vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a former customer of Bank of America. During my time as a customer of Bank of America I was robbed, my identity documents were stolen and I became a victim of identity theft. I filed a police report and have attached this report to this complaint. 

I had two checking accounts and one savings account with Bank of America. After my documents were stolen I went into a Bank of America branch and told a teller that I needed to cancel my old debit card and to order a new one. I told the teller I did not have the debit card anymore. The teller then closed the debit card attached to the wrong checking account and ordered a new one. I told the teller to close the debit card for the checking account ending is XXXX but the teller did not listen and closed the wrong card and ordered a new one. I did not notice this until a few days later when I audited my account and saw charges I did not authorize. 

The fraudulent charges were to two merchants ; XXXX XXXX and XXXX. 

I filed a claim with Bank of America regarding these charges. Bank of America 's risk department then froze my accounts and began the closure process. I was told Bank of America had made a business decision not to bank with me anymore. Today I received a letter from Bank of America 's claims department telling me they investigated the claims and found no error and were holding me responsible. 

I called the two merchants myself to inquire about these fraudulent charges. I called and spoke to the office manager of XXXX XXXX. His name is XXXX and can be reached at ( XXXX ) XXXX. XXXX XXXX confirmed that they charged my debit card over the phone for a third party patient that had my card number. XXXX XXXX confirmed I did not receive any goods or services for this charge. XXXX would not tell me the name of the patient citing HIPPA laws.

I called XXXX  and spoke to someone in the Fraud Resolutions department. I was told again that a third party used my debit card to book a vacation through XXXX. XXXX confirmed that the account that used my card was NOT in my name and that I did NOT receive any goods or services for this charge. 

Basically Bank of America decided to hand my accounts over to their Risk department and after that all my claims were just blanket denied. I have both merchants on record confirming that I did not make these charges and a third party did. Bank of America clearly did not actually do an investigation. Had they called either merchant they would have been told that I did not purchase these goods or services and that both merchants were charging my card due to a third party not authorized by me. 

Should Bank of America attempt to hold me liable for these charges I will have no choice but to seek legal remedy.

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 2018-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NC

Complaint narrative:
Company : Aargon Agency, Nevada Debt Collection In late XX/XX/XXXX, I had several thousand dollars of medical bills accrue due to an accident. It was time consuming and confusing to sort out what was owed and to whom various payments were to be made. 

One day in XX/XX/XXXX, I received a call on my mobile from the above company. ( I can not provide the date as I now have a different phone and phone number. ) Their representative demanded a commitment from me to pay a medical bill. 
I explained that I was at the grocery store, and if he would call me back in a couple of hours, I'd be back home, able to take down the necessary information, and verify that his firm was legitimate, so that arrangements could be made to pay. The representative became rude, told me that he would close my case and report the bill as uncollected. He then hung up on me. 

I didn't hear from him that evening, or from XXXX ever again, nor did I ever receive written notice from XXXX. 

I finally contacted the initial payee, XXXX XXXX directaly and paid the bill. Please see the bank screenshot of this transaction. 

Recently it has come to my attention that XXXX reported the bill on my credit report. 

I filed a dispute with the credit bureau, who contacted XXXX, who refused to act and clear the debt. 

Saturday, I contacted XXXX directly. The representative told me that they did not receive the money ( the original payee did ), so they had to wait for the payee to advise that the bill was paid. I explained that I'd filed a dispute months ago, and asked how long it took for resolution. XXXX told me that it was " my fault '' for paying the original payee rather than them. 

I explained that their initial contact with me was their only contact with me, that I had no way of knowing who they were, and that I'd paid the bill. 

Not only have they not removed the derogatory account on my credit report, but THE DAY THAT I CALLED, THEY BUMPED UP THE CHARGE ON MY ACCOUNT ON TRANSUNION, CAUSING A FURTHER DECREASE IN MY CREDIT SCORE. 

Please help me.

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 2018-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
In XX/XX/2017, I co-signed on a house with my son. 
We are not behind on payments or otherwise in breach of contract. 
I am suspicious the note is fraudulent as we were never given a loan as stated in the promise to pay. 
The note is not notarized or signed by any bank. I have had written correspondence via certified mail with all parties at the closing table including the assigned servicer ( XXXX  ) asking for proof of the loan and have not received any proof of a loan only a copy of an EFT from the  lender ( PHH ) saying they transferred money to the servicer. 

I wish to rescind the note as there is no evidence of an ACV loan made and despite my asking at pre-closing as well as at the actual closing, the details of how the note was to be securitized were avoided and never disclosed. 

It is my belief that the originator used my sons and my loan application ( SS numbers ) as a security instrument that was used to withdraw the money from our own XXXX accounts, and then further sold the promise to pay as a bearer certificate to the open market. 

Clearly, through lack of any ACV transaction and lack of full disclosure, the note is fraudulent. 

Because of the scheme, how do I get the note rescinded? 

Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Each year I download credit reports form the 3 major credit reporting agencies at XXXX. At least I attempt to download all 3 credit reports. XXXX and XXXX each download my free credit report without difficulty however, for the past two years EQUIFAX has asked security questions that do not line up with any of my personal information and when I correctly answer the security questions " None of the above '' I am denied a credit report. This has happened two years in a row. I called them last year, was told the problem was resolved and I would be able to download my free credit report " next year ''. Now it is " next year '' and the same problem is recurring. I called EQUIFAX again, was transferred around to at least ( the list is growing ) seven reps who all told me they were transferring me to the department that could resolve my issues. Each time I am transferred I end up connected either to an automated system that does not address the issue or to another person who claims ignorance of how to resolve the issue or of who I need to speak to in order to get the issue resolved. The last rep I spoke to says they are " aware of the problem and are working to fix it ''. For TWO YEARS? I call XXXX. I can not understand why EQUIFAX wants to make it difficult or impossible to collect the free credit report I am entitled to by law, or why they are apparently not working to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: SC

Complaint narrative:
On XX/XX/2017, I sent in documents for 2 accounts that were opened fraudulently in my name to be removed from my report, the accounts are ( XXXX XXXX XXXX XXXX ) XXXX and XXXX. I have already spoken directly with the original creditor but the collection agencies showed proof that I was a victim of identity theft ( I have a fraud alert on my account ) are refusing to remove these accounts from my report. I also have an account with whom the original creditor cancelled their contract and still reported the account negatively, the account is ( XXXX XXXX ) XXXX. And the last account ( XXXX XXXX XXXX ) city of XXXX ... was paid in full and I sent a copy of my XXXX account balance but the collection agency refuses to remove the account from my report. These accounts have all been rectified but the creditors are refusing to update my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: SC

Complaint narrative:
On XX/XX/2017, I sent in documents for 2 accounts that were opened fraudulently in my name to be removed from my report, the accounts are ( XXXX XXXX XXXX XXXX ) XXXX and gentlebreeze.com. I have already spoken directly with the original creditor but the collection agencies showed proof that I was a victim of identity theft ( I have a fraud alert on my account ) are refusing to remove these accounts from my report. I also have an account with whom the original creditor cancelled their contract and still reported the account negatively, the account is ( diversified consultants ) XXXX. And the last account ( XXXX XXXX XXXX ) city of XXXX ... was paid in full and I sent a copy of my zero account balance but the collection agency refuses to remove the account from my report. These accounts have all been rectified but the creditors are refusing to update my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I have opened a wallet in coinbase.com they asked me for a small transaction so they can activate my account and I could get my money out of the wallet into my bank account. I sent 10 and they said that it would take about two working days to activate my account. However, it's been almost two weeks and yet my account is not activated, I tried to contact them by all the methods they provide in their website but I never receive any response. 

I have invested thousands of pounds to get all the money that is in that account but they are still holding it. 

Please help me with this. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: TX

Complaint narrative:
I do not wish to open a dispute. Every time I bring up these accounts the " go to '' is to open a dispute. I am not disputing the ownership of the accounts the problem is with the credit bureau reporting of these accounts after the legally allowed timeframe. And one account is reporting open but has been closed for over 8 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: NC

Complaint narrative:
I needed a loan to help pay my car insurance because there was an issue with XXXX and my payment needed was XXXX to keep my insurance from lapsing. XXXX gave me a loan for {$700.00}. I have paid over {$800.00} back XXXX every two weeks since my last paydate in XX/XX/2017. I was told that I could pay off early and not be charged all the extra charges, but every time i call they add fees and it is over {$900.00}, if I pay before my next payment {$850.00}. I understood that my payment 's made would be added in and I would just pay a small fee for early payoff. I can't afford to pay that or keep paying {$210.00} for the next 3 years. I can only call I get no paper bill and the website is just like a click takes you back to the same page. It says returning users I logged in it just asks to sign loan papers. I'm so stressed my hours have been cut at work and I have XXXX coming out my account I have boys to feed and bills to pay. I know that I pay interest on loans but I think this is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CT

Complaint narrative:
There is a XXXX XXXX collection that just appeared on my credit file that does not belong to me. A year or so a ago another collection company reported a XXXX XXXX collection which I fought and now here we go again. How do I stop this from happening?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: DISCOVER BANK
State: CA

