vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Our company makes pet food. Our food is made by co-packers. We received an email with an invoice from our co-packer ( an LLC ) as was expected. We then received a subsequent email on the same email thread from the co-packer updating their banking information. They asked that for any further invoices that I pay this new bank account ; so we sent both of the payments outlined below to this new bank account. 
On XX/XX/XXXX we were contacted by the LLC to say that they were a victim of a phishing scam and not to pay any new bank accounts. We then realized that it was too late, we already had paid this fraudulent bank account. 
We immediately contacted our bank ( XXXX XXXX ) and their fraud department but it was too late to recover the money. XXXX XXXX XXXX   fraud department has been in touch with Bank of America, the bank where the money was transferred. We have filed an FBI report, two police reports and hired a lawyer. 
We have been advised by XXXXXXXX XXXX, that the Bank of America account where we transferred money was a fraudulent account. The name of the account was an individual, who we are told is a senior citizen that collects social security payments. The two ACH payments we made to this fraudulent account were made payable to the LLC ( our co-packer ) and ACH payment ( XX/XX/XXXX payment was in the amount of {$28000.00} and XX/XX/XXXX was in the amount of {$35000.00} ). We believe these deposits to be significantly larger then the typical payments the account owner normally receives. We have also been advised that the account owner immediately transferred both payments to another fraudulent account in Texas and that the account owner kept several thousand dollars from each of those deposits. When the account was examined, it was found to contain virtually no funds. The conclusion was that this individual is a money mule. 
We have been advised that generally a deposit will be titled to the same name as that on the account and based on a threshold dollar amount the deposits should get closer scrutiny. This did not appear to happen even though we believe that those two ACH payments are significantly larger than the normal deposits into that account. 
Our concern is that the ACH payments we made went into a fraudulent account and unusually large deposits were not titled to match the name on the account where they were deposit by Bank of America ( i.e., we paid an LLC not an individual ) We want our money returned to us as it was clearly put into a fraudulent 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 2018-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted Capitol One with a Goodwill letter to remove my one late fee back in XX/XX/XXXX due to family emergencies. My mother was diagnosed with XXXX XXXX and I had to get flights to go help her with XXXX. I spoke with someone from the executive office XX/XX/XXXX who would not help me to remove my late fee. I have never been late before other than this one time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
On or around XX/XX/XXXXI received a letter in the mail dated XX/XX/XXXX. This is the first and only communication received from Cooling and Winter. No follow up letters or phone calls. 

I made contact with XXXX in order to set up payment arrangements, before I would be sued. However, I found out during that conversation that a lawsuit had already been filed. However I proceeded to set up an arrangement in the amount of {$50.00} a month for however long it took to pay off XXXX in debt as a means to resolve the referenced account and that they would be willing to partake in a consent order as a means of negotiating. During which I was instructed to not make a payment on the account until I receive forms to sign showing a contracted agreement. 

All of which brings me back to the letter. I had not received a phone call or letter from XX/XX/XXXXto present regarding the matter. Which means I had no time to respond. 

To which the letter indicated that no attorney at the time had evaluated or revised the circumstances of my account. 

Today XX/XX/XXXX, I received a phone call from my wife who took it upon herself to call to try to negotiate with XXXX. 
No permission was given to Cooling & Winter to speak to her regarding my account. My wife indicated to me that not only did he provide information regarding this debt, but that a lawsuit was being processed, that an arrangement was set up and the amount. He also gave her information as to how much was owed. She was trying to negotiate the account without my permission in trying to help. 

During said conversation, XXXX informed her of information regarding the consent order and payment information that O myself was not aware of because he failed to contact me. 

While my wife is aware of the money that goes in and out of my account we handle things of this nature separately. And frankly I dont appreciate my information being shared without my explicit written or verbal permission. 

Mind you since XX/XX/XXXXI have called and left messages regarding ng je paperwork XXXX was fo send for signing and never received communication.

