vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
TO WHOMSEVER IT MAY CONCERN : Dear Sir/ Madam, As we were in the process of buying house, there were five individuals that were involved in the process as shown below : ( 1 ) Attorney : XXXX XXXX , Email : XXXX, Phone : XXXX. 
( 2 ) Realtor Name : XXXX XXXX, Email :  XXXX Phone : XXXX. 
( 3 ) Title company e : XXXX XXXX XXXX XXXX XXXX XXXX. , XXXX XXXX XXXX XXXX NJ XXXX. 
Phone : XXXX, email : XXXX. 
( 4 ) Mortgage company : XXXX XXXX XXXX , XXXX., XXXX XXXX XXXX XXXX XXXX NJ XXXX, phone : XXXX Email : XXXX ( 5 ) Buyer : XXXX XXXX XXXX, Phone : XXXX. Email : XXXX ( old ), XXXX  ( New ). 

About one week before the closing I got an email from our attorney which included the wire Transfer instructions as an attachment. During my email conversation, I mentioned that I would prefer to come with certified check instead of wire transfer, but I was instructed to do a wire transfer in order to facilitate a smooth closing. Then I accepted to do the wire transfer on Friday XX/XX/XXXX, but due to my busy schedule at work that Friday, I was unable to do the wire transfer on that Friday. Later, I replied I will do wire transfer on XX/XX/XXXX, Saturday. 
During these conversations, I had found another email sent from XXXX XXXX, XXXX ( the title company ) which was sent to XXXX. That says We would advise to use the attached Chase Trust Account, since our XXXX XXXX XXXX will be going through Bank Audit this weekend to avoid any delay. According to the instructions provided in the attachment from XXXX XXXX email, I did a transfer of {$83000.00} to the chase account provided in the attachment of the original e-mail sent by XXXX XXXX email ID, ( XXXX  ), which was later discovered to be a fraud bank account. 

In Summary, I am a victim of FRAUD WIRE TRANSFER SCAM, in which I have lost {$83000.00} of hard earned money which we had collected in last several years. I would appreciate for you to help me regarding this matter. 

Thanking you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1st Bank of America is the worse amount other major bank to do banking with. 

2nd Especially, with servicing small business 3rd Real scenario, I withdrawn {$2500.00} to pay a client in XXXX, yet find out they only accept Checks, so I wrote the check and leave the CASH in my pocket, and at the end of the day I am dragging my tire body to deposit the CASH back in. However, the check I wrote was bounce. That meant the check goes faster than myself 4th 2nd case, at XX/XX/XXXX I saw there is a check that I wrote trying to go in my SBA acct. which will negative my acct about {$2000.00}. This is at XXXX Pacific time, so I called the SBA direct line, the BOA rep. informed me that I have to bring the CASH in the branch before XXXX, and have to call in to inform them to force it thru without bounce the check. 

Now, all banks open at XXXX so I went to XXXX withdrawn the CASH, go to BOA just a  mile away and deposited at XXXX. 

Then, I started calling the SBA XXXX # from BOA, and also waited in-line for the customer service personnel in BOA, they start service me at XXXX. Helped me calling in their internal banking system, while I still waited with my cell phone trying to get thru. 

They BOA internal people gave the answer to the branch bank " it is passed XXXX there is nothing we can do ''. The banker said they deposited before XXXX just having hard time get thru. 

Now, at XXXX I finally got thru with my cell phone, and asking the same question, the BOA said the same answer, passed XXXX nothing can be done. I told them I deposited before that, and trying to get to you guys ... 

What kind of bank is this .... 

Anyway Name : XXXX Phone : 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 2017-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
XXXX XXXX accounting department is the problem. I paid the supposedly balance of {$600.00}. I have the canceled checks. 
1. XXXX charged for two XXXX surgeries when they could have did both XXXX at once. I paid {$600.00} for the original XXXX. Some months later I get a bill for another {$600.00} for the second XXXX. I made payments of {$50.00} per month. I noticed on statements the amounts never changed. I wrote and called and asked for updated statements. I never received any updated statements. Once I paid the {$600.00} I stopped sending payments. Some months later I got calls from collection agency. I told the collection agent I was n't going to pay because I had already paid and talk to XXXX XXXX 

Dates of XXXX XXXX XXXX XX/XX/XXXX Date of XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
THIS IS NOT A NEW CLAIM I JUST HAD NO WAY OF FILING ADDITIONAL INFORMATION SINCE I DID NOT SEND THE ORIGINAL COMPLAINT TO YOU. THANK YOU. 

