vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Today, XX/XX/XXXX, I received a response from Bank of America Home Loans indicating that the letter I sent them last week should be going to Bank of America N.A.

The letter in question was sent to Bank of America N.A. 's attorney on XX/XX/XXXX ( via certified mail and returned receipt ) and I have yet to receive a response.

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 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Hello I reached out to this merchant regarding a fraud credit card that was opened on this account the merchant informed me that they couldn't verify that I didn't benefit from the credit card so they cant help me remove this negative item that does not belong to me from my credit I asked to the creditor to send me identyinfg documents to verify who opened the account up and they could not they also don't have anything that associates me with this credit card except for my ssn no other documentation they have on file belongs to me this account was opened via the internet per the representative so they are assuming this is my account and it does not belong to 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 2018-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I lost a bid on an item on XXXX. Seller reached out to me via email stating that the winning bidder pulled out and he had the item available, I was the previous highest bidder. We moved off of XXXX   to continue conversation. Spoke to each other onXX/XX/XXXX, on the phone and discussed purchase outside of XXXX. That should have been my first big red flag. Paid in increments based off of " proof of shipped goods. '' 2 XXXX XXXX for a total of {$3800.00} XX/XX/XXXX - {$1000.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$1000.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$500.00} USAA to XXXX XXXX via XXXX XXXX ( disputed and reversed ) XX/XX/XXXX- {$500.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$200.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$600.00} USAA to XXXX XXXX via XXXX  Seller claimed to have shipped the computers twice. First time he could not give me a tracking number but the second time he did, it was never scanned in by USPS. Seller claimed that when he went to the post office they hadn't loaded it after 3 days and he picked it back up. Seller offered to fly it out with the final payment. Supposedly the seller flew to XXXX  and was still unable to make good on his promise.

I contacted USAA and they said they could not help me and sent me to XXXX. XXXX  said they could not help me and that I needed to file a police report/complaint. I filed a police report and the police told me they couldn't help me that I needed to go to the FBI. I filed the FBI complaint and never heard anything back. This has now been going on for 2 months and I still do not have a refund, I have excuses and empty promises from the seller, and this is my final attempt to get my money back and press charges against XXXX XXXX  of XXXX, GA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: ID

Complaint narrative:
Last month, I made a payment online for my monthly mortgage payment. I received an email from the loan servicer confirming that my payment had been processed. This month, I went to make another payment online and found that the loan processor had not processed my payment from last month and was going to charge me {$10.00} for late payment for last month 's payment, plus I now owe for this month. I paid both payments online, including the {$10.00} late fee and then called to see what happened to last month 's payment. The loan servicer confirmed that they received the online payment last month, but had no idea why it didn't go through. She said it was probably an internal processing error on their part. However, she would not refund my {$10.00} late fee because she said her system wouldn't allow it, and it was too bad that I didn't call to pay over the phone because then they could have removed the {$10.00} late fee.

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 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello I reached out to this merchant regarding a fraud credit card that was opened on this account the merchant informed me that they couldn't verify that I didn't benefit from the credit card so they cant help me remove this negative item that does not belong to me from my credit I asked to the creditor to send me identyinfg documents to verify who opened the account up and they could not they also don't have anything that associates me with this credit card except for my ssn no other documentation they have on file belongs to me this account was opened via the internet per the representative so they are assuming this is my account and it does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: VA

Complaint narrative:
My name is XXXX XXXX, ( XXXX ) XXXX I Just finished Chapter XXXX  a few months ago, The servicer sold my mortgaged to another servicer, I have proof of all payments made in the past 5 years, the new servicer says I, m behind 22 payments and {$79000.00} and wont except my monthly payment unless I pay the {$79000.00}! 5 payments I've made to them has cleared my bank and not applied. The XX/XX/XXXXpayment was returned with letter they cant except without me paying the {$79000.00} They say they have referred account to attorney for legal action. Servicers : # 1 XXXX XXXX XXXX XXXX XXXX XXXX, PA. ( XXXX ) XXXX Account # XXXX # 2 New Servicer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX ( XXXX  ) XXXX Account # XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: SC

