vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/2018, I made an online wire transfer of {$10000.00} from a XXXX bank account I have to XXXX XXXX XXXX, an online foreign exchange trading company officially named XXXX XXXX, XXXX. My intention is to make a transfer of US Dollars to an account in Euros I have in XXXX. The USD wire tansfer was made to XXXX XXXX via an account they have with XXXX  XXXX XXXX in XXXX. They supplied me with this account router and account number and bank address by email. After my XXXX account was debited the same day, I tried to contact XXXX Transfer for help with exchanging my {$10000.00} into Euros and having them sent to my account in XXXX. Nobody knew what I was talking about and they bounced me back and forth from an agent to another for hours. They were not aknowledging the receipt of the funds for a couple of days and finally my page with their website showed that I have {$10000.00} available for transfer. However, nowhere on the platform can I use these funds for transfer. The only options they have is to pay with a new wire transfer or a new ETF out of an external account. I am now back with them to get help with my transfer or get a refund. The back and forth went on for another week with no result. Now two weeks later, I am still trying. My XXXX bank rep is telling me there is nothing they can do since I initiated the wire myself online. I threatened to get in touch with the FBI. I really don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: GA

Complaint narrative:
I opened an account with XXXX XXXX XXXX in XX/XX/XXXXand then had significant personal financial issues arise leading to the account being closed in XX/XX/XXXX The account was sold to multiple collection agencies but was settled and paid in XX/XX/XXXX XXXX XXXX XXXX  has violated my rights by submitting falsified information to the credit reporting agencies resulting in financial harm to me and my family. Specifically, they have reported the following information to all three credit reporting agencies ( a ) beyond the charge off date of XX/XX/XXXXand ( b ) beyond the date I settled and paid the balance to their collection agency.

EQUIFAX - reflecting 90 days late payments inXX/XX/XXXX andXX/XX/XXXX. XXXX - reflecting 90 days late payments in XX/XX/XXXXand XX/XX/XXXX.

I have attempted to resolve this directly with XXXX XXXX XXXX  as well as the CRA 's and both have refused to assist me and update the records with the accurate details.

I am begging for your help and assistance in bringing these predators to justice. I simply want my record to accurately reflect my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: GA

Complaint narrative:
I opened an account with XXXX XXXX XXXX inXX/XX/XXXXand then had significant personal financial issues arise leading to the account being closed in XX/XX/XXXX. The account was sold to multiple collection agencies but was settled and paid inXX/XX/XXXX XXXX XXXX XXXX has violated my rights by submitting falsified information to the credit reporting agencies resulting in financial harm to me and my family. Specifically, they have reported the following information to all three credit reporting agencies ( a ) beyond the charge off date of XX/XX/XXXXand ( b ) beyond the date I settled and paid the balance to their collection agency.

XXXX  - reflecting 90 days late payments inXX/XX/XXXX and XX/XX/XXXX.

EXPERIAN - reflecting 90 days late payments in XX/XX/XXXXandXX/XX/XXXX.

I have attempted to resolve this directly with XXXX XXXX XXXX as well as the CRA 's and both have refused to assist me and update the records with the accurate details.

I am begging for your help and assistance in bringing these predators to justice. I simply want my record to accurately reflect my 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 non-monetary relief
Consumer complaint received 2018-04-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is a follow up complaint to the previously filled complaint # XXXX.

I rented a car online during my trip in XXXX during my trip in XX/XX/XXXX. During this trip, I got a minor vehicular rear bumper damage & later I was charged {$1000.00} for this minor damages.

I complained about it repeatedly to the Bank of america for being overcharged in addition to the fact that the damages supposedly were to be covered by the Car rental waiver program for which my bank of america Credit card was part of.

But Bank of America denied my claim.

Later the XXXX XXXX XXXX XXXX compensated part of the damages by paying me only {$880.00} & stating the XXXX XXXX XXXX   has overcharged me as much as {$240.00}. ( the copy of the XXXX XXXX XXXX   is enclosed ) I wrote back to the Bank of America, but it was right up front denied once again.

Needless to say that I paid the total charges of {$1000.00} to the bank of America.

I am very unhappy with the way this bank has responded to my complaint.

They never responded to my specific complaint, rather each time simply sent me a general letter stating that they did not find any fraudulent charges on my account by XXXX XXXX car company. never ever addressed any of my specific disputes details.

I am requesting the Bank of America to reopen this dispute with regard to XXXX XXXX car company for the amount of {$240.00} and give me credit for this amount, since it is obvious that I was right all along and the bank should have investigated my complaint/dispute more carefully instead of sending me repeated general denial letters without referring to any specifics of my complaints.