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 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
XX/XX/18 I went into XXXX XXXX XXXX with a pre-approval bank draft from XXXX XXXX XXXX XXXX to purchase a XXXX  XXXX XXXX. Even though I had secured financing on my own, I was required by Sales Manager XXXX XXXX to fill out a credit application. With a confused look, " I asked why am I filling this out when I already have financing set up? '' He replied with, ''this form is just for verifying your identity to make sure you're not a XXXX, I'm not pulling your credit or anything like that. '' So reluctantly I filled it out thinking that he was being honest about what he had just told me. Later on that day, I received an email alerting me that my credit had been pulled by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, which infuriated me. I contacted XXXX XXXX XXXX about this and the most that they could offer was an apology and second free of gas. I only completed the credit application because XXXX had informed me that my credit would not be reviewed and for that display of unethicality and unprofessionalism, I have submitted a dispute with XXXX. XXXX and XXXX will not allow me to submit a dispute without a Letter of Deletion from XXXX XXXX XXXX. So I reached out to XXXX XXXX XXXX yet again and got in contact with the Finance Manager XXXX XXXX, who's claiming that he is not aware of a letter like this so therefore I'm submitting this claim with hope that you all can help me. Additionally, if it helps at all, I do have an audio recording as proof that the inquiry was never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Worldwide Processing Group, LLC
State: LA

Complaint narrative:
I am getting constant phone calls from a company named -forward movement recovery, daily. They said in a voice mail that they will start calling friends, relatives and work if I didn't call. I called a number listed in XXXX Louisiana. They use local areas somehow even though they are calling from somewhere else.the number wasXXXX this is Fraud. They told me XXXX XXXX and XXXX wanted XXXX. I admit, I had pay day loans, but went thru XXXX XXXX XXXX and paid the amount required to satisfy the loan. XXXX was my REP. The number is XXXX don't owe anything. I get calls at work, on my cell etc ... everyday from different numbers stating local areas I was told by the rep that even though I paid for this years ago, these companies still sell my accounts to collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XX/XX/XXXX, we filed a complaint against BMO Harris Bank because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.

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 2018-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I did an international wire transfer to XXXX XXXX XXXX XXXX XXXX, ( beneficiary ) of XXXX, via my credit union ( BECU-Boeing Employees CU ) on XX/XX/XXXX for an upcoming XXXX  XXXX in XXXX and XXXX this XX/XX/XXXX. I was told by BECU that funds would be credited to the beneficiary no later than XX/XX/XXXX. Transferred amount of {$5600.00} was for covering the transportation and accommodation fees for the 10 day trek ( XXXX to XXXX and back for my wife and I ). 

The XXXX XXXX has yet to receive the money transferred. I called BECU around XX/XX/XXXX and was told that I could file a wire trace on or after XX/XX/XXXX, which I did. I did not hear from BECU on the status so I went to a local branch ( XXXX ) on XX/XX/XXXXto talk to a customer service specialist and requested for retrieval of funds since they did not seem to be able to trace where the wire transferred funds appear to be. The specialist told me that the retrieved funds should be transferred back into my account within 24-48 hours. 96 hours have passed and still no sign of the funds being retrieved back into my account. I called the customer service department and was told that BECU can do nothing since the beneficiarys bank ( XXXX XXXX XXXXXXXX XXXX ) had not responded to their request for retrieval of funds. The customer service specialist would not let me talk to their wire transfer department personnel even though I informed him that I wanted to know why they do not seem to know the where abouts of the funds. I told him I had spent quite a lot of money for travel to XXXX and if the XXXX XXXX doesnt have the XXXX fees delivered before the start of the XXXX, my wife and I will not be able to go on the XXXX. He just refused to connect me to the wire transfer department saying that they do not interact with customers. This was patently false statement as I had talked to them a couple of times while checking on the status of my wire transfer. 

I here by request CFPB to look into this lack of response and negligence on part of BECU in tracing and retrieval of my funds. I will greatly appreciate your help in an expeditious resolution of this matter. 

