vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
At Bank of America with them for over 20 years. I was expanding my business so I opened a account changed from a sole prop to LLC on XX/XX/XXXX on the XX/XX/XXXX a XXXX XXXX to a XXXX XXXX for XXXX. I new nothing about the account was unused at that time I receive a overdraft notice so I added more money when I noticed it was coming out I put a stop payment on XX/XX/XXXX though it was stopped it started right back up. I stopped it again and received a stolen money letter from the bank manager. Then the XXXX XXXX  just drained it all. Come to find out it was a wire with I have a special wire account for that. All the while calling the ph number associated with the account dead number I ask them to help with the faxing and helping me get the money back the sent it to the ACH dept not the fraud dept the gave me a number to call I did A senior at B of A said the bank it was wired to XXXX XXXX on easy cost was empty and they we not gon na give it back. All in total  {$3500.00} dollars and the loss of my business this was Fdic secure money and they just let it get stolen i made a police report

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 2017-12-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Equitable Acceptance Corp
State: CO

Complaint narrative:
A third party company called me and lied. A representative named XXXX XXXX from FirstFedloan.org, or Equitable Acceptance, said that he was from the Department of Education, and that he was going to help me resolve my student loan debt. 

He is NOT from the Department of Education, and instead of directing me to them, he posed as them and collected money from me. He is still collecting money from me. 

When I called to the Department of Education, they informed me that I was scammed. They said that this third party did not use my e-mail to create an account, but used an e-mail ending in " XXXX. '' This e-mail does not even exist. This fake e-mail was to prevent me from receiving communication to let me know the scam that was being done to me. 

XXXX XXXX posed as me, stole my identity, collected my social, and proceeded to create a Federal Student Loan ID and XXXX XXXX ID without my permission. 

He also set up a direct deposit with my bank to his company. 

When I called to Equitable Acceptance to complain, they said XXXX XXXX got promoted and could not speak to me. 

They also used the analogy that they are like a dentist - - they know the customers need dental work, but can not do it themselves, so they do the work for customers. 

This is a complete lie. The Department of Education has people and processes in place to do this line of work. 

XXXX XXXX, Equitable Acceptance, firstfedloan.org, are criminally and unecessarlity taking money from people and creating accounts with personal information in order to fatten their wallets. 

Please - - they need to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There is currently a derogatory record on our credit report from XXXX XXXX XXXX, account opened XX/XX/XXXX. The account is listed as charged off with a balance of {$31000.00}. It shows late payments starting in XX/XX/XXXX, and shows late payments since then.

Request 1 Remove derogatory information from our credit report, including the status of charge-off. The Fair Credit Billing Act requires creditors to bill correctly, including send bills to your current address and we did not receive bills or other notices on this account. 

Request 2 Despite not receiving statements or bills, weve paid this loan in full. We request that the loan be updated to reflect payment in full.

History 1. We believe the account was charged off in error. The loan was set up for auto payments from a TD Bank checking account. The auto payments worked for a few months, then stopped going through without our knowledge. The TD Bank checking account was not our primary account, and we noticed the issue from a negative mark on a credit report.

2. We received no bill, no notice of late payment, no notice that the auto-pay was not working and no email, letter or phone call from TD Bank requesting payment.

3. As soon we learned ( from credit report ), we called and made all retro-active payments for all back due amounts.

4. We requested a statement be sent of our account status, amount due, and payment information. TD Bank declined.

5. To date, we have received no written notification of charge off status, or recognition of monthly payments made. We have continued making monthly payments in good faith. ( we can provide bank payment records ) 6. Requested directly from TD bank to remove negative information from Credit report, but they declined.

7. Loan is now paid in full, have a letter from TD Bank dated XX/XX/XXXX acknowledging payment.

8. We request that negative information be removed from our credit report, and that the loan be recorded as paid in full.

9. In addition, we request a final accounting letter, as we believe we have a credit amount of approximately {$1100.00}, and would like that amount refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I emailed a cl add ( XXXX ) about buying tickets for the world series game and left my phone number in the message. The guy text me and I called him back. After speaking to him ( XXXX XXXX XXXX ) and him sending me the XXXX confirmation email for his purchase of the tickets, he said he would transfer in my name once he was paid. He said to XXXX him through friends and family and he gave me his XXXX address. I went ahead and sent him the {$2000.00} for 2 tickets. XXXX ended up blocking his account. Him and I went back and forth in text messages, phone calls, and 3-way with XXXX to get my money back from XXXX. I was assuming this was all legitimate since we spoke on phone and texts continually throughout the day. He asked me to pay him through XXXX since XXXX did n't work, so he could get the tickets over to me immediately so I ended up paying with XXXX a total of {$2100.00} with my credit card. XXXX called and text me stating he was headed to pick money up. I text him about 30 minutes later stating where 's my ticket information so I could print them out. I also called him and he said he was having issues with XXXX because he bought them with XXXX which closed his account. XXXX told me if he could not get them to fix the issue he would just refund my money, but to give him time cause he was on the phone. I kept texting him stating he was making NO sense about what he was telling me. After we got off phone I decided I was NOT going to deal with this and I just wanted a refund so I text him this. He text me back stating he would know if I could pick up tickets at the window by XXXX XXXX. I continued to call and text him all night about sending my money back and he refused to answer. I then called XXXX myself around XXXX XXXX and found out it was all a fraud transaction. I continued to text XXXX with no response throughout the night and into the morning with no response. I then contacted XXXX after XXXX XXXX hearing nothing from XXXX and reported fraud to XXXX. I also contacted the police dept in XXXX Nv where he picked up the money at the local XXXX and they said to file report in my home town which I did so immediately. Detective XXXX said nothing could be done about this transaction. XXXX has said nothing could be done about this transaction. I have since received a text from a XXXX stating XXXX that XXXX is in a coma. I told him XXXX needs to pay me my money back immediately and to call the detective

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 2017-12-20 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: NC

Complaint narrative:
I was a XXXX XXXX XXXX XXXX, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different chase employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that chase would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that XXXX had reported in XXXX a charge off. 
I also remember receiving a XXXX from XXXX that I sent to the lawyer regarding the charge off debt.