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 2018-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I attempted to purchase sports tickets through XXXX  on XXXX2018 in the amount of {$110.00} and never received the tickets. I sent the money through XXXX   ( which I thought was backed by Wells Fargo ) and when I contacted the seller by phone it was shut off and I never received the tickets. I immediately contacted Wells Fargo and they stated there was nothing they could do, because they do not own 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 2018-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I sent a debt validation to the creditor Santander Consumer USA to validate the debt they are saying I owe. After 30 days I contacted the creditor and they informed me that my debt was sold to another company called XXXX XXXX XXXX. I contacted this company via telephone to ask them there license and bonding number to be able to collect a debt in my state. The representative did not know what I was talking about and put me on hold and hung up the phone after being on hold for over 10mins. This company is not license and bonded and by law are not able to collect a debt in my state. I am asking you to permanently remove this information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc
State: KY

Complaint narrative:
On my credit report there are multiple duplicates, triplets, and quadruples, of different accounts. all the accounts are from XXXX XXXX XXXX XXXX, which all were reported to or sent to Collection Bureau of FT. Whom wants to set me up on a payment plan. I called XXXX  yesterday and requested all of my bills from there, in which I was told that there were only seven. The Collection Bureau of FT has 19! Several of these accounts are multiplies and the Collection Bureau of FT are giving me the run around. I'm XXXX  years old and attempting to fix my credit score in order to get my life on the right track.

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 2018-04-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Recoveries, Inc.
State: TX

Complaint narrative:
My student loan is in default. I attempted to remedy this inXX/XX/XXXX, but no one could tell me who was servicing my loan So I did not know where to send the information or who to contact to correct the errors in the amount owed, when money was dispersed and withdraw dates. The amount attempted to be collected is grossly inflated, forbearance dates were not taken into consideration, and early withdraw ( 4 weeks from start ) is not reported either.

I have NEVER received notice, statements, or intent to garnish taxes however, my taxes were garnished on XX/XX/XXXX in the amount of {$3100.00}. National Student Loan database shows this debt to be with XXXX XXXX XXXX however upon callingXX/XX/XXXX I was advised it is being held with National Recoveries. I do not have an account number, a breakdown of how the total debt due became so grossly inflated, nor was I given the opportunity to remedy before garnishment.

The garnishment has already taken place (XX/XX/XXXX) and I still have not received any form of notification as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have submitted this complaint multiple times to Ocwen and to CFPB. I would like someone to call me this time please. Here are details. My dad passed away XX/XX/XXXX and my mom in XX/XX/XXXX. Mom fell behind on payments due to sudden illness. Ocwen refused to apply any payment after that to the home. I am an only child. I have sent copies of death certificate, will and my identifications ( I will attach all those copies here ). They STILL have not contacted me. Each time you send them my complaint, they respond with " you need to send us the death certificates and apply for assumption ''. They never return my phone calls or my emails. I HAVE sent the death cert. I in fact, had my lawyer call and get the email to send them to. This is the email that XXXX, employee # XXXX gave my lawyer XXXX. I want to pay off the home. I do not want to assume the loan. They will not respond to ANY of my correspondence. I have tried to contact XXXX XXXX, office of consumer ombudsman, she only responds to send more paper. She does not call, or email. The paper she sends says " send death cert. '' WHICH I HAVE ... MULTIPLE TIMES!. Ocwen clearly does not want to work with me, because I am trying to PAY A LUMP SUM and pay off property and I HAVE SENT ALL NECESSARY AND REQUIRED PAPERS. They just want the property. Which I will sue for. Intervene please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has failed to provide a credit for a dispute in my favor. 

Credit card balance has been paid in full every month. 

BDA = Billing Dispute Agent XX/XX/XXXX Billing dispute initiated with Citibank regarding charge for {$2000.00}. Charge was on XX/XX/XXXX. 

XX/XX/XXXX {$2000.00} conditional credit issued ( according to monthly statement ). 

XX/XX/XXXX {$2000.00} conditional credit reversed XX/XX/XXXX {$500.00} conditional credit issued. 

XX/XX/XXXX I call customer service and asked to be transferred to the billing disputes department about an existing dispute. Automatic message answers and says the dispute was judged in my favor. Says {$2000.00} credited to my account. However, only {$500.00} has been credited so far. 

XX/XX/XXXX Call billing disputes regarding {$1500.00} credit not yet posted. XXXX from billing dispute says she will forward to supervisor and contact me same business day. No response from XXXX. 

XX/XX/XXXX No contact. 

XX/XX/XXXX XXXX states via voicemail that she has not heard anything back from supervisor but the information has been passed to them. 

XX/XX/XXXX I call to get an update. BDA says supervisor started looking into the case XX/XX/XXXX. 

XX/XX/XXXX BDA says credit will be issued in 2-3 business days. 

XX/XX/XXXX No credit issued. BDA says they will forward to supervisor. 

XX/XX/XXXX BDA says they will notify supervisor and to wait " a few days '' to receive a response via secure message. 

