vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-09 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On or about the middle of  XXXX  I immediately notified Sun trust Bank of unauthorized charges with my debit card in the amount of {$8100.00}. I filled out the proper forms required. Afte r 10 bus iness days they denied my claims and did not refund any money. Upon receiving the denial notices I immediately followed their procedures again and filled out their rebuttal forms as to why my cases should be reconsidered. After another 30 days of waiting they gave me credit for  XXXX  charge {$250.00} out of approximate  XXXX  disputed charges. All charges had the same or similar description just different amounts. I am still out {$7900.00} approximate that still needs to be refunded. How the bank comes to the conclusion that I did n't authorize the  XXXX  charge they gave me credit for, but says I 'm responsible for the remainder of the charges is quite confusing since all the the charges had the same description which I did not authorize. The documents are attached for your review from sun trust bank. I simply want my money back. Thank you for your time and help.

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 2017-05-09 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: Monterey Financial Services LLC
State: FL

Complaint narrative:
On line purchase from   XXXX   XXXX   purchase  XXXX / 17  Charge to my   XXXX   XXXX   {$63.00} This amount included {$19.00} for  30 tr ial  P & H cha rge of {$29.00} tax {$13.00} The cancellation for the item was placed on the   XXXX /17    XXXX   XXXX   received their product back at the  XXXX  GA  location   XXXX /2017    XXXX   XXXX  I was billed twice to my checking account    XXXX /2017   and again  X/X/  2017  in the amount of  XXXX . I have spoken to   XXXX   XXXX   and their finance    Company Monterey Finanical over a ( 2 ) month time frame without resolve.      Illegally charged without my written express permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On Saturday   XXXX   XXXX  , I agreed to transfer tickets to someone for a concert in  XXXX , FL. The agreed upon price was {$1600.00} for  four tickets. The buyer wanted to send me payment via VENMO, which is marketed  by the company to be a safe and secure way to send money easily fro m one perso n to the other. In my previous experience of using the app, I agreed with this.     The person sent me  eight  {$100.00} transactions and  one of  {$800.00} for a total of {$1600.00}. The VENMO app then reflects the amount that you have in your VENMO account in green font and with a plus sign- example : + {$1600.00}, therefore, it APPEARS as if you have instant money. You then have to transfer the money to your bank account which takes  2-3 day s.     It is not until the transfer process begins that VENMO actually begins to verify the funds. I contacted them via help chat expressing my concerns that I was possibly scammed and was basically told to just wait and see what happens to see if the money goes through to my bank. I then received an email from VENMO abou t 2-3  days after the transaction basically informing me that I had been part of a scam and that they were n't at liberty to say how I was scammed but that I indeed was part of a scam, there was nothing that they or I could do, it also said to basically be careful next time, only use the app with people that I know, and that I was out of luck to recover my {$1600.00}.     After complaining to VENMO and demanding they remedy this issue, they responded back by saying they will be permanently deactivating my account, will not offer anything, and will not answer future inquiries.     My main issue/grievance with VENMO is that they are very deceptive in their marketing tactics and exactly how the app works. The " money '' shows from one user 's account to the other " instantly '' and appears to be clear and readily available for transfer to the user 's bank account.     I want VENMO to be more transparent in how the app works and I want them to make me whole again by providing remedy to me in the amount of my loss, which is {$1600.00}.     Thank You,  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 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Our XX/XX/XXXX statement inaccurately indicates a past due amount of {$140000.00}, and erroneously stated we have not made any payments on the account since XX/XX/XXXX. The attached Trustee Ledger of payments to Wells Fargo Mortgage during Case number XXXX was {$75000.00}, which to date has not been credited to the account, while Wells Fargo Mortgage and the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX via Attorney XXXX XXXX is moving with lighting speed to unlawfully foreclose our home without providing us the correct and true amount that is past due. We have submitted numerous Qualify Written Request ( QWR ) Pursuant to 15 USC 1692g 809. Validation of debts and California Rosenthal Fair Debt FDCPA requesting the following documents in order to validate what is actually owed on our account prior to Wells Fargo Mortgage proceed with foreclosure on the property to no Avail : ( 1 ) Account Payment History from XX/XX/XXXX thru XX/XX/XXXX. ( 2 ) Reinstatement Work Sheet ( 3 ) Detail documentation as to how the {$75000.00} from Chapter XXXX Case NO : XXXX was apply and credited to our account. ( 4 ) Any and all charges for delays posting our payment to the account. ( 5 ) Any assesses an incorrect late charge amount. ( 6 ) Any pyramids late fees ( Pyramiding occurs when the loan servicer takes the assessed late fees from the regular payment and leaves part of the scheduled payment overdue ) .as Federal regulations and California State law, and mortgage contracts prohibit this practice.