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 2017-12-20 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: NC

Complaint narrative:
I was a XXXX XXXX credit card, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different XXXX employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that XXXX would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that XXXX had reported in 2015 a  charge off. 
I also remember receiving a XXXX from XXXX that I sent to the lawyer regarding the charge off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: NC

Complaint narrative:
I was a XXXX XXXX XXXX XXXX, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different XXXX employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that XXXX would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that chase had reported in XXXX a charge off. 
I also remember receiving a XXXX from chase that I sent to the lawyer regarding the charge off debt.

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 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I have filed a dispute with Equifax regarding inquiries that I did not authorize nor have any knowledge of. I contacted the creditors shown on my report and they advise me to contact the bureaus to get it removed. I attempted this multiple times with the most recent attempt being on XXXX. My confirmation number was XXXX. The inquires I disputed were as followed : XXXX XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXXk on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All of these inquires are made unauthorized. I have attempted to contact the creditors and get told to contact the bureau directly to have it removed. These inquires are holding me back from moving forward with my credit. I have filed as a victim of identity theft with the federal trade commission. I am attaching a copy of my credit report showing these inquires as well as my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I just found out Bank of America pulled my credit report. I have not applied for credit, held an account, or had a balance owing with this company for the better part of a decade. 

I do not have a balance owing. 
I have not applied for any new accounts. 
I am opted out of promotional lists. 
I did not give my permission or authorization. 
I just pulled my credit report and found out that they ran my credit on XX/XX/2016.

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 2017-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
XXXX XXXX bought a debt from XXXX the original amount with XXXX was a fraction of what the collection company XXXX XXXX XXXX XXXX is harassing me for now. I had worked with XXXX to reduce the amount they had inflated and began to negotiate a better payment plan. However they double backed on me and sold the debt to XXXX XXXX who has now increased the interest and is calling me and trying to serve me a court order. My research has shown me that they are not so above board and are even in bankruptcy. 

I am willing to make a deal to pay off the original amount, but not the over {$1200.00} they are asking for now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XXXX/XXXX/XXXX, XXXX made an inquiry into my TRANSUNION credit file due to someone submitting fraudulent information. XXXX reached out to me when they became aware that it was an attempt to open a credit card fraudulently and assured me the inquiry would be deleted. Despite numerous calls and letters to TRANSUNION from me, it has not been deleted as promised.

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 2017-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc
State: IA

Complaint narrative:
I was a member of XXXX XXXX in XXXX XXXX, Nevada from XX/XX/XXXX through XX/XX/XXXX. I informed EOS when I began my membership that I would be moving to Iowa for work at the end of XX/XX/XXXX. The gym manager, XXXX, assured me that I would be able to cancel my membership without difficulty. At the beginning of XX/XX/XXXX I informed XXXX XXXX I would be moving. They then informed me that I would have to notify XXXX XXXX to cancel my membership. I did this by phone in XX/XX/XXXX. My last time going to the gym was XX/XX/XXXX. In XX/XX/XXXXI received a collection call from XXXX XXXX informing me that, no, a phone call would not suffice and I would need to provide a written request to cancel my membership and that I could email this which I did. I received another call from XXXX XXXX stating that while I had cancelled my gym membership this did not apply to my personal training sessions and I was still enrolled with that, despite not having a gym membership. They then informed me that I would have to send proof of my relocation to cancel this part of my membership. They asked for a copy of a utility bill, lease agreement or other proof of my move to cancel the personal training. My utility bill for my rental in Iowa was in my husband 's name and they would not accept this. My rental contract was also deemed as insufficient proof of my move to Iowa. I then provided them with a letter from my employer stating that I had been transferred from Nevada to XXXX XXXX for work. I received no other communication from XXXX XXXX until today, XX/XX/XXXX when a collection company called, stating that I owed over {$7000.00} to XXXX XXXX and that if I did not pay immediately it would impact my credit. I hung up with the debt collector and called XXXX XXXX and they stated that they had no information on my account since it had been turned to collections and they would refer my information to a supervisor for further review. They also stated that they had never received my letter from my employer. I was a member of this gym for 90 days, did my best to comply with the cancellation policy and I live 1400 miles from XXXX XXXX. Further, I am at a loss as to how I could possibly owe {$7000.00}!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX/XXXX/XXXX, CHASE made an inquiry into my XXXX credit file due to someone submitting fraudulent information. CHASE reached out to me when they became aware that it was an attempt to open a credit card fraudulently and assured me the inquiry would be deleted. Despite numerous calls and letters to XXXX from me, it has not been deleted as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC
State: IN

Complaint narrative:
In 2011, we lost our home in XXXX XXXX, Indiana, in a short sale. Our mortgages were being held by XXXX XXXX and XXXX XXXX. Neither of these companies still exist ( or so we have been told ).  We lived in Illinoos at that time and recently received a letter from the Treasurer of Illinois that they are holding funds as unclaimed property due to an Insurance claim that was submitted on our behalf as a result of the final inspection of the property ( something apparently to do with hail damage to the roof ). 

Since the funds are assigned to both mortgage companies listed above as well as ourselves, how is it possible to receive these funds? 

Is there anything at all that can be done?

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