vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-14 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2018, I discovered that my recently ordered Bank of America ( BOA ) debit card, with a MasterCard logo, was automatically charged {$24.00} by XXXX, but without my knowledge or consent. Although XXXX  did not have my debit card 's new account number, I was quite devastated when they were still able to charge my new bank card. This odd transaction had prompt me to quickly contact Bank of America to hopefully try to resolve this issue. Within my 1 hour & 20 minute recorded phone call with a very unprofessional woman named XXXX XXXX ( BOA Customer Service Representative : XXXX ), I eventually learned that I was enrolled into a BOA Account Updater VISA-MasterCard program. According to XXXX XXXX, this BOA program would automatically update my XXXX  merchant account with my new bank card information, but only when I chose to order a new bank card with a new account number. Unfortunately, when I asked XXXX XXXX to immediately " cancel '' this highly corrupt and unfair program, I was shockingly told that I did not have the authority to do so. XXXX XXXX also implied that when I initially signed my BOA debit card agreement, I unknowingly " waived '' my right to cancel this program and I automatically gave XXXX and any other merchant the authority to apply new charges to my new BOA debit card 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 2018-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: NJ

Complaint narrative:
XX/XX/XXXX I was contacted by XXXX XXXX of XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Fl. XXXX. At the time of phone contact I was beginning the process of discharge with XXXX. XXXX. My daughter receives federal SS XXXX as she is permentanly XXXX. XXXX indicated she knew of my situation and she worked as an agent for 1 ) XXXX the lender.2 ) The US Department of Education . She represented that the ONLY way to receive a discharge was to FIRST consolidate the loans. I subsequently received a federal form via email that had filled out by XXXX. I signed electronically and forwarded to the US Department of education. In XX/XX/XXXX Great Lakes loan servicing XXXX XXXX XXXX, XXXX Wisconsin XXXX allegedly sent me t a form via email that was the autorization to consolidate and select them as servicer. I DID NOT SIGN because I did not see it in my emails. When I received a statement from Great Lakes in XXXX. I called and was informed that I was now ineligible to apply for a discharge BECAUSE of the consolidation. When I explained I had not signed the autorization and would not have if I knew of the inelligibility to file a discharge Great Lakes indicated that because I DID NOT SIGN they were automatically selected and the consolidation completed and could not be reversed. I called XXXX and asked her how this could be. She was silent. I asked who paid you? She said the lender. I spoke to XXXX  ( XXXX XXXX the lender they stated no they do not pay third parties. I allege that XXXX was paid by Great Lakes and is running a criminal kickback and fraud. Why is Great Lakes permitted to assume servicing absent an affirmative autorization from me? I have been unjustly denied the right to apply for a discharge because of XXXX and Great Lakes. I have filed with the FTC and the US department of education. This requires investigation. XXXX on her web site claims the lender pays. She claims 15,000 satisfied students. She lied, misrepresented and should be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: OR

Complaint narrative:
Awarded property in Divorce. Trying to refinance eight years since XX/XX/XXXX. 
Ex husband a Sheriff placed " cease & desist '' with Fay Servicing. XXXX. XXXX ... to stop this firm dealing with myself. Judge in Oregon awarded property to my son and I. We have lived here, custom built home, 11 years. Sheriff 's Dept seized once. XX/XX/XXXX. I hired lawyer. Sheriff 's Dept trying to seize again XX/XX/XXXX ... .. FORTY THREE DAYS. 

LOOKING AT FBI, or lawsuit perhaps. Fay Servicing will not return calls, emails, XXXX. Sent direct message to CEO today. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a credit card with Capital One in XX/XX/XXXX. From the start, the card was set up so that the full outstanding balance at each month was automatically taken from my Savings account with Capital One 360. 
This happened every month until XX/XX/XXXX, when Capital One failed to make the monthly transfer and then charged me a past due fee of {$25.00} and interest of {$100.00}. A further interest charge of {$4.00} was taken by Capital One on XXXX XX/XX/XXXX, relating to the same Capital error. 
I wrote to Capital One of XXXX XX/XX/XXXX requesting that these fees were reimbursed. There was no response. I wrote again on XXXX XXXX and received an email asking me to phone them because they did not have all the information! 
I phoned them on XXXX XXXX and they agreed to refund the past due fee but refused to refund the interest charges. They accept they made an error but refuse to compensate me for all the charges from their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems
State: MO

Complaint narrative:
I never received any correspondence by mail or email about such debt. I am entitled to be notified prior to placing anything on my credit report. I am unaware of such debt and I was unable to request validation of debt of such debt prior to reporting on my credit report which is required by law if I choose to do so. Unfortunately, I was not given that option. 