Complaint narrative:
Account with XXXX XXXX opened XX/XX/XXXX. On Trans Union has XX/XX/XXXX. The highest credit was {$9200.00}. Trans Union has {$13000.00}. This loan has been sold five times. My compliant is with XXXX XXXX as well as Trans Union. XXXX  sold to XXXX XXXX, from XXXX XXXX to XXXX XXXX, from XXXX XXXX to XXXX and currently XXXX XXXX is trying to collect. I feel I have paid this loan in full. I never boworred {$13000.00} form XXXX. I believe this information is outdated. All companies listed stated collections under XXXX. I began XXXX reported having received {$5800.00} when transferred to another lender inXX/XX/XXXX. On XXXX   {$4700.00} activity designation paid and closed. XXXX received payment up until XX/XX/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 2018-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Since XX/XX/XXXX, my investment in Coinbase ( Bitcoin ) is stuck in their " vault '' because my secondary email address is no longer available to transfer money out of the vault. The secondary email address was deleted due to non-pmt and can not be restored. I contacted Coibase initiallyXX/XX/XXXX, and they sent me a canned email saying they have to transfer the money out of the vault themselves and will contact me later. I contacted them again each month since ( 4 times in total ) and recieved the same canned emailed. Meanwhile I have lost about $ 12k because I could not sell the investment in XX/XX/XXXX. Every month I keep losing money because I can not access my investment that is stuck in the vault.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
" WFDS '' pulled my credit twice without authorization. Once on XX/XX/XXXX and again on XX/XX/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 non-monetary relief
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I was formerly a XXXX  customer and decided to switch to XXXX in XX/XX/XXXXor XX/XX/XXXX. Then I contacted XXXX  via cellphone stating that I canceled my insurance and showed proof via email that I was a XXXX customer ( the representative told me that if I didn't show proof that I switched then I would be charged which I promptly did. The representative then said that I didn't have to pay any amount because I called in to cancel and that I was already insured. ) Now I was getting strange phone calls and emails stating that indeed I owed them money for cancelling or I didn't show any proof of insurance. I now have no vehicle because it was totaled in an accident and we are currently involved in a lawsuit because I have XXXX and the other person involved has XXXX   insurance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
About 30 years ago I opened an account with overdraft protection with Wells Fargo Bank. 
Last year there was a overdraft on a check. The Bank never told me they were opening a credit card account for that overdraft. that was charging the maximum amount on the overdraft, interest and fees. A statement came in the mail about two weeks ago ( the only one sent ) saying we owe almost 2400.00 dollars to the Wells Fargo credit account which I didn't know about. The bank was doing automatic transfers out of our account to the credit card until now. I talked to a XXXX XXXX in Customer Service about this and he asked didn't Wells Fargo Bank tell you that they were opening and account in your name? XXXX was not aware of this account until now. XXXX XXXX told my husband and me that someone will call us tomorrow from Wells Fargo credit card. I talked to XXXX XXXX XXXX @ XXXX She Opened up a claim on XX/XX/2018 The claim was about this account my wife was not aware of. XXXX XXXX XXXX said she would get back to my wife and with the decision tomorrow. That XXXX XXXX XXXX would call by noon. But I was anxious after XXXX XXXX came and went. I called and a XXXX XXXX answered the phone saying XXXX XXXX was out for the day. XXXX XXXX said call on Monday.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST
State: WA

Complaint narrative:
I had opened a PREMIER CHECKING account with Bank of the West under the " 2017 Summer Digital Checking Offer II ''  promotion. The promotion entailed a {$300.00} bonus credit upon keeping an average {$25000.00} balance in the account for 2 months. I had called the customer service line a couple times throughout the months to make sure I am still on track for receiving the bonus, and was assured that I am still on track. However, after 3 months of keeping the {$25000.00} balance, I still didn't receive anything, and was told that I somehow did not qualify for the bonus despite having kept the balance. Now, I have been hit with {$80.00} in fees as well, and the Sr.  Relationship Banker at my local branch is refusing to refund the fees or look further into the issue, stating that the account was opened online so there is nothing he can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I found myself unemployed. By the middle of the month, XX/XX/XXXX, I realized that I ( probably ) wouldn't have a job on XX/XX/XXXX, so I called all of my student loan holders and request that my loans be put into forbearance until XX/XX/XXXX. 
XXXX XXXX and XXXX XXXX were able to process this request and I was approved on the spot, as my payment history is flawless. 

Flawless, too, is my record with XXXX XXXX XXXX. HOWEVER, they were unable to process my request due to " an issue in the system, '' and they promised to call me back the next day. They did not, so I called on Friday the XX/XX/XXXXand was told 1 ) that they would take me off of auto-pay so to avoid overdraft. 2 ) they are still unable to put my loan into forbearance due to the same system error. 3 ) they recommended that I simply NOT MAKE A LOAN PAYMENT instead of entering forbearance. 4 ) they have submitted my application and would call me when I was approved. 