Complaint XXXX about Wells fargo XXXX XXXX On yesterday I received a call from the person over the case regarding a letter to the FDIC and it was forwarded to you. He called to say that he needed more time to get more information from the department involved in this. 
He said the new date would be XXXX the XXXX or XXXX. I asked him what information he needed from them and he said information to proceed.I explanied to him that the weather had been pretty bad in Louisiana and with XXXX threatening to dump more rain I wasnt sure if there would be additional damage. Upon origainally speaking with him I told him I was sure termites had come in throught the widow that had issues. 
One of the questions I asked was were we going through this because we were behind in our house note. I explained to them that my hsuband had to leave employment here to go there. It took him a month to find employment. He is doing some very labor intense work so we can catch up on the mortage. 
Today in the mail I received two pieces of mail from Wells fargo. The first was a letter for guidlines for my husband to do the work on a home we paid the insurence on. 
It said that we had to go through this because we were behind in our mortgage. It says we must send them the checks that will send us the money in increments after we provide every manner of support. Including reciepts, checks and other things. 
THIS IS NOT THEIR MONEY. my XXXX no one should have to go through this. I have been displaced from my husband for more then three months. It feels like XXXX all over again. 
We have never filled a claim and we will most likely never again. As I stated someone mentioned to my husband recently that we have been behind several times with our mortgage since XXXX. 
Which brings me to the second letter, one that I can never remember getting, a letter to accelerate the loan or default and be foreclosed on. I think it is very suspect that I make a complaint against them and we have been behind for several months and now we receive this letter dated XXXX XXXX. 
I believe this is clearly retaliation for filing a complaint against them for their practices and the lies that they have told and continue to tell. We are suppose to be a team. But I feel like it is them against us. And we are trying to stay above the water. 

It is now my intentions to provide this information to the media, sadly with this current disaster there will be countless people that they do this too. 
Sincerely, 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 2017-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I am contacting you because I am receiving a debt letter from a company I do n't know or owe money to. I google the number on the notice and it comes up scam. The letter is from XXXX XXXX XXXX in XXXX, WA XXXX phone number XXXX. I never had service from XXXX. It says I owe {$1200.00}.

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 2017-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX 2017 Paypal Decided to put a permanent limit on my account and hold my balance of XXXX even though I was n't in complete violation of their policies, the false reason was because of a transaction of me selling a cream containing hydroquinone to someone in the XXXX when I called the rep and told them to review my account again and go over my transaction history because the claims are false and I already know that creams containing Hydroquinone is illegal without a prescription in the XXXX and XXXX . They refused to reason with me and still shut down my account and refused to let my access from funds to pay off my debts and creditors. 

After numerous calls, they continue to hold my funds. I decided to do my own investigating into the company and notice that in the state of Florida Paypal Holds a Money Transmitter License Type II which was issued to the company the statue that govern that License does not grant Paypal ( The License Holder ) To hold any funds from their customers longer the 10 days, After reading more into Paypals Holding a Balance Policy I notice that in event of the companies Bankruptcy their not obligated to make the funds available to their ''creditors '', I see this as abuse of power and their laws are very draconian to both consumers and business owners and slows down the economic growth of businesses especially small local business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX and Equifax continue to publish a collections in my name. Experience deleted the inaccuracy due to identity theft. I wrote to XXXX XXXX and XXXX XXXX and they have not blocked it from my report. I 'm a victim of fraud and have had great difficulty obtaining credit as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Forgery of XXXX certificates of my XXXX children XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) with the City of XXXX and XXXX XXXX XXXX for a mortgage loan at XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Please refer to my original complaint regarding Ditech : complaint XXXX ( this should have never been closed as it has yet to be resolved ). I have yet to receive an explanation as to how they received a copy of an auto loan agreement I had with XXXX. I have yet to receive their business license number to practice in the state of California. I have yet to receive a copy of the notice they have provided to all credit bureaus indicating late payments are to be reversed. Since my complaint indicated above, Ditech has provided a notice of servicing transfer dated XXXX XXXX, XXXX to be effective XXXX XXXX, XXXX. I have never..ever.received such a short notice ( please see attached ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX ACCOUNT XXXX FROM WELLS FARGO WAS OPENED BY ME AHEAD OF MY MOVING TO TEMPORARILY LIVE WITH MY SISTER IN NORTH CAROLINA XXXX WELLS FARGO REQUESTED MY SOCIAL SECURITY CARD COPY FOUR TIMES, FIRST REQUESTING I FAX IT TO A NUMBER IN XXXX, THEN THREE ADDITIONAL TIMES TO A TOLL-FREE NUMBER. EVERY SINGLE TIME, THEY CLAIMED TO HAVE NOT RECEIVED IT. THE FINAL TIME, I FAXED IT FROM MY MOBILE PHONE USING XXXX AND SENT IT EIGHT TIMES TO ENSURE THEY RECEIVED IT. UPON RECEIVING THE CARD, I DISCOVERED IT WAS INACTIVE AND UNABLE TO BE USED. WHEN CALLING WELLS FARGO ON X/XX/2017 AT XXXX HRS AND THEN AGAIN AT XXXX HRS, THEY REFUSED TO CLOSE THE ACCOUNT UPON MY REQUEST. WELLS FARGO REPRESENTATIVES RESPONDED WITH " YOU HAVE TO SHOW YOUR ID AND FIVE FORMS OF ADDRESS VERIFICATION TO CLOSE THE ACCOUNT AT A WELLS FARGO BRANCH ''. AFTER INFORMING THE REPRESENTATIVE OF THE CARD ACT AND THAT THE LENDER ( WELLS FARGO ) IS OBLIGATED TO CLOSE THE ACCOUNT WHEN THE CUSTOMER REQUESTS IT, THEY REFUSED. I HAVE A WELL ESTABLISHED RECORD WITH XXXX, XXXX, XXXX XXXX AS WELL AS XXXX XXXX AND HAVE NEVER ENCOUNTERED PROBLEMS AS I AM ENCOUNTERING WITH WELLS FARGO.

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 2017-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust, XXXX XXXX XXXX, XXXX, VA XXXX {$330.00} XXXX penalty for the following violations : Mistaken identity claim effective XXXX, mail fraud penalty of {>= $1,000,000} for XXXX XXXX XXXX, XXXX, VA XXXX, equipment leasing fraud with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and attempt to purchase homes with fraudulent documents with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX of Dividend History ( XXXX adjustment ) and XXXX XXXX  reporting, {$220000.00} 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 2017-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I made 3 deposits to the company Coinbase to purchase digital currency ( Bitcoin, Ethereum, and Litecoin ) in the amounts of {$160.00}, {$100.00}, and {$160.00}. I left the money in my coinbase account and did n't use my account. 

On XX/XX/XXXX, I attempted to log into my account and got the message " Sorry, your account has been temporarily disabled and please contact support. '' I contacted their support team and got the response, " Hi there, I sincerely apologize for the delay. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. '' I followed up with their customer support team on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response. I feel like coinbase has scammed me out of my money and have not  received a response to my concerns. Is this even a real company or just stealing people 's money?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have federal student loans, which are serviced by NAVIENT. The monthly payments are due the XXXX of each month. I have an automatic payment from my bank set up to arrive at NAVIENT on the XXXX of each month. 

In early XXXX XXXX I got notice that I had " missed a payment ''. I checked my NAVIENT account and found that NAVIENT alleged there was no XXXX XXXX payment made. In checking my bank account I found that the payment had been made on time and the funds taken out XXXX XXXX. I called NAVIENT and a customer service person politely told me that they could not help me and directed me to the NAVIENT website where I could upload document proof of the payment, which I did. 

Today ( XXXX/XXXX/XXXX ) I checked my NAVIENT account and find that NAVIENT is now alleging I did not make my XXXX/XXXX/XXXX payment. Again I checked with my bank and have documentation NAVIENT cashed the bank check on XXXX/XXXX/XXXX, yet 4 days later they claim to not have received payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX XXXX XXXX MN XXXX XXXX XXXX TX Navy Federal FCU placed 2 inquiries instead of 1 XX/XX/2017 Re : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.

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 2017-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, To whom who may concern : my name is XXXX XXXX. I attended XXXX College and they took me in without asking me for my High School Diploma. I thought that was very wrong for them to do that. Also, they have never helped me find a job after I XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX XXXX in XXXX Arkansas sold me a XXXX XXXX and could not fix the leak in the XXXX  XXXX had it a little over a month and it had been in there shop 4 times and still leaked The service manager XXXX XXXX told me that the hole i could stick my hand in was normal and XXXX percent of XXXX leaked i had to XXXX the car and tell him the fifth bow was bent Anyways XXXX XXXX  the salesman i delt with recomended getting a new car to fix problem. I took the bait. XXXX informed me XXXX the main manager and the others were doing my paperwork while i drove the new XXXX I left thinking that new XXXX dollar XXXX i got for XXXX for all the trubble. I soon realized that i had it crossed and i was paying XXXX dollars on the XXXX they couldnt fix ive been back to get no help they XXXX me and my wife up and are taking money they dont deserve plz help us these guys are crooks and liars in suits

Company response to consumer: Closed with explanation