XX/XX/XXXX No response received. XXXX initially spoke with XXXX. Asked to be transferred to supervisor. Supervisor XXXX takes the call. XXXX says he will email a contact rather than place a general request for the issue. XXXX says he can not approve {$1500.00} because it's " a large dollar amount. '' XXXX 's contact is to e-mail me regarding the credit " in a few days. ''

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 2018-04-18 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:
1. XXXX shows my credit limited decreased with XXXX XXXX XXXX from XXXX to {$500.00} which is incorrect, credit limit is still {$2000.00}. This false information causing my score to decrease by 99 points.

2. XXXX, Equifax and XXXX refuse to correct previous dispute regarding XXXX XXXX XXXX  they continue to show a balance with one account was paid in full and the other was discharged in previous bankruptcy and should show a XXXX  balance. This is false information 3. XXXX XXXX  was settled and paid in full, XXXX XXXX continues to show a balance owed on XXXX XXXX XXXX. This is false information 4. Bankruptcy reporting, XXXX Equifax and XXXX continue to report false information that they have not been able to verify, name and social security number does not match filing and social security administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My student loan is in default. I attempted to remedy this in XX/XX/XXXX but no one could tell me who was servicing my loan So I did not know where to send the information or who to contact to correct the errors in the amount owed, when money was dispersed and withdraw dates. The amount attempted to be collected is grossly inflated, forbearance dates were not taken into consideration, and early withdraw ( 4 weeks from start ) is not reported either. 

I have NEVER received notice, statements, or intent to garnish taxes however, my taxes were garnished on XX/XX/XXXX in the amount of {$3100.00}. National Student Loan database shows this debt to be with XXXX XXXX XXXX  however upon calling XX/XX/XXXX, I was advised it is being held with XXXX XXXX. I do not have an account number, a breakdown of how the total debt due became so grossly inflated, nor was I given the opportunity to remedy before garnishment. 

The garnishment has already taken place ( XX/XX/XXXX ) and I still have not received any form of notification as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
1. Two fraudulent charges were made to my XXXX XXXX credit card totaling {$1200.00} as stated below : a. {$210.00} - charged on XX/XX/XXXX b. {$1000.00} - charged on XX/XX/XXXX 2. On XX/XX/XXXX, I filed a fraud claim with XXXX XXXX Fraud Investigation Department. ( See uploaded XXXX XXXX Fraud Docs ) 3. On XX/XX/XXXX, I received a formal letter from the XXXX XXXX Fraud Investigation Department stating that their investigation was completed stating, " As a result, we removed the disputed charges and any related fees and interest charges from your account. '' ( See uploaded XXXX XXXX   Fraud Docs ) 4. On XX/XX/XXXX, the charges had been removed, only to be transferred to my new XXXX XXXX credit card, and have remained since that time charging me interest.

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 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I'd like to know what is the total interest that I have outstanding on my loan. SunTrust will only send me an amortization schedule in .pdf form ... but they refuse to add up the total. The contact center rep and his supervisor indicated that the amortization schedule is generated by the " system '', and that there are no resources in this bank of 23,785 employees to do add it up for me. 
This means that I ( and all other SunTrust mortgage holders ) will have to manually add up the schedule of 170 seperate payments ( 12x15 years ) for the total amount of interest I will pay on this loan. 
I suspect, that the bank wants to hide the total interest that I owe on on this loan ; as this figure is probably quite high. That's unfair. 
I would appreciate it if the CFPB would investigate SunTrust Banks , Inc. and encourage the back to be more transparent in providing loan information to its customers.

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 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I was late on my mortgage, and received help from the original mortgage company, XXXX XXXX. However, I purchased my home for {$230000.00}. When my loan packet was sold to XXXX XXXX XXXX  there was an additional {$80000.00} added to my principal, and now my principal balance is {$300000.00}. But no one can tell me where this extra money came from that was added. If it were the total number of missed payments, then I would have had to have almost 3 years worth of missing payments, which i did not have. I have reached out to my current mortgage provider, Mr. Cooper, and they can not explain what this additional money is either. Additionally, it seems that every 6 months they keep increasing my escrow account, and I know that my property taxes and insurance do not go up over {$6000.00} year over year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates
State: LA

Complaint narrative:
Earlier this year I noticed that my XXXX Credit File appeared to have an outstanding collection from the Creditors Bureau Associates for {$380.00}. I have reached out to this company directly twice via certified mail ( receipts attached ) to no avail. I have asked the company to send debt validation to me. They responded via mail that I am outside of the statue of limitations. I sent a response to the company to say that if they can not validate the debt, it should be removed. The company did not respond. I have no idea where this information was obtained, however it is being reported erroneously to XXXX. I ask for some assistance handling this situation with Creditors Bureau Associates as they are unwilling to provide me with an information as to where this debt was originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. 

For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/1986

Company response to consumer: Closed with explanation