Complaint narrative:
Last fall our card was charged with a very large transaction ( almost {$3000.00} ). I was only notified of a suspicious charge by email. Unfortunately this email doesnt go to my phone ( though the cc company also has my cell number and did not send a text ). I didnt get the email until the next morning. When I called the company about it, they claimed a call came in minutes after sending out the email, from a person claiming to be me that said, let the transaction go through ( Problem # 1 ) Now when I called, I had to give all kinds of identifying information that no one but myself or my wife would know, so how could that be?? ( Problem # 2 ) They closed the card, said they would send out a new one. I checked back numerous times to make sure the fraud charge was removed on my online account. One of those time, it occurred to me to change my contact email so I could be reached more efficiently since they didnt text me. Lo and behold, in the address section there was an unrecognizable address! Someone, these same perpetrators, somehow, had logged in!!! And changed my address! In addition, I realized the service person I had spoken with about the initial fraud NEVER verified my address before sending a new card out! Ive had cards sent before, sometimes for reasons I dont understand, my credit card companies say its been compromised, but dont expand and change out card, but always verify our address ... this person did not. Well now at least we had an address for the criminals!! When we called the fraud department we asked if they were going to go after them, report them, etc ... No, thats not our job What?? 
( Problem # 3 ) We decided once we get the card paid off, we are closing this account, because they do not take their security strongly. Unfortunately, in XXXX when it was paid, we had a large credit to the account. A purchase from the fall of a curriculum subscription that wasnt supposed to start until XXXX needed to be credited back. I told them the account had changed ( the curriculum company ) and they said by law, it still has to credit to the same account for 6 Months. Well, it didnt credit to our account. I finally contacted Discover, they looked it up and said, oh, yeah ... a credit came in on XX/XX/XXXX for {$190.00} to your old account. ( It was XXXX, by the way! ) You have to request that that be transferred over to your new account ( it all has the same balance by the way ). We can do that. It will take 3-5 days. It is now XX/XX/XXXX. The credit has still not come through. I contacted them again. They are checking on it. My account is paid off. This is money I have paid to Discover and XXXX XXXX has credited back to me and I cant get my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: TX

Complaint narrative:
I do not wish to open a dispute. Every time I bring up these accounts the " go to '' is to open a dispute. I am not disputing the ownership of the accounts the problem is with the credit bureau reporting of these accounts after the legally allowed timeframe. And one account is reporting open but has been closed for over 8 years.

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 2018-02-19 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: TX

Complaint narrative:
I do not wish to open a dispute. Every time I bring up these accounts the " go to '' is to open a dispute. I am not disputing the ownership of the accounts the problem is with the credit bureau reporting of these accounts after the legally allowed timeframe. And one account is reporting open but has been closed for over 8 years.

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 2018-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
I mailed my XXXX payment to Specialized Loan Servicing on Friday, XX/XX/XXXX from XXXX, TN, and the payment was mailed to the lockbox address in XXXX, GA, which only takes two days max, as this is always my normal process since there is a fee to pay over the phone or online. I called the mortgagor on Friday XX/XX/XXXX because my payment hasn't cleared my checkings account only to be told that the payment hasn't arrived nor posted to my account and that it has been reported late to the credit bureaus. I attempted to dispute the credit reporting as the payment was made on XX/XX/XXXX but was told I would have to have proof it was mailed. After this conversation I made the payment over the phone, in which I incurred a fee, and forced to make the XXXX payment as this was the only payment amount it would allow. I received a statement a week later showing where the missing payment " mysteriously '' arrived and was posted to my account, only after I requested a stop payment on it and made the previously mentioned telephone payment. This sounds very suspicious that the payment would be posted after I made the previous payment. I have researched this issue and noticed that other consumers are experiencing the same issues of late payment postings with SLS ... they negatively reported my account as delinquent in error since they didn't go by the date of the check I originally issued. I believe this is unfair as I mailed the payment on XX/XX/XXXX and feel that this is the date that the payment should be honored. They haven't been helpful in my dispute of this issue and I am requesting that this negative mark on my credit be reversed as it due to a possible oversight on their part. I have utilized the same method of payment for sending in payments via mail and the payments always got posted/applied timely, so I believe there was an error on their part that caused my payment to be misapplied.

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 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a Chase Freedom Credit Card. On XX/XX/XXXX I was charged {$79.00} for interest. On the XXXX of XXXX I have a scheduled minimum payment of {$120.00}. This totals out to {$200.00}. I can not afford these charges at this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
Due to the Hurricane Harvey damages and FEMA denied my application for assistance, I needed to get the remainder of the repairs done. I'd depleted my savings and repairs were really needed to live in the home. So on XX/XX/, I went into the XXXX XXXX XXXX location completed the Title loan application and she had me to sign the documents. The strange thing I was told they could not give me the funds at their location and needed to go to the XXXX XXXX XXXX location to pick up the funds. So they faxed my application and a copy of my vehicle title to the other location. The representative gave me a check for {$1500.00} and told me my 1st payment would be due XX/XX/. The Hurricane damages, no savings and one check coming after 2 -3 months caused a financial hardship. I decided to do a Debt Consolidation in which they wanted to pay off the Lone Star Title Loans. We called XXXX XXXX to let them know we were paying off the Title Loan but the company was paying with a check from XXXX XXXX. We told the paying company knew they do not accept their checks and I was floored. My loan proceeds for paying off other creditors would be processed after the payoff of the XXXX XXXX XXXX XXXX. I don't understand why they would not accept the payment from another financial institution. Now I can not get the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief