vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX of XXXX, we refinanced our home through XXXX XXXX XXXX in XXXX, VA. In XXXX of that year, XXXX XXXX XXXX sold the loan to XXXX XXXXXXXX XXXX. In XXXX of that year, we re-financed again because we did not like the customer service from XXXX. We re-financed with XXXX which is now XXXX XXXX. In XXXX, Capital One purchased XXXX. In XXXX, we opened a second equity line with XXXX XXXX XXXX in second position. At that time, nothing was found during the title search. When the loan came up for renewal in XXXX, we applied for a renewal. During the title search, an unreleased loan through XXXX XXXX was discovered. I have the HUD Settlement statements from the XXXX loan and the XXXX loan showing that XXXX was paid as well as the letter from XXXX informing us that they had purchased the loan. I called Capital One to ask for a release. The customer service person was able to see the loan number and my name, but had no other information in the system. She refused to send a release. She said she would send a later explaining the situation. I received the letter today and all it said was " No information about the above referenced loan could be located. '' I need to have this cleared off the Title work for my home. It is particularly annoying as I did nothing wrong but this could negatively impact my ability to sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
American Express Credit Card - Standard monthly payment on the XXXX of every month - On the XX/XX/XXXX, multiple fraudulent payments to balance were attempted. Amounts were : {$4500.00}, {$4500.00}, {$3200.00}, {$4000.00} - Amounts did not clear my bank, and were sent back as return payments. 

- As a result of 4 return payments, credit limit was lowered from {$12000.00} to {$7700.00} - Additional fraudulent payment of {$7500.00} was scheduled on the XX/XX/XXXX, but was canceled ahead of time by me. 

- Fraudulent bank account was added to my account on XX/XX/XXXX - Called on the XX/XX/XXXX to American Express, assured by agent that the payments ( then unknown as fraudulent ) were not actually taken out. No other resolution - On XX/XX/XXXX after receiving notification of additional {$7500.00} scheduled fraudulent payment, called 4 separate departments to American Express, who helped me figure out the payments could be fraudulent in order to gain access to the immediate credit on my account following a payment. They gave me two options to attempt to restore my credit limit : - Submit proof of wage documents to start a credit limit raise application, told by Customer Service that this was likely to be denied due to credit score and outstanding debt -Pay a sum of around {$3800.00} by XX/XX/XXXX, which was the difference between my previous credit limit and my newly lowered limit -Passwords and information changed securely on the XX/XX/XXXX. Do not believe fraudulent activity will continue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Respected Ladies/Gentlemen of CFPB, I sent {$1000.00} via Western Union to XXXX ( XXXX XXXX ) from XXXX on XX/XX/2018. 
Recipient was XXXX XXXX XXXX, who had done work for me during an electrification project. 
The recipient did not pick up the money, as Western Union XXXX had given it to somebody else. I will be happy to provide you Western Union 's receipt of transfer and the recipient 's passport. 
I lodged a complaint with Western Union and they have done nothing. My party in XXXX is sick & needs the money for hospitalization. 
Thanks you Very Much. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
The problem began in XX/XX/2017 when the Escro amounts changed in my monthly payments. It was found that there was an Escro shortage. I was given the option to spread out the amount of Escro shortage over 12 months. Changing my monthly payments from {$990.00} to {$1000.00} due in XX/XX/2017 and then {$1000.00} for the remainder of the shortage. NationStar AKA " Mr. Cooper '', recieved and cashed my check on XX/XX/2017 for {$1000.00} as per new agreement. The Nation Star then decided to attempt to pay the full shortage for {$310.00} causing the principle and interest amount to be $ XXXX.Because they did not follow the agreement to spread it out over 12 months, it created a shortage in the payment, causing it to not be able to be applied. The payment not being applied caused me to send another check for {$990.00} on XX/XX/XXXX to cover the payment for XXXX. This caused for {$750.00} to be left un-applied. I then made another payment XX/XX/2017 for {$1000.00} as per the new agreement to pay for the new Escro shortage. On XX/XX/2017 I was forced to issue a stop payment for a check that was cleared on XX/XX/XXXX that was never applied to my account. I was reported late on my credit report for every one of those payments, as a 30-day late payment. This is the reason for my complaint, because payment history shows that I was not at fault. Unfortunatley, these errors are negatively affecting my credit and ability to refinance this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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:
How Bank of America didn't protect my money or secure my bank account.

