also proves and follows the same law as explained in The Homeowners Protection Act of XX/XX/XXXX. 

On XX/XX/XXXXI called Wells Fargo to have the PMI removed after completing the paperwork and information they requested. They stated a new letter was sent requiring me to pay {$4000.00} ( approx ) to remove it or hit a LTV of 75 % or less. Which conflicts with the original letter and also goes against the law of the Homeowner Protection Act of XX/XX/XXXX. They are not only practicing unfair and illegal PMI charges but are going against their own letter of information on how to remove PMI.

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 2017-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The following statement consists of the information on the matter of the XXXX XXXX  account that we have gathered so far. 

After the statement there will be a few items we would like you to address. 

The XXXX XXXX statements that were emailed to us lists our address as a p.o. box address in XXXX XXXX S.D. However, we have never lived or even visited XXXX XXXX S.D. When we looked further into that p.o. box online we discovered an additional p.o. box in XXXX V.A. we were also unaware of. When we researched the new p.o. box we discovered an unknown owner that shared the p.o. box in XXXX and owned another p.o. box that shared a close proximity to the XXXX XXXX p.o. box. 

We have never received any statements prior to those you sent, upon request, thus we had no prior knowledge of the account until your company called. 

According to XXXX XXXX, payments were made from XXXX, XXXX through XXXX, XXXX, with payments ending on XXXX, which corresponds with the information you provided. However, our bank has no record of either themselves or us, the account holders, stopping the automatic payments. 

Additionally XXXX XXXX shows payments being made on XXXX and XXXX of XXXX but there is no record of payment for those two months in our bank records. 

Finally, XXXX XXXX states that the payments should have been XXXX XXXX dollars but the office depot statements you emailed to us only show XXXX XXXX dollars as payment due. 

In conclusion we have several requests for you to look into. And they are as follows. 

1 ) We request a list of all purchases made since the opening of the account in XXXX till the last purchase made in XXXX of XXXX. 

2 ) Find out why the account was closed and who authorized the closure. 

3 ) What is the location where the account was activated in 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 non-monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I have a medical collection that was supposedly owed through service at XXXX XXXX in XXXX, NC on XXXX/XXXX/XXXX. The bill was received initially from XXXX XXXX XXXX, in the amount of {$670.00}, who I contacted to find out what the charges were for. The hospital had no record of the bill, my insurance had no record of the bill and the company provided nothing more than the date of service and the amount due despite several requests on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The bill was then sold to Optimum Outcomes IncXXXX who I have again tried to validate with on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX by both fax and mail. Again, despite my requests to validate what was owed and for what service, I was once again given only a date and an amount. I have repeatedly requested this either validated or removed from my credit reports with no assistance from the company or the bureau who just keeps stating the company validated it. I would pay this, but I can not find any proof that I owe it and the insurance has no record that I should owe it. I have tried numerous times to correct this with both companies and the bureaus with no luck. Please assist. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
On or about XX/XX/XXXX we applied for a loan modification. Caliber home loans asked me for a lease for my rental property which I submitted via-email. Caliber has not sent me a approval letter or denial letter explaining the reasons for a denial. They have scheduled a sale date for XX/XX/XXXXwhen I feel based on our income and hardship, we should be able to qualify for a loan modification. 

We talked to Caliber Home Loans about a short sale. XXXX XXXX, a non-profit agency was willing to purchase our home. An offer was submitted, but on XX/XX/XXXX, Caliber denied the offer saying it was too low. A higher offer was submitted that was near the appraised value. Caliber did not approve or deny the offer. Additionally, we feel the denial was premature because the they acknowledgment letter was not sent until XX/XX/XXXX, but we were denied on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: MD

Complaint narrative:
I was signed up for direct debit and all of a sudden they took me out with out notifying me and when I kept calling and trying to log in online the password would not work I kept reporting it no one would help me and now my credit has dropped over 90 points while I am in the process of trying to buy a home. I have tried to get help and I have tried to have them remove this off my credit with out a reply, like all the other times I was trying to get help before it was to late. This company is a scam and they have ruined my life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I have previously stated that I have no debt with XXXX XXXX and CAINE & WEINER COMPANY, INCXXXX has not sent me anything by mail notifying me of a debt or my right to dispute it, violating the law. If they sent the verification certified then they need to send the confirmation that the letter was delivered and to what address. I have received many things from XXXX XXXX through e-mail and regular mail and not 1 thing was a bill. Also, the collection agency has had more than enough time to provide verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was recently defrauded by what I thought was a company that wanted me to work for them. I have my resume up at online job boards like Monster and I received a response from a company concerning a XXXX XXXX position. Although they seemed to be legitimate, they defrauded me for $ XXXX. 

Once it dawned on me that this was a ruse, I contacted the FBI and the Secret Service. I then asked Chase to place a hold on my credit card account. Since it 's been a few weeks and I have yet to hear anything back from the FBI or the Secret Service, I called Chase to find out whether or not I had any fraud protection on my card. Suffice it to say that the woman that I ultimately was transferred to, did not make me feel as if I had been victimized ; she made me feel as if I was an accomplice and was arguing around semantics. She said that I was scammed and not defrauded and therefore not eligible for fraud protection. The words are synonymous though and I explained that in my Email to the CEOs of the bank. I 'm just asking that they help me with this situation and that 's what I called to do until I was challenged by this woman. Surely they can see that I was acting in good faith when I thought I was acting as an agent of this company. I left out a lot of detail for the sake of brevity but I will gladly provide you the Email that I sent to the CEOs if you need it. 

Not only did she make me feel as if I was somehow in collusion with the criminals, she hinted that they have placed some type of freeze on my credit which makes me feel re-victimized because I need my credit to qualify for school loans. Is there anything that you can help me with? Is there any way that I can help myself? 

Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hard Credit Inquieries, Capital One reports that they conducted a Hrad Inquaiery on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I nevery request any credit with them, knwoing that this would hurt my Credit Score. They  refused to assist me with the removal of these inquieries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: GA

Complaint narrative:
I was called last week ( date not remembered ) by someone asking for my name but would not identify themselves or why they called ; other than they were with ERC. 
I asked this person to stop calling. NOTE : I do not have debt in collections ; I pay all of my bills " on time ''. Two weeks ago I was called by someone from ERC. 

On XXXX/XXXX/XXXX I received another call from the number identified in my caller ID. 
I went on-line and Googled the number. It is for " ERC '' ; a debt collector. 

I have asked that they never call my number again - but it has not worked for me. 

I am a senior citizen and wary of " SCAMS ''. I believe this is a scam because I do not have any debt in collections. I have severe XXXX XXXX XXXX, XXXX, XXXX XXXX conditions, etc. Please make these people stop harassing me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: NATIONWIDE ACCEPTANCE LLC
State: MO

Complaint narrative:
XXXX/XXXX/2015, my vehicle was charged off, after being unable to pay for the vehicle. the vehicle was added to my credit report, however he account was never closed. I have contacted the Nationwide Cassel LLC Account # XXXX, with ending amount of {$9600.00}. I contacted the company and offered to pay 35 % of the amount owed. ( {$9600.00} ).  Nationwide Cassel LLC XXXX Nationwide counter stating they would settle for {$10000.00} Nationwide increased the amount after knowing that I was in the process of buying a resident.

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 2017-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
My conversation with MoneyGram customer service representatives XXXX ( ID # XXXX ) took place on XX/XX/XXXX with regards to my request to stop the payments that were processed through MoneyGram on the dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX at the CVS location on XXXX XXXX XXXX, XXXX, NJ XXXX. 
I am very dissatisfied with MoneyGram services and attitude towards the customers because on the above-mentioned dates I made several money transfers that I came to find out were fraudulent. On XX/XX/XXXX 10 minutes after the last transaction was processed I called MoneyGram and explained the situation, provided all the reference numbers, accounts and amounts to the representative XXXX. I was advised that all the necessary actions will be taken in order to stop fraudulent payments and whatever possible money retrieved. I was also advised that one of the supervisors in the department will keep me updated and will call me back with the update on the issue. I made several attempts to resolve this problem by calling the number listed for questions and concerns ( XXXX ). Each of my phone calls would end the same way, representative would get all the information about my previous conversation, would put me on hold explaining it by transferring me to the supervisor and 15 minutes later hang up the phone. After 5 attempts and spending numerous hours on the phone I gave up without any results. I have enclosed copies of my records and receipts. It is also came to my attention that MoneyGram was able to stop one or two transactions, because I received the phone call from the company that was trying to scam me, that 1 or 2 payments never went through. 
Unfortunately, the problem remains unresolved. 
Thank you in advance for your assistance in resolving my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: MD

Complaint narrative:
I was signed up for direct debit and all of a sudden they took me out with out notifying me and when I kept calling and trying to log in online the password would not work I kept reporting it no one would help me and now my credit has dropped over 90 points while I am in the process of trying to buy a home. I have tried to get help and I have tried to have them remove this off my credit with out a reply, like all the other times I was trying to get help before it was to late. This company is a scam and they have ruined my life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX publisher put up a new privacy policy that allows opt out of individually tailored ads. One of the companies they work with is XXXX. Upon going to XXXX I found that they had an agreement to obtain information from the credit bureau Equifax, XXXX : XXXX Following the link to Equifax and looking at their privacy policy I found that they are integrating my demographic information and selling it, XXXX : XXXX This does not meet my expectations for how my family 's financial history should be used. I believed my data was private. If a company wants to ask for a list of people with a certain income range, credit score range and is then provided names and/or contact information for the list provided, how many inquiries would be needed to identify my private information. The databases already contain a computer or mobile device identifying my every move on the Internet. How is this credit bureau protecting my information? While it is making money at my personal financial exposure risk?

Company response to consumer: Closed with explanation