vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In late XX/XX/XXXX and early XX/XX/2018, 4 fraudulent withdrawals were made from my bank account ( s ) with Bank of America. These transactions were : {$900.00} Cash Withdrawal in  XXXX XXXX, CA on XX/XX/2018. A Fraudulent check for {$2300.00}, returned on XX/XX/2018. A fraudulent check for {$2200.00}, returned on XX/XX/2018. A fraudulent check for {$2100.00}, returned on XX/XX/05. 

Upon first noticing the fraud on XX/XX/2018, I contacted Bank of America, and they closed my then-current account to open a new one. In subsequent days, the additional fraudulent transactions listed above came in - including one in the NEWLY OPENED bank account, for which I hadnt yet received a Debit Card or PIN ( because the representative forgot to send it to me, which was indicative of my entire experience with Bank of America throughout this long process ). This means that, despite my account being locked and a fraud alert being placed upon it, a teller at some branch allowed additional fraudulent activity to take place.

The fraud department has told me that an investigation will take 60 business days to complete. In the meantime, my entire bank accounts balance is locked to me. Bank of America refused to issue me a credit, stating that these transactions would require my PIN number - something that I have never told anybody, but which could have been stolen in any manner of ways.

I have filed a police report regarding this issue, but this has not sped up the process whatsoever.

The fraudulent checks have a signature on them that purports to be mine, but is not my signature. Bank of America knows what my signature looks like, and chose not to verify it when cashing these checks. In addition, these checks were for a far higher balance than any normal transaction in my bank account. They failed to do their due diligence, and expect me to suffer while they take their time.

Bank of America constantly talks about how they protect the consumer from fraud, but when I needed their help after being a customer for 10 years, they told me that I just had to wait while they took their time to conduct an investigation. I am tired of waiting. I have received no new information for over two months, and I want action on this immediately.

They have even started sending me emails stating that I owe them money due to these fraudulent transactions.

When all the fraud is removed from my bank account, I should have a balance of {$950.00}. I want this money returned to me without delay.

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 2019-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom may concern, I would like to know how are you verifying these accounts when there have been several of data breaches with XXXX, XXXX, and others. Due to these breaches I have grounds to class action lawsuits which I prefer just to get the items deleted. Also humans in the flesh can not have accounts ONLY accounts stated and ONLY businesses can have accounts. Please remove these accounts immediately due to they are illegally reporting on to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom may concern, I would like to know how are you verifying these accounts when there have been several of data breaches with XXXX, XXXX, and others. Due to these breaches I have grounds to class action lawsuits which I prefer just to get the items deleted. Also humans in the flesh can not have accounts ONLY accounts stated and ONLY businesses can have accounts. Please remove these accounts immediately due to they are illegally reporting on to my report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RFNA, LP
State: LA

Complaint narrative:
I was contacted at my new place of employment, but was busy at the time. My coworker took a message. The name XXXX was left and a number. My coworker asked if it was a business call or personal call because we can not accept personal calls while at work. XXXX said it was business. Im a branch Manager, but didnt get around to returning XXXX call. The next day I was out of work, and XXXX called. My coworker told XXXX I wasnt there. XXXX asked to speak to the manager, and my coworker explained that I wasnt in. XXXX then began harassing my coworker for more information as to contact numbers within the company that my coworker doesnt have access to being I am the branch manager and those needs are handled through me. XXXX also explained she needed to speak with me and left the name of her company. This was not only embarrassing, but hurtful to my employment being I work in money services and have had the same debt collector call consecutive days. My cell phone is not out of service, and my voicemail is set up and not full. I have been reprimanded at work for not only having personal calls come through, which XXXX was deceptive about on day one, but for having my coworker feel harassed on her job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: TX

Complaint narrative:
Suppose to close on XX/XX/XXXX they foreclosed XX/XX/XXXX the documents are falsified and not real. I was scammed and dealing with XXXX XXXX and XXXX. Have left me hanging when this is time sensitive and we had a contract on a sale with contingent. My buyer sold their property to buy mine then we were left in limbo. Also had a claim that they will not honor. Giving me the run around nonstop. This was from 2005 I was inherited this house and debt. I was frauded with this. This isnt right Ive lived here 10 years this is my homestead. I went through probate court. Have all documebts to back this up. Noone will respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is reporting inaccurate information on my file. I have sent correspondence and have contacted them via telephone on numerous occasions to have same corrected. The company is willfully and negligently non-compliant.

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 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting inaccurate information on my file. I have sent correspondence and have contacted them via telephone on numerous occasions to have same corrected. The company is willfully and negligently non-compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have applied for XXXX  's XXXX XXXX XXXX  XXXX Discharge through Nelnet, which " assists the U.S. Department of Education ( called 'the Department ' throughout this site ) in administering the XXXX XXXX XXXX XXXX ( XXXX ) discharge process. '' I have been deemed eligible ; however, there is a catch. There is a three year ( 3-year ) post-discharge monitoring period from the date the discharge is approved. Why so long? Why does the discharge go into effect immediately as most financial institutions would do? 

The monitoring period is unethical and unfair to people with XXXX trying to manage a daily life. The monitoring period hovers over my credit report for three years. Also, I am expected to earn no more than {$12000.00} per year in the State of Florida. 

This is well below the poverty line, unethical and unjust to expect an individual, human being to have some type of life on {$12000.00} per year. What about food, rent, gas, transportation, medical, XXXX, automobile insurance, etc.? I believe XXXX and/or NelNet should update their policies to reflect anyone deemed eligible for XXXX should have their student loans waived outright from the date of approval. 

It is unjust, unfair, unethical and stressful to allow these types of financial abuses to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I have been attempting to reach a resolution of this mortgage for several years. In XX/XX/XXXX, I was approved for a trial modification, which began on XX/XX/XXXX. I made monthly payments pursuant to the trial modification in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as XX/XX/XXXX. I was able to make these payments without any financial hardship. I would continue to be able to make these payments if the lender were to allow me to do so. 

In XXXX XXXX, I received a letter from M & T Bank ( the servicer for my loan ) dated XX/XX/XXXX. This letter advised me that my request for mortgage assistance had been removed due to liens or judgments that [ I allegedly ] did not satisfy. After speaking with M & T Bank, I learned that this action was being taken because they had not yet received the quitclaim deed from my ex-wife for the property. The difficulty in getting this to the bank was not due to my own neglect. Nevertheless, after learning of this action being taken, the lawyer who represented me in my divorce was able to expedite the execution of the quitclaim deed, which was promptly sent to M & T Bank. 

By the time the quitclaim deed and divorce decree were sent to M & T Bank, they required me to resubmit a loan modification application. I complied with this request. On XX/XX/XXXX, I learned that I was now being denied for a loan modification. I called M & T to inquire as to why. They explained that they analyzed my application based on my XX/XX/XXXX income. The fact is that in XX/XX/XXXX, I worked fewer hours, and the monthly income is not a fair representation of my usual earnings. M & T Bank was aware of my yearly earnings, yet based their analysis on a limited snapshot that did not properly reflect my earnings, and thus my ability to pay this loan. 

I think it is entirely unfair that M & T Bank offered me a trial loan modification, which I successfully paid without difficulty ; withdrew my request for assistance due to a missing document, which was missing through no fault of my own and which was promptly provided to them ; analyzed my additional request for mortgage assistance based on a time period that was not properly reflective of true earnings ; and then denied my request on the basis of this limited time period.

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 2019-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I purchased a new vehicle in XX/XX/XXXX or XX/XX/XXXX. The car was financed through Santander Consumer USA. I am not sure what kind of financing practices they use, but after 5 years, and seeing that the principal was still extremely high, I decided to just let the car go back because there was no way I would be able to pay it off. The car was originally around {$24000.00}. After 5 years, the payoff was still over {$20000.00} as of XX/XX/XXXX. I believe their finance practices are illegal and so I am reporting them at this time. In XX/XX/XXXX, I tried to trade the car in but owed so much that the dealership told me to keep it. At the time I attempted to trade it in, the value was only between {$8.00} to 10,000.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover Card ( credit card company ) sent me a letter indicating that they were lowering my line of credit. This was based on a review of a credit report provided to them by XXXX. My credit FICO score with other agencies and credit card companies is quit high - plus XXXX and is currently at XXXX as reported by XXXX  as of XX/XX/XXXX. 


Discover Card listed my FICO score as XXXX and included " multiple delinquencies '' as a reason of lowering my line of credit with them. I have not missed a payment with Discover or any other CC company since XX/XX/XXXX!! I have requested that Discover PLEASE review this matter and consider re-establishing my credit to the previous status. 

I have spoken and communicated via email with representatives at Discover. 
A few have admit that there seems to be no reasoning behind the decrease in my credit line. They also can not see where a FICO score of XXXX was ever provided to them from XXXX  exist, but do see it was included in the notification letter that was sent. I also checked my report directly with XXXX XXXX - there FICO score was well above a delinquent XXXX score. 


I am just looking for some help to limit the damage that an erroneous credit line decrease can create. I've worked hard to establish a good and positive credit standing. 
I'm not sure why Discover is unwilling to work with me to resolve this matter. I'm asking you there for some assistance. 

