vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed all of my accounts in XX/XX/XXXX. I had been a customer of BofA since XX/XX/XXXX, and they closed all of my accounts without an explanation. I had a balance of Preferred Rewards points worth {$1700.00} that I was not able to redeem. I would like my Preferred Rewards that I earned to be returned to me in the form of a cash payment. I would also like to be able to open a BofA checking account.

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 2017-04-13 00:00:00
Product: Other financial service — Credit repair
Issue: Advertising and marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I was notified by a creditor that my personal information was being used to change/ charge on my credit accounts. Upon reporting and freezing account with credit bureaus, I found that I had been solicited by a " credit repair '' law firm in the form of them running my credit report. 

In addition to this law firm running my credit report, at the same time my identity theft was being committed, I have been receiving credit and loan offers in the mail. I believe that in my research for a personal loan/debt consolidation when I visited XXXX, my personal information was SENT directly to an unsecured site, where misc companies could view and solicit. At the same time, My personal information was stolen. IDENTITY THEFT. 

I decided NOT to pursue a loan, and I did NOT need credit services or credit repair and I thought I had deleted information on the XXXX site that I landed on. I certainly DID NOT agree to a credit check or any further solicitation from any lenders or credit services. 

THE ISSUE IS : Whatever unsecured site ( s ) these lenders, credit repair companies, etc got my personal information from, is also where the information was unsecured for IDENTITY THEFT to occur. I would like to investigate where they got my personal information from and this may lead to the person/persons who used my information in IDENTITY THEFT. 

The Company that ran a credit check ( 3 times ) without authorization : Lexington Law PGX/LEXINGTON/LAW XXXX XXXX, UT XXXX XXXX Loan Solicitation By mail : RPM Lenders

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
My mortgage loan was sold to LoanCare in XX/XX/XXXX. In XX/XX/XXXX, XXXX mailed me an escrow analysis statement indicating my payment was reduced by approx. {$200.00} effective XX/XX/XXXX. I mailed LoanCare the reduced payment for XX/XX/XXXX. Shortly afterwards, I started getting calls about my payment. I called LoanCare and explained that my payment was reduced. They stated they needed to update their information and to fax them a copy of the XXXX escrow analysis. I faxed the information and emailed customer service but I continued getting calls. I called 3 times and eventually spoke to a supervisor. He assured me that he 'd correct the issue and he 'd send me a letter regarding any negativity regarding my credit. He left me a voice mail saying the issue was resolved. I then made the XX/XX/XXXX payment but I paid the higher amount because they were taking too long to fix the problem. I then received a statement from LoanCare with the corrected payment due and I made the payment for XX/XX/XXXX. I mailed my payment as directed. I checked my credit score in XXXX and it dropped XXXX points. When I reviewed the reason, it indicated my payment to LoanCare was 30 days late for XX/XX/XXXX. I called LoanCare again and was told they would call me the following day because the supervisor I mentioned was not in the office. I did not receive a call back. Since then, I received from Loan Care another escrow analysis and it is now indicating that the payment has gone back up again. I reviewed it against my old XXXX escrow analysis statement and there is only a difference in the amount being applied to principal each month XXXX different interest rate? ) ; hence, there is less available to pay the taxes and insurance ( Both are the same amounts as in the previous year ). I have called, faxed, emailed, begged and pleaded for this matter to be resolved and for my credit score be corrected but they are not doing anything. This is ridiculous that I have had to spend hours on the phone and my score has dropped XXXX points. I have not done anything wrong but I am the victem of automated systems and customer service reps that cant help. What should I do next?

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 2017-04-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We XXXX bought a timeshare while on our honeymoon in XXXX. Most foolish/worst financial decision of our lives. This was XX/XX/XXXX. We 've been trying to get rid of it since then. We 've fallen prey once already to a company claiming to resell it for us. Since then we disregarded several more attempts to scam us around this issue. Sadly, in late XX/XX/XXXX we got another resale offer. This one looked legitimate possibly. I forwarded the contract to an attorney who I spoke to but he stopped engaging. We had several phone conversations with the person posing as XXXX and felt there was legitimacy to this. We moved forward. We wired {$1200.00} for fees that were " guaranteed '' to be returned upon closing. An additional {$1000.00} was wired for taxes ( non-returnable. our only " cost '' ). We were told that the closing was scheduled and that upon completion we 'd be contacted to chose a title clearing company where we could finalize our end of the transaction and receive payment. As the closing approached communications became sketchy and unprofessional. The closing was supposedly on Friday XX/XX/XXXX. We 've heard nothing since. There was also a man posing as XXXX in their " processing '' department that I spoke with and emailed with. Both he and XXXX 's phones direct to voice mail now. Neither has a mailbox message. Neither identifies themself. His mailbox is full. I 've left XXXX multiple messages. Her email bounces back as undeliverable. His does n't. Their email XXXX is an inactive website. Using XXXX it is owned by : Organization : XXXX Mailing Address : XXXX, XXXX NJ XXXX US Phone : XXXX. I see now there are multple compaints of fraud against this entity. I 've texted both XXXX and XXXX multiple times demanding a response. I 've heard nothing. I gave them until today, XX/XX/XXXX to respond before reporting them to the authorities. We 'd like to pursue this complaint to whatever degree is possible. I have complete email exchanges, the signed contracts, and the wire transfer details. I hope we can work with someone to pursue this matter further. Please advise.

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 2017-04-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My last payment to Chase credit card was XX/XX/XXXX and was scheduled to be removed from my credit file XX/XX/XXXX. 
In XX/XX/XXXX I requested my credit report from all XXXX credit bureaus and saw that Chase changed my payment history. It now shows that I was 60 days late by XX/XX/XXXX and then brought the account current for XX/XX/XXXX and XX/XX/XXXX and then went delinquent again in XXXX XXXX which extends the length of time this account remains on my reports. I have requested verification from all XXXX bureaus only to have the status verified and updated the removal date to XX/XX/XXXX. I sent a certified letter to Chase requesting proof of the XX/XX/XXXX and XX/XX/XXXX payments and they have not replied. These 2 payments are not true and were added by Chase to extend the length of time on my report. This account should corrected on my credit reports and be removed by XX/XX/XXXX not XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am disputing the underlying facts of an entry. They are reporting a XXXX XXXX account that my ex-wife opened without my knowledge but it still appearing on my report since XX/XX/2012. This has been disputed with Transunion and been removed, but Equifax refuses to understand that this account was her responsibility. I provided the details and the divorce decree but they still will only reply with " we verified this account belongs to you ''. I have a credit score in the XXXX range and pay everything on time. I would not make a late payment for a {$200.00} account. This is not right and needs to be removed. I have disputed with Equifax at least three times with a refusal to investigate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I used XXXX Chase Ink convenient checks for {$2000.00} each ( {$4000.00} ) to pay off other credit cards balances. They suggested this in a promotion that Chase Ink sent me. It had a upfront fee of {$40.00} for each check ( {$80.00} ). 

Starting XXXX I sent in checks to pay off this promotional {$4000.00} plus they were taking out auto payments on top of me sending in the extra money to pay off the promotional {$4000.00}. 

I wanted the extra checks I sent in to go to the Promotional {$4000.00} and the auto payments to go to my card regular balance. 

The total of checks i sent since XXXX for the promotional 0 % interest was {$2300.00}. 

As of today XXXX they say I still have a promotional balance of {$3400.00} after I sent them {$2300.00} in checks. 

Also remember I had auto payments being paid to my regular balance on this Chase Ink card. As of XXXX I paid auto payments of {$1900.00}. 

Chase Ink says they can not apply the extra checks I sent to the promotional balance, the {$2300.00}, because of rules and regulations. what are these?? 

My concern is that, they charged me a fee up front to use the checks, {$80.00}. Now they are NOT letting me pay off the balance of these checks because of rules and regulations?? 

AND to top it off ... in XXXX they start charging me interest on the {$4000.00} that they will not let me pay it off the way I want to pay it off. 

So to sum it up ... they charge me a fee to use the checks, {$80.00} and Chase Ink WO N'T let me pay off the promotional 0 % and in XXXX I start paying interest on a balance they wo n't let me pay off. 

In the end I will have paid a fee and then interest on top of that fee. That is NOT a promotional XXXX % interest offer!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been involved in a foreclosure case for nine years and the loan servicing company has routinely not followed up, has sent me incorrect financial information including loan balances and now refuses to send me loan reinstatement information, current loan balances and a loan payment history. I have been making my mortgage payments on time for the past four years and they have refused me a loan modification now because they say I make too much money. I was initially denied because I did not make enough money

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 2017-04-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Comerica
State: MI

Complaint narrative:
We are a XXXX ( XXXX per year ) and we banked with Comerica for four years. We found them to be very self-serving and not honest. We had enough of their Trumpian ways and have found a smaller community bank to handle our precious money. We will go out of our way to pass the word through online reviews that this bank is not a good choice for honest people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hi a wire was send to pay, {$4000.00} and one for {$350.00} for shipping.for an invoice, for a total of {$4300.00} thru Wells Fargo Business account, the same day that was Re-send was stop by me in the same day XX/XX/2017 that was a Friday, was stop by me, at the Bank with an officer and with wire customer service, the wire customer service, do to be Friday their left it for the following Monday the XX/XX/2017 this is neglecting in their part, and their send the funds anyway, now we are out the funds and their just washing their hands, telling me is to late, there is no way we going to lose that money, so we ask to help us in this matter Banks always get away with murder, their always committing fraud again customer and no body cares, we ask that their credit our account do to their neglecting specially today that everyone is a victim of fraud daily.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion received multiple disputes with correct and legitimate concerns and contacted me asking for additional info. I included substantial documentation including a copy of my ID and recent mail to verify my address. 
Transunion has failed to address errors on my credit report even after I disputed and followed the dispute process in its entirety. 

