vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint against Experian. 
I received a letter from the above mentioned company dated forXXXX-18. Stating that the credit reporting agency refuses to re investigate a dispute filed on my behalf. I have previously requested for Experian to provide me with their method of verification for the accuracy of a claimed debt into my credit file. Experian replied to my request with a letter referring me to review my credit report. In which, my credit report does not indicate Experian " METHOD OF VERIFICATION ''. It states who the creditor is and their contact information. That is not a method of verification. There is no person contact name listed in which the debt was verified with and I was not provided with any documentation that was used to verify the disputed information. This has been an ongoing issue with Experian. I am asking for Experian to be investigated for not complying with the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). It is my right under such legal act to be provided with appropriate documentation by the credit reporting agency of verification. It has been over 15 days since my original request and as of today Experian has failed to provide documentation of verification.

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 2018-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a phone call from Western Finance of XXXX, Georgia, at XXXX. I told the representative that payment would not be made today, however, payment would be made on XX/XX/XXXX. The representative, XXXX, immediately hung up. Approximately two minutes later, XXXX called. She told me that it is my responsibility to pay my bills. After repeatedly asking if I could make the payment, and refusing to allow me to speak with the office manager, she too, hung up on me. I have done business with this company and never been responsible for a late payment. Due to medical reasons, which are documented, I needed to delay payment by 8 business days. I was talked to as though I am less than human, called repeatedly, and hung up on. These practices are unprofessional, as well as predatory. I would not recommend doing business with this company in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XX/XX/2018, I asked Citi Bank to fix the problem of it charging me $ XXXX monthly service fee on my checking account. They said that they converted the account to one without a monthly service fee. However, they never converted it and continued to charge the monthly service fee. When I called today, they said that the conversion just didn't go through and they need to get a branch to approve. Then they said that a customer service representative held the conversion from going through with no explanation. I fear that they never did anything and hoped that I wouldn't notice the $ XXXX monthly service 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 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
Around XX/XX/XXXX I opened a credit account with the Army & Force Exchange Service ( XXXX XXXX XXXX ). The account was initially in good standing but was eventually charged off. Of course I was aware of the debt but was unable to pay due to my financial circumstances. I never received any debt collection notices from AAFES. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran and I receive benefits from the VA and social security benefits. When I began receiving social security XXXX benefits in XX/XX/XXXX, AAFES began garnishing {$140.00} a month from my pay and never sent me any notice or statement. I had to contact them to receive a statement. Since XX/XX/XXXX, I have not received any correspondence from AAFES. According to the only statement I received my initial balance was {$2700.00}. Between the date of the initial balance and XX/XX/XXXX AAFES has charged me close to {$3300.00} in interest charges. 
I contacted AAFES to attempt to settle this account on XX/XX/XXXX and was told by the representative to email back on XX/XX/XXXX to see what can be offered. I explained the desperate situation I was in with my family and finances and that it was urgent that this account be settled. I waited as instructed and then was told by the initial representative and a member of management that they will not offer a settlement on my account because they are receiving treasury offset payments ( that guarantees collection of the total balance ). As stated previously, I am a XXXX veteran on a fixed income and the unfair collection of this debt is creating a hardship on me and my family. It is also absurd to be collecting over {$3000.00} interest charges which will continue to accrue while collecting my treasury payments. I made several attempts to contact this company and they refused any resolution.

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 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CO

Complaint narrative:
On Thursday XX/XX/XXXX at approximately XXXX I went to my local XXXX XXXX XXXX branch ( XXXX XXXX XXXX, XXXX CO XXXX ), which has an ATM in an enclosed area attached to the bank. I made a {$100.00} withdrawal and remember fumbling with all of the cards in my XXXX XXXX wallet. I don't think I grabbed my money because when I got home I did not have it. I ran right back to the location, which is two blocks from my house and there was no money so I assumed the machine sucked the cash back in. I don't wear particularly baggy pants or shorts ever, so it falling out in the two blocks is very unlikely. I took out another {$100.00}. On Tuesday XX/XX/XXXX, I went to the branch and spoke with XXXX XXXX Sales and Service Manager. She initiated an internal dispute on the transaction and told me they would review the camera, the balance report from the ATM ( she said the ATM machine was separately owned ) and get back with me. I got a perplexing letter dated XX/XX/XXXX on the XX/XX/XXXX of that month stating that " no errors occurred with the transaction ''  and that the claim was being closed. I called customer service the next day for an explanation. I was bounced around several times between customer service and the fraud unit before I requested an escalation to a supervisor. XXXX employee # XXXX said she would correct the issue and ask the " ATM Regulation E Department '' to take another look. On XX/XX/XXXX, I received another letter stating that they got a duplicate request and would continue looking into the request. I called again on XX/XX/XXXX, to see what was going on and see if they were looking at it and if they needed anything from me. All they need to do is look at the camera and tell me if it was taken or sucked back in. If someone took it its my fault and the case is closed, but they will not tell me or give me anything. The last call on XX/XX/XXXX I asked for a supervisor callback and have received nothing. This is a customer service disaster on US Bank 's part, and I am beginning to think they stole the {$100.00} from me. CFPB please look into these unethical and illegal business practices.

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 2018-06-08 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: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
I took out a loan from Tower Loan from a company who offered financing for furniture. I always speak with an employee named XXXX. I told her back in XX/XX/XXXX she could send the account to collections on MULTIPLE occasions, which she refuses to do so that the account continues to add interest. So out of fear of having a quadrupole balance I began to pay it down again. On XX/XX/XXXX, she called me at work ( and I have already asked on MULTIPLE occasions to NOT call me at work and the gentleman XXXX response was that my supervisor had to tell him, which is absolutely not the case in Illinois ) and told me I needed to make a payment. I told her I would make one on XX/XX/XXXX. She asked if the account would be paid in full and asked what the bakance would be and she replied {$190.00}. I said o.k. called today to pay the {$190.00} and she replied that the account balance is now {$210.00}. Late fees do apply, but she did not state that if it were paid on the XX/XX/XXXX what the actual balance would be. The late fee is {$10.00} a month so {$190.00} still makes no sense and attempting to speak with XXXX is impossible. She just yells and screams while making threats to take the furniture from my home all the while never listening to my concerns or questions. AVOID TOWER LOAN LIKE THE PLAGUE!!!!!

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 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
House was built new and purchased in XX/XX/2008 for {$180000.00}. The mortgage was purchased and moved to Bank of America from the original loan company. I refinanced for a lower rate with Bank of america a few years ago. Currently my balance is {$130000.00} and the value is {$200000.00}. The LTV rate is 67.8 % but Bank of America refuses to remove the PMI. Every time I contact them they send me a packet of paperwork showing that I have to pay over {$500.00} for an appraisal before they will remove the PMI. A banker at Bank of America even mentioned that their internal proprietary database shows the home value is {$200000.00}.

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 2018-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
The first year of my mortgage I paid a different bank approx XXXX $ a month. Exactly 1 year into the loan I was sold to M & T, the first month went over fine at the XXXX, the next month I was bumped up to XXXX, I figured it was just taxes increased for the year and I wasn't happy but bought their story. The next year, my escrow apparently had a shortage, I looked into it and found it was an error of the county and quickly rectified it, I even received a tax refund for it. I contacted M & T to correct this and they informed me that they will only provide an escrow analysis once a year in XX/XX/XXXX after the county provides them with the new bill in XX/XX/XXXX.

I contacted the county assessor and they bill in XX/XX/XXXX, you know the government end of fiscal year, and also we're willing to provide me certified statements of my correct tax bill. I was excited with this news and called M & T back to have it fixed ... They gave me the same story, that they only review escrow in XX/XX/XXXX ... Now I asked to remove the escrow since obviously I seem more capable of handling my own taxes, I submitted the form hand signed and to the exact fax number and person they instructed me to, I even placed contact information in the case there was a problem, no on called so I figured it would be solved by the end of the month ... Nope. Another {$1600.00} bill from M & T, I called and asked what's up, they informed me, a month later, that my request was denied. Of course I questioned this and after several holds and transfers they came back stating it's part of my contract and can not be removed. Well I then researched my loan, no mandatory escrow for my loan at all, I even contacted the VA to verify this. I called again and was given the same 2 answers, no we will not remove it and no we will not re-evaluate it. 

Now I am seeking an attorney to help rectify the situation since apparently I am not the only sucker sold out to this criminal group. What steams me the most is they told me " don't worry you'll get any overage back in XX/XX/XXXX of next year '' ... Don't worry? My mortgage payment is almost {$500.00} more a month than the agreement I signed, I am going out in a limb here and saying if anyone in the general population is hit with {$500.00} extra a month, that is going to cause serious damage or hardship. Where do these people get off at thinking they can hold onto approximately $ 5-6000 for a year ( most likely earning interest ) and it's ok because they'll return it in one years time.

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 2018-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank in XX/XX/XXXX my wife had XXXX XXXX my son ask her to take a loan so he can buy a house she thought she was going to XXXX soon thinking the loan would be forgiven when she XXXX, she XXXX XXXX on XX/XX/XXXX the day after XX/XX/XXXX the amount maybe {$40000.00} or {$50000.00} I did not know the right amount or the date Wells Fargo would not tell me anything about this loan because my signature is not on this loan the balance is {$39000.00} as of XX/XX/XXXX in XX/XX/XXXX maybe in XX/XX/XXXX I get a call from Wells Fargo telling me the loan payment is late they did not know my wife pass away so he tells they need to get the payment of {$110.00} if they did not get it they will foreclose and get me out so I started making payments the payments just keeps going up & up in XX/XX/XXXX my payments are {$160.00} they told me if I take possession it will be a 2 % loan and my payments will stay the same at {$170.00} so I said ok and I really can not afford I live on a small SS check I have no other income or any saving account. 
Help me Please Thank You

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 2018-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) sued me for breach of contract in XX/XX/XXXX. On XX/XX/XXXX, they filed a Motion for Summary Judgment with an attached " Affidavit and Verification of Account '' to support their claim. The Affidavit was signed by XXXX XXXX, a supposed " Legal Case Manager '' with Transworld Systems Inc., a subserver of XXXX hired by XXXX XXXX in XX/XX/XXXX to service XXXX loans. 