Apparently I was spam bombed with a few thousand emails. This started on XX/XX/XXXX th and has continued to present. I did research and discovered that spam bombing is used to cover up financial attacks so on XX/XX/XXXX I changed all my passwords to all my accounts. 
However little did I realize that earlier someone had according to Bank of America logged into a : '' trusted device '' and transferred {$7500.00} to a XXXX XXXX. 
Never hear of this person. Somehow the hackers managed to change my bank profile settings and enroll their telephone and sign up for safe pass which allows someone to transfer more than {$5000.00}. At no time did i ever get a warning or a text from BofA. 
I have had this business account for over 20 years and have NEVER done a transfer like this. Red flags, Nothing On XX/XX/XXXX I discovered the theft and filed a claim with B of A. 2 days later XXXX XXXX in the fraud investigation department emailed me a letter stating my claim was denied because it was on a trusted device. In spite of repeated attempts Bank of America never supplied me with any information about devices or routing numbers of where the money went to. I am unable to file and FBI report because Bank of America has not been stonewalling me. They told me they were trying to recover the money from XXXX XXXX but on the other hand stated they never actually spoke with anyone at XXXX XXXX.. 
So I am now out {$7500.00} Bank of America completely failed to protect me, failed to honor their if your a victim of fraud your not responsible.

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 2018-11-05 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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Toyota XXXX Toyota financial services has reported incorrectly a 30 day late pay for XX/XX/XXXX. I advised the company that my credit report shows a 30 day late for both XXXX and XXXX and I was initially advised that the XXXX late payment was incorrect as the payment posted on XX/XX/XXXX and that It would be researched. Research was completed and I was advised the credit reporting is correct and it reports 30 days behind meaning that my XXXX and XXXX payment were past due. I was always under the impression that credit reporting reflects current date and not 30 days behind. my XXXX payment was deducted from my account on XX/XX/XXXX, XXXX payment on XX/XX/XXXX.. XXXX payment was indeed past due with XXXX payment postin XX/XX/XXXX ... my payments are due on the XXXX of each month. I was then advised my the rep that it was difficult to see when the payments actually posted because of the late payments. this is the second time I have had an issue with the Toyota reflecting on my credit report incorrectly and that time they also initially indicated there was no error. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Account for old car loan that that was paid off has many things on my reports inaccurately. Disputed info over 30 days ago with TransUnion and XXXX.. I want to have this account removed from reports. Have screen sots and copies of all inaccurate negative items.

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 2018-11-05 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I did not receive any bills from XXXX Hospital. I checked my credit report in XX/XX/2018, I had a collection from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX. I sent them a letter and no response. I disputed with Trans union multiple times. I requested that they send me verification how they disputed, they only sent me a credit report. XXXX XXXX XXXX never sent me validation as I have requested. On XX/XX/2018 I sent them a letter I received no response. I just sent a letter to Trans union to dispute this item because it is now listed as XXXX Hospital under XXXX XXXX XXXX information and telephone number. Trans union keeps  saying verified, but I can get no response from delivery financial services. I have also sent Trans Union multiple Letters about inquiries, but they say they don't dispute inquires I have to send to companies only. I have requested for them to send me information on how they verified the accounts for XXXX XXXX XXXX, chapter XXXX bankruptcy XXXX, chapter XXXX bankruptcy XXXX and all they sent me was a credit report stating verified. I also informed them I was part of Identity Theft and please remove the inquiries. I am sending them another letter of dispute, but I am sure they are not verifying these items correctly.

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 2018-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC.
State: AR

Complaint narrative:
Called Sun Loan Company on XX/XX/2018 to speak about not being able to make a payment that month due to not having money at all that month. The woman cursed me up and down and continued to ask about my partner whom I'm not married to, living with me, though separate household/and bills. Partner was in the middle of filing bankruptcy and I said that he was and the lady immediately began to curse me and ask me for a case number, etc and I felt attacked and it wasn't my place in my mind to give information out like that. When I stated that I don't have that information on his bankruptcy case at the moment and didn't know which attorney he went through, ( even though I did, but like I stated, it wasn't my place to say anything. ) The woman hung up on me. Since then, Sun Loans have called and harasses me two to three times a day from Monday through Saturdays and even calls my mother and best friend to inquire about me. I've been harassed as well about a friend 's loan that she went arrears with too.