On point # 1 - I was lied to. When I logged in, my account was still set to auto-pay in the first week of XX/XX/XXXX. 
On point # 3 - My concerns about what this would do to my credit rating were dismissed outright. 
On point # 4 - Please see below. I was lied to again. 

My next level of communication was through the website mailbox system. The response I received was that I need to call in to get my loan status changed. 

So I called today, XX/XX/XXXX and was told : 1 ) No one had *started* a forbearance request. 2 ) I should simply not pay my student loan for 60 days. 3 ) The forbearance request will be started and my auto-pay will be cancelled today. 4 ) Putting my loan into forbearance will accumulate so much interest, and increase my monthly payment amount that I'm better off just making payments when I can. 

And then I was " transferred '' aka hung up on ... so I doubt that my friends at XXXX XXXX XXXX processed anything on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
Debt collection company EOS CCA called my work line hundreds of times over the course of the past several months at all hours of the day. Each time a robo coller with no person on the line would call then hang up from dozens of different numbers. When I called to tell them to stop they would not respond. When I blocked their phone number they would use a different phone number, This effected my business and has cost me thousands of dollars in damages. ( Since I won't answer unrecognized numbers we have lost many prospective sales as a result. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I applied for a credit card and received mailed notice from Barclays Bank stating they needed additional information. They requested copies of my current drivers license, copy of utility bill, and copy of my social security number. Although I had reservations about providing my SSN, I did send them the first two items and a copy of my Medicare Card which clearly shows my name and social security number. After a few weeks had past, I called to find out the reason for the delay in issuing my card. They insisted that they must have the copy of my social security card in order to process the application. 

Since the information they requested was to verify my identity, I offered to send them a copy of my birth certificate or any other information they needed to prove my identity and citizenship as an alternative to the social security card. My Medicare Card is should be as valid as my social security card for providing my social security number. 

As far as I know, there is no XXXX requirement that states that a financial institution MUST require its customer to provide a social security card as valid documentation in order to do business. I feel that their insistence on requiring that singular piece of identification, and one the Social Security Administration itself suggests against providing, represents an unfair trade practice by the bank. This situation could be easily avoided if Barclays would accept other primary types of identification.

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 2018-03-30 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: Ditech Financial LLC
State: SC

Complaint narrative:
Account with XXXX financial opened XX/XX/XXXX. On XXXX XXXX has XX/XX/XXXX. The highest credit was {$9200.00}. XXXX XXXX has {$13000.00}. This loan has been sold five times. My compliant is with XXXX XXXX as well as XXXX XXXX. XXXX sold to XXXX XXXX, from XXXX XXXX to Green Tree, from Green Tree to Ditech and currently XXXX XXXX is trying to collect. I feel I have paid this loan in full. I never boworred {$13000.00} form XXXX. I believe this information is outdated. All companies listed stated collections under XXXX. I began XXXX reported having received {$5800.00} when transferred to another lender in XX/XX/XXXX. On XXXX   {$4700.00} activity designation paid and closed. Ditech received payment up until XX/XX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: CITIBANK, N.A.
State: SC

Complaint narrative:
Account with Citi financial opened XX/XX/XXXX. On XXXX XXXX has XX/XX/XXXX. The highest credit was {$9200.00}. XXXX XXXX has {$13000.00}. This loan has been sold five times. My compliant is with Citi Financial as well as XXXX XXXX. Citifinancial sold to XXXX XXXX, from XXXX XXXX  to XXXX XXXX, from XXXX XXXX to XXXX and currently XXXX XXXX is trying to collect. I feel I have paid this loan in full. I never boworred {$13000.00} form Citifinancial. I believe this information is outdated. All companies listed stated collections under Citifinancial. I began Citifinancial reported having received {$5800.00} when transferred to another lender in XX/XX/XXXX. On XXXX   {$4700.00} activity designation paid and closed. XXXX received payment up until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: ALCHRO INC.
State: FL

Complaint narrative:
Between XX/XX/XXXXand XX/XX/XXXX, I paid off the bill of {$75.00}, in its entirety, to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX and it appears that the information was not removed nor did I receive a receipt of payment stating that I paid the bill even though my bank statement proves that I paid the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My checking and savings account under Chase Bank have been frozen for nearly a year. There had been nearly {$1000.00} balance in the accounts which I am unable to access, and whenever I call to check about this, I am transferred to a department who does not provide me any information other than that my accounts are under investigation. I am not sure how I can get my money back from Chase Bank or what sort of investigation may be happening that has taken nearly a year and still has no resolution. Furthermore, I was promised to receive a {$300.00} checking account bonus + {$300.00} savings account bonus, which I never received due to the accounts being frozen.

Company response to consumer: Closed with explanation