This is just a stall tactic, illegal under the Fair Credit Reporting Act.

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 2017-04-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
unlawful unfair abusive tactics to collect a consumer debt in iaw the [ fdcpa ] the are using legal jargon saying they need me to call back immediately to give tracing and location info to serve civil notice about some kind of litigation they have that never happened creating a false sense of urgency.they called my brother and told him all the details about my loan and ask him could he pay something on the loan.also, on XX/XX/2017 I received a recorded message about some reference number at XXXX at night waking up every one at home.i sent them a cease communication letter in XX/XX/XXXX but they just ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I disputed inquiries that were not made by me however I have not heard back from them.

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 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I rented an apartment at XXXX for several months. I provided a 60-Day Move Out Notice, paid all items ( rent, utilities, etc. ), got a zero-debt statement, and a refund check from landlord. Landlord 's manager XXXX signed a receipt.The apartment complex was XXXX ( managed by XXXX ) and currently is named " XXXX '' ( managed by XXXX ). However, Landlord has created a fake debt and sent it to collections agency NATIONAL CREDIT SYSTEMS whose representative XXXX ( XXXX ) has been harassing me for the last 3 months. XXXX said that her company had purchased my debt, tried to get me pay by phone, and threatened me with damaging my credit by informing the credit bureaus about this debt. I tried to speak with landlord, but it said they already " SOLD MY DEBT '' to the collections agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
In XXXX of this year I made an bank '' payment to American Express for the amount of XXXX, ( XXXX ). On XXXX/XXXX/2017 AE made a demand for payment to my bank, ( XXXX ) for XXXX, ( XXXX ). The amount on deposit would not cover the demand and payment was rejected by my bank. On XXXX/XXXX/2017 my XXXX bank account received a debt Reversal of ( XXXX ). On XXXX/XXXX/2017 I was charged XXXX dollars, ( XXXX ) for Returned Item. On XXXX/XXXX/2017 American Express retried to withdraw ( XXXX ) from my account. On XXXX I initiated a Stop and Hold on American Express, ( cost {$35.00} ). On XXXX/XXXX/2017 AE again retried to obtain payment of ( XXXX ). I have made numerous calls to the AE Customer Service Center in effort to straighten the problem out, after admitting an error on thier part AE sent me a check for, ( XXXX ) in payment for funds that were never withdrawn from my account due to lack of funds and a Stop and Hold order. I called thier Customer service Center and explained to them that since no payment was made by me they do not owe me any money ; I then asked them how they wanted the check handled, they advised me to return or destroy it, I shredded the check and advised them that it had been destroyed, I thought that was the end of the matter. No I am still receiving demands for payment for XXXX, ( {$10000.00} ). They just do n't seem to get it and as a result are damaging my excellent credit rating

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Failure to investigate completely. Accounts being reported in multiple categories, old accounts that are resold and relisted as new. Allowing removed accounts to resubmit.

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account is reporting 30 Days Late with a late payment in XX/XX/XXXX which is incorrect. This issue is specific to TransUnion reporting and has been previously disputed. My due date is the XX/XX/XXXX of each month. XX/XX/XXXX 's payment was made on the XX/XX/XXXX on time and XX/XX/XXXX and XX/XX/XXXX 's payment was made on the XX/XX/XXXX on time. The issue has not been permanently resolved. Per Transunion, XXXX is not sending updated payment history for each month. There has been no payment history updated since XX/XX/XXXX for Transunion. XXXX and XXXX have up to date current information.

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 2017-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
My husband and I had what we thought was a home equity line of credit on our home but found out that is was a loan that matured at then end of so many years and the total amount of the loan would be due. The loan was with PNC bank, the approximate amount of {$82000.00} and was due XX/XX/2017, we started working with PNC in XX/XX/XXXX to get this loan converted into a regular second mortgage loan. After speaking with numerous people we finally receive a call from a representative that sent us a package to complete and return. Weeks after PNC received the information they finally contacted us needing more information. I would call the representative that was suppose to be our contact person and leave messages regarding the loan and would rarely get a phone call back if one at all. I can not count the times I left messages and no call back. Once we did hear from her we were told that our debt income ratio would not support the loan. We were told to supply them with more information regarding our income and we did so. There again I was trying to get in touch with her because I knew the loan was coming due and there again no call back. I finally had to email someone at the branch to get our representative to contact me. Again, we were told they could not help us with the loan, even after they have had the loan for years and could look back and see how we paid each and every month with not a late payment at all. We then went with another bank supplied all information they needed and toward the end of the process with no problem. But when the mature date came due ( XX/XX/2017 ) and the total {$82000.00} was not paid in full PNC hit our credit with a late payment which dropped both our credit scores by XXXX points and I am sure we will get another hit for XX/XX/XXXX. Because of this, drop in our credit score, our new bank has put a halt on the loan. Therefore, PNC will not grant us the loan and they are preventing us from getting it with any other bank. We just need for PNC to remove the late payment so our credit score will go back to normal and we can get the loan and pay them off.

Company response to consumer: Closed with explanation