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 2017-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My issue is with the holder of my FHA mortgage lo an, Chase Mortgage. They have switched me from one contact to another and from  department to department. They have told me they would work with me after I missed some mortgage payments, then when I tried to get help gave me the runaround. After they finally completed a review based on outdated information they told me that if my situation changed that I could be reviewed again. After my situation changed I began trying to get them to open a new review, but have not been able to make any progress. Instead of being reviewed for FHA homeowner assistance programs I am going into foreclosure.     My father in law bought this home in  XXXX  and the following year I was able to qualify for this FHA loan to purchase the home and put it into my name. My wife and I live here with our  XXXX  children. I had worked for many years running a food truck, but this was a very seasonal business and it was hard to stay afloat. I began missing mortgage payments in  XXXX  and reached out to the team at  Chase for help.  They told me I could apply for a modification, and I completed all of the paperwork and submitted it, but was later told it was denied due to insufficient income. A few months ago I changed professions and started working as  a contractor. My wife has been employed as a literacy coach for 10 years and she makes a good wage. The self-employed contractor job was very slow at first for me, but now things are going good. I have tried to get Chase to take another look at our current financial situation but have run into roadblocks. My designated contac t changes every few weeks. An actual review of the last few months financial information has never been completed by Chase, and I just get the runaround when I call in.     I am now being pushed into foreclosure by  Chase, and feel this is wrong, because Chase is required to conduct a review of my  current and correct financial information in order to assess eligibility for all FHA government loan programs such as modification, partial claim, forbearance, repayment plan or restructured loan.     I am trying to get  Chase to work with me and follow the rules and escalate our file and initiate a review so that we can get back on track with our payments. With the changes in our financial circumstances I am certain that we qualify for assistance, the issue is that Chase has f ailed to give us that chance, and this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
my name is  XXXX   XXXX  I had got my bag stolen and I call the rush card to cut the card off but they left it on and except my money any way and now I do not have  XXXX  payment and I am stranded in  XXXX  Ohio with nothing. I call them and I talk with rep and they told me that they closed out my account they left it open and I do n't know what to do please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Student Aid (USA) Funds
State: WA

Complaint narrative:
I guess I 'd better get this in before you 're gone ....   A person with a similar name,  XXXX   XXXX   XXXX ,  XXXX  has  XXXX   XXXX  debt that has been in collections for years. About 5 years ago, my address became tied to his name. Not only  XXXX , but the  SSA ass umes I 'm him. Because this debt is so old, ( and never dies ), the paper on it is spread far and wide. As a result, I receive multiple calls each day from various deb t collectors tryin g to get {$250000.00} out me. The  SSA/Treasury Dept.  even sends me regular notices informing me that " my '' check is being garnished ( For all this hassle, it would be nice to get what 's left ). Of course, they must be sending the actual checks to a bank that has his address or to his home.   I of course have made multiple calls to all of the relevant agencies to get this straightened out. The reason I do n't get anywhere  is simple-CATCH-22.  They wo n't help me because I 'm not him, and only he can interact with them on this account. I have insisted on talking to supervisors, begged, etc to no avail. Once a supervisor at Treasury said the most they could do was put me a do not mail list. Not so much.   You might ask why I do n't just tell the debt  collectors that I ' m not that guy. I used to, but the paper is just resold almost immedia tely. Anecdote : on  e interaction  about 3 years ago, I had a supervisor in debt collection office and told him I would n't give him my social because they would just sell the paper right away. He said just a sec, looked up something, and said " I think you 'll get a couple months ''.   Two weeks later I was being hounded again.
Can you help? ( I 'm begging again ) I 'm sending pdfs that have the relevant info on them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due   XXXX  ,  XXXX ,  XXXX , 60 days  XXXX , 30 days  XXXX ,  XXXX ,  XXXX ,   XXXX  ,  XXXX ,   XXXX   through  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
On  XXXX / XXXX /   2017  I filed a complaint against a company. You assigned it case number  XXXX . On  XXXX / XXXX /   2017  you sent me an email with the status indicating that the company has replied to you. Howevere, they replied that they will investigate and get back to you and me. As of this day I have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I am a resident of California. I had received notice from my mortgage company XXXX XXXX XXXX XXXX that my home was being foreclosed on with a sale date in XXXX. In XXXX of XXXX I applied for a loan modification for my home mortgage. CMG confirmed they received my loan modification package and postponed the sale date until XXXX XXXX, XXXX. Since applying for the modification I have contacted the XXXX XXXX on a regular basis : at least once a week, sometimes more and have provided all documents they requested. Currently no decision has been made on my account and they have not removed or postponed my sale date. I understand that a sale date held concurrent with a loan in the process of being reviewed for modification is illegal in California and called dual tracking. This dual tracking has continued throughout the processing and review of my my application and XXXX XXXX refuses to acknowledge that this is illegal and remove my sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo discontinued the Nevada  Unemployment program and advised ( in a letter ) that all remaining balances would be send via check. Prior to the program ending I changed my address with Nevada  unemployment to my Ohio  address. After not receiving my check I walked into a Wells Fargo branch and they could not help me so I called on X/XX/17 and inquired, only to be told it was send to the old and inaccurate address. I was also told it would take 10 to 30 days to replace the check and it would be sent to my new address, XXXX XXXX XXXX XXXX, Ohio  XXXX. I called Wells Fargo today and immediately received a rep and they said I have to transfer you to a level 2 representative. I have been on hold over 45 minutes. Fortunately I am back to work and can wait on these funds but I ca n't get anyone to tell me what is going on. I would like my remain balance ( somewhere around {$1300.00} ) IMMEIDATLY and am requesting interest since you are holding my funds. In addition I would like a call so I can arrange to pay off my Wells Fargo credit card, close my checking account and I will arrange to move my mortgage. This was my first experience with Wells Fargo about a year ago and unfortunately it has been very poor. I am also filing a complaint with the CFPB. I finally talked with someone at the company and they said I would receive the funds but now there is no timeline. They cant hold money they owe me XXXX, if I owed them money and I was n't paying back, I would get calls everyday.