Thank you for any help you can provide me in this matter, Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX started a mortgage with Washington Mutual for a mix use property, this a commercial mortgage with this being our primary residence / owner occupied. the mortgage was sold to another bank before lastly Chase Mortgage holding it for the last approximately 9 plus years. The mortgage had a balloon after 12 years as originally written for {$590000.00} that matured on XX/XX/XXXX. We never missed a payment as well as our taxes and insurance. We always keep up on the maintenance of the house and the property. When it was time to pay the balloon payment Chase Mortgage told us that the " property did not fit their business plan. We bought your mortgage in a portfolio. We won't refinance your home. '' We thought it was implied that since we are in good standings in every area that Chase would refinance the balloon. We kept paying Chase after XX/XX/XXXX until XX/XX/XXXX Chase stopped taking our payments and returned our payments and are hitting us with legal fee of over {$40000.00}. We are in forbearance with foreclosure proceeding being threaten by Chase Mortgage if we don't find a new mortgage.We feel that we have been discriminated against and red lined in the process of trying to obtain a new mortgage for this property. I can not see any other reason why Chase Mortgage will not refinance this loan. Please help we are going to loose our home and our investment. My wife is sick over this. 
Thank you Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On various dates shown below, I did not authorize the following transactions : XX/XX/18 ( {$150.00} ) XX/XX/18 ( {$300.00} ) XX/XX/18 ( {$450.00} ) XX/XX/18 ( {$700.00} ) XX/XX/18 ( {$1000.00} ) XX/XX/18 ( {$400.00} ) XX/XX/18 ( {$300.00} ) XX/XX/18 ( {$500.00} ) XX/XX/18 ( {$500.00} ) Total : {$4300.00} However, after filing a claim ( Claim # XXXX ), Chase denied my claim. Now I have incurred a loss of that amount. Please help me rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: KY

Complaint narrative:
I received 3 text messages ( see screenshot for dates XXXX from XXXX regarding an outstanding check i have out with checksmart from 1month ago. First text was to tell me my check payment was overdue. The last 2 stated if i call XXXX before XX/XX/2019 I would get 20 % off what i owe. When i called that number today a woman asked for my social security number so she could look up my balance. Then gave me my balance which was correct. She then asked me what the text said i told her 20 % off she says oh ya oh ya we can do that. Then says let me find calculator. Ya thats about {$92.00} off i think and asked for my debit card number very excitedly. I didn't think a debit card could be used to pay off check. So i asked if i could go into my local branch and have the same 29 % off, she then stated she was at corporate office and this promo would not be honored in any store only over the phone. Time was XXXX when i called. Upon looking up the business hours for checksmart corporate i descovered they close at XXXX and theres not even a local branch that stays open that late. She was able to provide me with the correct amount i owed on check but i dont know is that info available to the public with just a social security or maybe she's a crooked employee. Is this a scam? I didnt give my debit card info. And my complaint isn't directed towards checksmart only toward this alleged scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Freedom Mortgage has our property tax in escrow and will not pay it. The courthouse says they will sell our house on the courthouse steps if its not paid. Plus our name gets put in the newspaper, etc.

Our property taxes have been escrowed since day 1. We have never missed a payment. They lie every time we call. First they say they paid it. Then they say the paid the wrong parcel. Then they say they paid for the wrong person. All lies.

This mortgage company has horrible reviews and should be shut down. It is illegal for them to keep our money and not pay it to the appropriate parties.

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 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been placed on collections by : LVNV FUNDING LLC # XXXX C/O RESURGENT CAPITAL SERVICESXXXX XXXX   XXXX XXXX , SC XXXX ( XXXX ) XXXX-XXXX.. 

I requested documentation proving this account beloved to me, and have not heard from them to this date. The company is showing in my credit report and is unable to provide written documentation i have requested to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I had an account XX/XX/2015 with XXXX/ Cont Finco. I closed it and then settled it as paid in full for less. I ask them to remove the account after i settled it. they said they could not.

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 2019-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
XXXX, the rep who continuously calls and leaves multiple messages a day on my cell, work, and references phones is completely harassing me. Ive mentioned to him before Im unable to communicate during working hours and that I am also attempting to readjust due to other financial issues from mid last year. Personal information about my business with this company was given out to one of my references discussing my loan information that I did not advise was ok between representatives with this company which is a direct violation of my rights and as I understand it, gives me legal rights to pursue legal litigation due to this violation concerning disclosing my private information of the contract between this company and I. Due to the extraordinarily frequent contact, I have been professionally reprimanded on several occasions for the constant calling and messages. Furthermore, several friends and family members have advised they have asked for them to cease contacting them but theyve refused to do so. I also asked him on our last conversation not to call my employer due to this but yet he continues to call my extension almost daily.

Company response to consumer: Closed with explanation