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 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
In or around XX/XX/2018 XXXX XXXX was in review for loan modification. On XX/XX/2018, without properly denying the application, Ocwen proceeded with a foreclosure in violation of Regulation X, 12 C.F.R. 1024.41 ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
To whom it may concern I'm having an issue with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GEORGIA XXXX XXXX SEND PAYMENT TO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MISSOURI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MICHIGAN XXXX XXXX I made a purchase of a washing machine and dryer the total cost was {$1100.00} my payments are {$73.00} I made the purchase of the washing machine and dryer on XX/XX/2018 which I have made 8 payments {$73.00} 8 months = {$580.00} but after 8 months of pain my monthly fee I found that I still owed {$1000.00} that only {$91.00} has been applied to my bill and {$490.00} it's the fee if I pay another 8 months only {$91.00} will be applied to my bill and another {$490.00} would be my fee and I will still own {$1000.00} these fees are outrageous I have credit cards for XXXX XXXX store and other credit card stores and I have never ever been charged {$490.00} for fee these are sticker shock fees these fees are unfair to the unexpected consumer I never ever expected to have such big outrageous fees I was told I would have a one-time application fee and I was told that a little intrigued will put on for the fees like {$10.00} or {$15.00} not {$500.00} fees that's more than the product and the purchase I was trying to make a purchase and pay it off when I agree to this contract I had no ideal that the fees would be so outrageous it unfair to the consumer 8 months 8 months = 64 {$73.00} 8 months = {$580.00} {$73.00} 8 months = {$580.00} = {$1100.00} - {$180.00} this what will go on the bill after 64 months = {$980.00} is the fees and the original purchase price of the washing machine and dryer is {$1100.00} - {$180.00} is applied to the bill 64 months I will still owe {$1000.00} EST. 
The washer was {$440.00} the warranty was additional {$110.00} in the dryer the dryer was {$440.00} and the warranty {$110.00} I was not in no way aware of paying {$500.00} on fees on a {$440.00} wash machine and put in a position where I could never afford to pay for the product because the fee is more than the product an unfair to the unexpected customer sincerely yours dissatisfied customer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: 1 STOP MONEY CENTERS, LLC
State: AZ

Complaint narrative:
On XX/XX/2018 I went to the bank to pull money out for payments including the one to the company that took money out. I noticed XXXX was taken out of my account " without my permission ". I called the company who removed my funds that day to demand that they return the money. I was informed my account was behind and I explained to them I understand that but I never authorized that amount. They were unable to do anything due to no manager on duty XX/XX/18. I used to work the company about a year ago and I agreed to loan with one of the co owners : XXXX ". I never signed for a credit authorization form though. They were able to obtain my card information from calling payments in the past. I spoke to the manager " XXXX '' and informed her if they could please release my funds back minus the one payment that I was gon na make that day. Total amount I wanted back was XXXX then with another arrangement on Friday the XX/XX/2018. They refused to accept that and I informed them my electricity payment is going through in a few days. They still did not accept nor give me my money back and really put me in a pinch and having to ask family and friends to help pay from my electric bill. I understand my account was behind and I was going to make the payment that day but they decided to debit my account without my authorization. I feel this was a deceitful collection tactic to help their collection numbers. I did not receive any letters stating that I would be debited and why wait so long and not when I was one payment behind. I am not sure they are in the right under the FDCPA to remove my monies without permission and without filing out a credit authorization form or going over the contract in depth if so the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ray Klein, Inc.
State: TX

Complaint narrative:
Clinic : XXXX XXXX Creditor : XXXX XXXX XXXX/Ray Klein Amount : {$3100.00} Judgement court : XXXX County District Court of Washington State Bankruptcy Attorney Lawyer : XXXX XXXXXXXX XXXX I am contacting you regarding erroneous reporting by a collection agency. 
In XX/XX/2016 I discharged in a Chapter XXXX Bankruptcy a medical debt for the Clinic and Collection agency. The debt was listed on my credit report from XXXX-XXXX for {$3100.00}. 
Now that I am applying for a home loan, the collection agency has a judgment reported for the same clinic that was discharged in the bankruptcy in XXXX. 
I have contacted the collection agency and so have my bankruptcy attorney with no prevail to have the judgement removed. 
Per my bankruptcy attorney, Ray Klein was notified, I double checked schedule E/F and they appear there and the court documents indicate they were served. 

What course of action can I take as this is holding up my progress of receiving a approval for my home loan?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Account is showing late payment on credit record. 


Was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had a delinquent account with a credit score. I paid off the account in full in XXXX or so of this year. Filed a dispute they removed where it was delinquent but took my credit score to where it shows I have no score at all. How is it I had a form of credit but one bad mark against me. I pay it off. And it leaves me worse off then having a delinquent account. I thought it was to improve my score not take it completely away.

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 2018-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hunt & Henriques
State: CA

Complaint narrative:
I have been receiving repeat calls from Hunt & Henriques, their staff has been using abusive and threating language. They have called me on XX/XX/2018, XX/XX/XXXX and XXXX, 2018 and XX/XX/2018. Their tonality is disturbing to me. This is the number they call me from ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Account for old car loan that that was paid off has many things on my reports inaccurately. Disputed info over 30 days ago with XXXX and Equifax.. I want to have this account removed from reports. Have screen sots and copies of all inaccurate negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I took advantage of a balance transfer option with one of there checks. They then charged me the balance transfer fee and also interest on top of it. Resulting in me losing {$1300.00} in fees and interest. Bank of America said that the check wasnt supposed to be written out to me for deposit but it didnt state that anywhere and the check in front states to deposit or cash and I did just that. When I tried to get this resolved they said I wouldnt get any refund since I used the check wrong, when I asked for evidence of the legal terms they refused to provide it. Then the crazy thing is that they send me another check offer and it doesnt state not to deposit for myself anywhere.

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