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 2017-05-09 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: FL

Complaint narrative:
I dispute these Items in the month  XXXX  Equifax did not compile with the State Attorney General Settlement Agreement  and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I have the right to demand that  you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required und er Section 611   ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness.     According Sectio n 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclo sure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than  five  days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On  XXXX / XXXX / 2017  I went to a  CitiBank  Branch at  XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX . I attempted to deposit cash into my checking account via the ATM. I made the first transaction a deposit of {$600.00}, I then deposited an additional {$180.00} into the same ATM  (  ATM #  XXXX  ). Instead of the ATM depositing the money into my account, the machine gave me a receipt stating " I 'm sorry, Because of technical problems, I ca n't return your cash right now. '' I immediately went inside of the bank and spoke directly to the ban k manager telling her what had happened and asking for her help to get the machine to eject the money back out. The manager sa id that she could do nothing and the machine would be locked until that Friday. The manager had me call a  XXXX  number on the back of my ATM card. with the receipt information. I called that number shortly after and was told that they are opening a case file and that I should call back the next day. The back manager also wrote the missing transaction amount on the receipt of {$180.00}.     I called back the next day and was told that it could take a few more days, each call back since  XXXX / XXXX / 2017  I have been given the same run around. Today when I called in I was told that the investigation would take another 30 days at least and to watch my email for the results. I have called in many times, and never get results. I feel that the companies plan is simply to make me wait until I give up, or I loose me legal options. For me the loss of {$180.00} is a lot, that is a bill or  XXXX  that can not be paid, or food that I can not buy. I really need help getting this resolved quickly.

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 2017-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I received a letter dated  XXXX   XXXX ,   XXXX  , from Moss Law Firm , P.C . attempting to collect an alleged debt which they claim I owed to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . The letter claimed that failure to dispute the debt within 30 days would result in an assumption that " the debt is valid ''.     On  XXXX   XXXX ,  XXXX , I sent to Moss Law Firm, P.C., via Certified Mail Return Receipt Requested, a letter demanding strict proof in the form of my actual signature on an application for credit and/or an agreement for credit. The letter was delivered to Moss Law Firm , P.C . on  XXXX   XXXX ,   XXXX  .     On  XXXX   XXXX ,   XXXX  , Moss Law Firm , P.C . sent me a letter stating that they had " not had sufficient time to investigate this matter and were unable to verify the debt at this time. '' That letter arrived  XXXX   XXXX ,   XXXX  .     On  XXXX   XXXX ,   XXXX  , I pulled each of my  XXXX  credit reports and noticed that the alleged debt had not been marked as " disputed '' under the requirements of the Fair Debt Collection Practices Act and Fair Credit Reporting Act, as well as the laws of the State of Texas.

Company response to consumer: Closed with explanation