XXXX XXXX XXXX XXXX - cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: LA

Complaint narrative:
After my car was totaled XXXX insurance as well as my GAP protection paid off the remaining balance of the auto loan, yet the Chase Auto continues to ignore their duty and remove the negative error from my credit reports.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XX/XX/XXXX, I lost my self-employed company and was unemployed for over a year, My wife and I started a Loan Modification with XXXX in XX/XX/XXXX. In summer of XX/XX/XXXX XXXX held a one day negotiating with several lenders present. Bank of America was our lender and sat down with XXXX to deliver a Fifteen year, fixed rate at 2.00 percent. We signed loan docs and our payments XXXX were based on fixed rate of 2 percent taxes and ins added. We were told the loan was approved and the payments would begin within 30 days. We were sent loan doc 's on XX/XX/XXXX but ( Loan Modification Agreement ) did not read the docs due to all of our personal issues and did not realize a reputable bank would scam a innocent home buyer. We have now found that we never were issued a fixed rate. In fact a ARM and a Balloon payment in the end of this loan. We now this is an illegal act and XXXX was not aware of the fraud and abuse by Bank Of America. The loan is currently with XXXX XXXX who denies all possible liability. I was given CFPB information directly by 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 2018-06-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I contacted equifax mid XX/XX/2018 via hand written letter. I asked them to verify with the information that CURRENTLY had on hand and to send me what they had in that file to verify each item. I'm well aware of my rights and know I'm aloud to request that information. I went on further to say " please don't send me back a piece of paper that just says " verified " Well! That's exactly what they did. The accounts are fraudulent so how they are verifing them properly is beyond me, plus they are responsible for furnishing the documents in my file at the time of my request used to verify them anyway, they did NOT. 

They sent me these papers plus a copy of my report. Clearly is a stall tactic. 

I'm now asking the CFPB, FTC and XXXX to step in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04 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: NC

Complaint narrative:
In XX/XX/XXXX, we filed a complaint against XXXX XXXXXXXX XXXX   because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.

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 2018-06-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In XX/XX/XXXX, we filed a complaint against XXXX XXXX XXXX   because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX, we filed a complaint against XXXX XXXX XXXX   because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.

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 2018-06-04 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: LA

Complaint narrative:
After my car was totaled XXXX insurance as well as my GAP protection paid off the remaining balance of the auto loan, yet the XXXX XXXX continues to ignore their duty and remove the negative error from my credit reports.

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 2018-06-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
After my car was totaled XXXX insurance as well as my GAP protection paid off the remaining balance of the auto loan, yet the XXXX XXXX continues to ignore their duty and remove the negative error from my credit reports.

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 2018-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NC

Complaint narrative:
AFNI is reporting that I have a {$2900.00} collection balance with their agency. I have told them repeatedly that this is not my debt, and they have made a mistake. Furthermore, I have asked them to forward me a verification of the debt, if they had anything to prove that this belonged to me. I have made several requests for this verification of debt over the last 6 months, but I have not received anything back from AFNI. AFNI does not supply a verification of debt, despite numerous requests. Yet they continue to report their mistake on my credit report. In doing so, they are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
Last year I tried to close my COD account with HSBC and after several tries, I gave up and just let it be. However on XX/XX/XXXX, I finally followed up again and closed my COD account with them. They said they would issue a check via XXXX within 5 business days. I still haven't received my check and its XX/XX/XXXX. After 3 follow up calls and a call to XXXX  XXXX, HSBC has no clue where the check is and only realized this on the last call. They were unwilling to take necessary steps to call XXXX and find out and give me a status and asked me that I need to call XXXX for this. They were so quick to close my account but where is my check for $ XXXX? I called them again today and now they can't find it and they are re-issuing the check. However they told me that they will call me back on Friday to find out if there are any further issues. Why is this taking so long? Its been almost 2 weeks that I haven't received my funds. How can a bank pass any of their key controls if they can't even pay back their customer deposits?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is a Chase Bank credit card account XXXX reporting on my credit report and negatively impacting my credit scores. I was a victim of Identity Theft and have tried to resolve this issue with Chase Bank by providing them a notarized Identity Theft Affidavit along with a Police Report and they have yet to respond or delete the account off my credit file. This is preventing me from getting the credit I deserve and need this resolved immediately.

Company response to consumer: Closed with explanation