Following a brief inquiry into XXXX XXXX, I can across four ( 4 ) different signatures on four ( 4 ) different affidavits filed in similar lawsuits ( see attached ). 

Because XXXX is unable to prove they are actually the owner of my loan or any of the other loans they sue to collect, they rely on these affidavits to bolster their claims. However, the affidavits are a fraud. These sort of deceptive and illegal practices are harming tens of thousands of current and former students across the country and it must be stopped. 

Finally, the documents to which XXXX XXXX attests were not even created by XXXXansworld Systems. Rather, they were created by XXXX XXXX XXXX over 5 years before coming into the possession of Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I sent {$900.00} to my brother-in-law from my checking account with BB & T using XXXX. He immediately received a notification from his bank, XXXX XXXX XXXXXXXX, about the money. On XX/XX/XXXX I sent {$550.00} and again he got a notification from XXXX XXXX  XXXX. We tried to download the XXXX app on my b-in-law 's behalf but got a reply of " alias duplicate registration ' '' several times. I called XXXX. Their Customer Service told me that I had to check with my bank so I called BB & T. The response I got was not to worry, that if he didn't claim the money, it would return to my account after 14 business. Meanwhile, we called XXXX XXXX XXXX, who turned us back to XXXX, and XXXX to BB & T. 
After several days of waiting, probably more than 10, XXXX XXXX XXXX mentioned that the phone number I used, and my brother in law got it from XXXX in XX/XX/XXXX, had previously been used by a customer who had an account with XXXX XXXX XXXXXXXX, to receive money thru XXXX. I inquired about the name and they said they couldn't provide because of privacy laws. I demanded that BB & T started an investigation. On the phone they said they couldn't do anything to help me. The woman who I spoke to tried to say that if I mistyped the phone # or the name, it's my responsibility. However, that's not the case, both are correct. The banks claim they can't release the name because of privacy laws but XXXX XXXX  XXXX failed to verify that the name of the payee was not who I sent the monies to. BB & Tsent me a form with some questions to answer. It arrived very late so I brought it in person to a manager at  the BB & T branch in XXXX NC. He notarized my signature and took the letter to send with their internal mail. But nothing else was informed. 
I don't want to be left in the middle. If BB & T endorses XXXX for money transfers, which they do in their literature and as a big slap in my face ... When I called and was on hold for more than 30 min, all I heard over and over, was how secure and fast and this and that XXXX is. But there was obviously a big flaw in safely transferring your money. 
I DEMAND THAT BB & T, XXXX AND XXXX XXXX XXXXXXXX, RETURN MY {$1400.00} IMMEDIATELY.

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 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
This company Transworld Systems Inc continues to call me and my little brother, too. They claim I have a debt, and I have asked them to provide documentation showing the debt. Yet, they continue to call and harass me and my little brother, and even admitted to using an automated dialer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX does not have a surety bond to collect in state of XXXX. They are calling and harassing me in regards to a Debt that is fraudulent and I do not have any knowledge of. I have filed complaints via email with the CEO XXXX XXXX of Experian. I submitted my fraud affidavit as well in the email, but I have yet to receive a response. I also filed complaints with the attorney 's general office of XXXX and XXXX. I have also filed complaints with the XXXX financial regulatory in regards to this matter. Experian and XXXX XXXX XXXX is in violation of the FDCPA laws and also section 605b. I have hired a consumer attorney and I have kept records of all of the my complaints that have been made.

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 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
XXXX XXXX XXXX has been trying to collect a debt that I do not owe. I recently checked my credit reports and it seems that it was a XXXX account that I had back XX/XX/XXXX. I had a prepaid account and did not have a contract with XXXX. I stopped using XXXX services XX/XX/XXXX. All phones and equipment was paid in full and cash Back XX/XX/XXXX. Now it shows that I have two accounts with XXXX one where I owe {$190.00} and the other states that I opened the account XX/XX/XXXX and owe {$780.00}. I do not owe any moneys to XXXX or XXXX XXXX XXXX for I never had any contracts and paid all my equipment in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX, Credit Management Services ( CMS ) sent me a notification of a debt. On XX/XX/XXXX, via USPS certified mail, I sent a request of debt validation ( letter attached ). On XX/XX/XXXX, I received a certified letter from CMS containing a summons, stating that CMS has filed suit against me in XXXX County ( Nebraska ) Court. The court assigned case ID XXXX XXXX XXXX. To date, I have not received the requested and required debt validation from CMS.

Company response to consumer: Closed with explanation