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/18 Dear MIDWEST RECOVERY SYSTEMS XXXX : XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit from Midwest Recovery Systems. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Wrong amounts inflated to XXXX a collection agency scam reported it without the creditor 's permission. The credit reporter company did not remove it after a dispute was filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have paid my bill, yet it shows that my balance is unpaid on my credit report. I paid my bill on the XXXX of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: FL

Complaint narrative:
I have paid my bill, yet it shows that my balance is unpaid on my credit report. I paid my bill on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have paid my bill, yet it shows that my balance is unpaid on my credit report. I paid my bill on the XXXX of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
False Advertising complaint against XXXX XXXX. They consistently advertise VA Mortgage Loans as {$0.00} Downpayment without providing details of who actually pays the lender closing costs and prepaid items ( insurance, tax escrows ). You must submit all of your information and then have the explanation provided by a Realtor that they refer the lead, who pays a portion of their commission to XXXX XXXX, which may be a separate issue regarding Lender Rebate programs. 
The VA Mortgage product is at best a 100 % financing option ( based on the Veterans Entitlement and loan amount chosen ) with Closing Costs typically paid by the Seller in negotiated concessions in the sales contract. Lenders may also build these costs into their rate but based on XXXX XXXX published terms that does not appear to be the case.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I sent {$700.00} to XXXX XXXX XXXX on XX/XX/XXXX. They confirmed it had arrived on XX/XX/XXXX. Coinbase claims they can not find the {$700.00} and has not credited my account or sent the money back and it has been 53 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: ME

Complaint narrative:
IN XXXX of 2017 I was encourged by a co worker to go to XXXX XXXX in New Hampshire as my co worker 's son was a sales person at this dealership. I had just turned XXXX years old and had no knowledge of how to buy a car or secure a loan on my own. I did not know what a good interest rate was, what it means to have a consigner and on and on. A couple of months later my car was vandalized and I came down with XXXX. As. XXXX XXXX I needed my car for work and was unable to drive the vehicle any longer for safety reasons. I was also not able to XXXX any longer as I could not afford to register the car. I was not aware that as a resident of the state of Maine I would have to pay the taxes I " saved myself '' by purchasing a vehicle in NH. Given the XXXX I was not able to work " inside '' tXXXX XXXX  for a week. This caused my to be behind financially. I started to recieve calls from XXXX XXXX ( the company my car is financied through ) and it was at this time I realized that something must be off with this loan. I had my mother call Exeter with me to explain the terms of my loan " I had no paper work on hand ''. I learned that my interest rate is 27 % over a course of 72 months, that it is a simple interest loan and I am being charged a fee of {$10.00} a day for each day that it is late. That $ XXXXday does not increase my payment but it does take away form the amount of my payment that is applied to the principle. I am also being charged a 5 % late payment fee that does increase my monthly payment after being late 10 days. On the advice of my mother and with her assistance I am writing this complaint. A 27 % interest rate sample loan for a vehicle is AT BEST PREDATORY and can not be legal? I was 100 % taken advantage of by the finance department at the Dealership. XXXX XXXX should be locked away for charging this type of rate for a loan and then adding astronomical late fees! It is obvious that this company preys on people with poor or no credit, they never intend for me to be able to pay off this loan, they are making more profit off the backs of people with little resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
XXXXAmsher Collections Services Inc. 

This is the second time you have violated the law and myself. YOU DID THE SAME EXACT THING IN XXXX. IS THIS HOW YOU ATTEMPT TO COLLECT ANY DEBT? BY NOT VERIFYING THE DEBT STATUS, AND NOT CONTACT THE DEBTOR TO MAKE ANY ARRANGEMENTS TO PAY. Not once did you try to reach out to me to attempt to collect any debt or advise an collection status. I do understand your FOR PROFIT Debt Buyer Company buys unknown unverified debt in turn to make a profit. This must stop. I need notification today this fraudulent COLLECTIONS STATUS is removed. 

Why does AMSHER waits to I pay the medical Bill in full only to place the current account in collections????? PLEASE ANSWER I am in receipt of the collections practices and correspondence made by Amsher Collections Services Inc. This Account has been paid in full since XX/XX/XXXX, and you have still ignored my payment. As of XX/XX/XXXX I have received several credit bureau alerts IAO {$110.00}. Regarding allege records of nonpayment to XXXX XXXX XXXX by myself. 
In conclusion it is my position to dispute Amsher Collections Services claims are entirely without merit. Amsher Collections Services Inc. must correct their records, and remove from the collections process FROM ALL THREE CREDIT REPORT AGENCIES. 

FYI, Amsher Collections is only known as a Debt Buyer with no actual proof, debt validation, or payment history really exists as the CFPB does not accept these kinds of violations. You have until Today to remove the collections from all Bureaus you are reporting inaccuracies. We are will filing suit against your For Profit Company AKA as a Debt Buyer Company, and involve several third parties to insure you comply, and recover any financial compensation by law. I request you send me confirmation you have complied with my request. 

Please see attached supporting docs and dispute letters are in transit to multiple agencies to insure you comply with the law. DOCKET IS FILE! 

FYI, Please respond to all to insure your complying with my request TODAY. Copied is my Attorney, CFPB, AL State Attorney General

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Repeated phone calls, 3 in a row this morning at XXXX. They leave no voicemail. Called back to find company name is diversified inc. We have received 0 mail from them and the calls have gotten to be daily on my cell phone and my parents house line. 
XXXX XXXX XXXX This has been going on for about a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I wasn't told the amount of my monthly mortgage payments until the day of settlement, before settlement I kept asking how much my monthly payments would be I wanted to be certain if I I could afford to pay. I was told that my monthly payments was what I wanted them, okay I trusted wells Fargo and XXXXXXXX XXXX that they did have my monthly payments around where I told them I could afford to pay and it was nowhere near what I had said they were in which I knew this amount {$1000.00} per month would be a struggle. This has taught me to never trust anyone when it comes to your finances because it is all about a dollar not fairness. 
On XX/XX/XXXX, I purchased a modular home land package from XXXXXXXX XXXX   in which wells Fargo was the service lender. Wells Fargo based my sole income on overtime in which months later I lost my overtime I applied for a modification for lesser monthly payments I was denied immediately. At this point my income became less than what I was paying for my home. In XX/XX/XXXX, my doctor took me out of work due to medical reasons. In XXXX, I had to resign my job because of medical reasons. As I was trying to modify my loan at that point. I understood I couldn't get a modification due to not having income. As my house has gone on the foreclosure list many times at one point we had mediation due to no income the issue wasn't resolved. In XXXX, I finally received my Social Security XXXX so therefore, I now had income but wells Fargo denied my modification. As my housing counselor was scrutinizing my loan information he informed me due to the income I was making per month that it looked like PREDATORY LENDING to him he asked a question was my gross per month {$3000.00} or more at the time of the loan process I informed him NEVER he specifically stated to me that I should have never been in this loan as he was a former Attorney. I have had to file Bankrutcy twice in order to keep my house. Wells Fargo is being deceptive as they will not let me in the door to modify my home. I am going to the extreme to expose them for the Fraudulent acts they have done and is doing and in the mean time trying to save my home. Again this is not a stick built home it is a manufactured home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
My payments increased from {$800.00} to approx {$1100.00} and I did my best to pay. I became delinquent around XX/XX/XXXX. I was confused, facing homelessness, and not sure what to do about this. I reached out to Nationstar/Mr Cooper, for assistance. They spread the payments over a few months. I was unable to maintain. I was not given any other options. 
In XX/XX/XXXX, a local ministry/consultant informed me of possible options to Prevent Foreclosure. I paid No Money to this Consultant and gave written authorization to Consultant to speak on the account. On XX/XX/XXXX, we informed Nationstar of our intention to short sale and prevent a foreclosure. We were informed that when an offer is received it must be initiated by a real estate agent via XXXX XXXX. 
We advised Nationstar/Cooper that there was no real estate agent involved and that we hoped to have a Cash Offer soon after the home inspection is completed. 
Nationstar/Cooper did NOT CLARIFY PROTOCOL to complete a Loan mod packet FIRST, then go to XXXX. On XX/XX/XXXX, XXXX rep Unique, XXXX, and XXXX informed Consultant of Mr Cooper site and XXXX. However, the packet was to be mailed to my address as we focused on details of raising the money to pay Cooper account off. I never received the packet that Cooper says was mailed out. All of my mail is being delivered properly EXCEPT Mr Cooper. During this time, the account was sent to foreclosure and a  foreclosure sale date was set for XX/XX/XXXX. 
TO DATE, I HAVE NEVER RECEIVED A NOTICE OF A FORECLOSURE SALE. 
The Consultant found out about the f/c sale date by word of mouth. In fact, when we call in they verify the account but did not mention the sale date until we asked. 

As of XX/XX/XXXX, it was made clear to me and the consultant. XXXXXXXX   never had intention to assist me with saving the home from foreclosure. Therefore, I am writing you for help. This Home does NOT have to go to foreclosure if given clear instruction for mortgage assistance.

Company response to consumer: Closed with explanation