vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
I tried to add money to my account at transferwise.com ( created through the US part of the company ). I tried to add XXXX ( XXXX kroner ), and their website clearly states that the money " should arrive in 4 minutes. ", with no " but '' or " estimated time, may very '' or other similar qualifications. The money was to be added from my bank account in XXXX. ( I am a citizen of XXXX but have studied and worked in the US, and I made the transferwise account while in the US ). 

I used the " trustly '' option to add money to my account. ( trustly is the external service provider that transferwise uses to transfer the money ). 

I transferred the money on XX/XX/XXXX, and after making the transfer - the money having been drawn from my bank account in XXXX - I am told that the money will actually not be available until XX/XX/XXXX. 6 days, not 4 minutes!!!!!! I have contacted the company 's customer service and asked them to do something multiple times, e.g. provide me a temporary credit / access to the funds before the arrive on the XXXX, but they have repeatedly declined this. They are telling me that the transfer will be slower than promised as a result of banking holidays, something that transferwise 's website did not inform me of. 

During my interaction with the customer service they repeatedly said that the money has been transferred to trustly and that they can not do anything as the money is now in the hands of trustly. I have not made any agreement with trustly, only with transferwise.com, so I do not see how it supposed to be my responsibility that trustly does not deliver the money as promised when it is transferwise that has promised me a delivery time of 4 minutes. If transferwise uses a third party to handle the service, and the service is not up to standard, then it is not fair ( and probably illegal ) for me to suffer as a result. 

What fraud! I am very angry. It is misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
I was contacted by letter from a XXXX XXXX XXXX by the name of ( Offices of XXXX and XXXX ) This indicates the office is located in XXXX, CA. XXXX and has a phone # of XXXX. 

The letter was not certified, and came through normal mail. The letter starts by saying ( NOTICE OF INTENTION TO FILE AN I.R.S. XXXX FORM. 

It's obvious the letter is a strong arm tactic to get me to pay them {$410.00} on a debt that was charged off on XX/XX/2007. It states the original creditor is XXXX XXXX. They provide no real documentation that this account existed or that it was charged off. They state the original charge off balance was {$780.00} and with interest the amount is {$850.00} Then states the total amount owed is {$1600.00}. 

They provide an account number that I can't verify it existed. The later states. XXXX and XXXX are willing to offer you two lower settlement options then what's owed to the IRS. This is a one-time offer and our last attempt to settle this account before submitting a XXXX to the I.R.S. 

I do know that I settle with a collection company once and will get copies of that from the lawyer I used. I also know that I was contacted by several credit company 's who purchased the debt and tried to collect after settling with that particular company. 

I don't understand how they can simply send out a letter with numbers attached and that is supposed to be satisfactory validation that you owe them money. I don't like that fact this is a strong arm tactic. No different then I am going to tell the police you punched me and unless you give me money I am going to call them. If I owe taxes on a debt that wasn't paid back, shouldn't I have received the XXXX form the year is discharged. which according to them is XX/XX/2007. Why wait almost 11 years. 

In one of the boxes it says they have a federal identification # of XXXX. I think this is unfair collection attempt. If I owe the government taxes, then I should have to pay the taxes once I get legal notice from the I.R.S. not a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX is reporting FOUR collection accounts under my credit report. My SS # is XXXX, XXXX XXXX, DOB- XX/XX/XXXX.  There are no account numbers reported The balances are {$290.00}, {$94.00}, {$99.00} and {$280.00}. This compnay called me ONCE over these accounts, I disputed these accounts right away! Two accounts were paid and setteled and teh other two I paid through my HSA!!!!!!! I asked for proof of what I am now being billed for and they never sent it!!!!! They are in violation of FDCPA 1692 ( g ) ( a ) and ( b )!!!!! My credit score has gone down 115 points due to there inaccurate reporting!!!!! These debts are not owed and they never sent me proof of what I am even being billed for before they reported these accounts to the bureaus!!!!!!! These Four accounts needs to be removed from collections under my credit reporting!!!!

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 2018-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
In XXXX, I received a $ XXXX personal loan from USAA that offered a low interest loan to new XXXX XXXX. I paid on time every month however got behind around XX/XX/XXXX however still made small payments ( less than monthly minimum of about {$450.00} ). Without warning or negotiation, my loan was closed or charged off with an approximate balance of $ XXXX in XX/XX/XXXX. I communicated with the collection company USAA has sold my loan to and have made a couple payments. 

My issue is, I had an XXXX card with a $ XXXX limit, {$500.00} balance as of XX/XX/XXXX, also with USAA ; including countless other accounts such as multiple checking, savings, auto insurance, and stocks. I have also paid the XXXX card on time, and was about to pay off in full as I was attempting to clean up my credit. 

XX/XX/XXXX, I discovered USAA had used the Service members Civil Relief Act ( SCRA ) to " credit '' the remaining ~ {$500.00} balance and close the XXXX credit card! Mind you, I have been in the military the entire duration of the utilization of the card and that was never offered to me or explained. When speaking to multiple reps on the phone of USAA, I was told, my XXXX credit card was closed because it was a " business decision '' based on my loan that had recently closed - even though I was never late on that credit card. The USAA representative told me there were forms sent to my account inbox stating the closure of each account. I never received any of those documents. 

I am a fan of USAA and have been a member for close to 10 years. I am attempting to rebuild my credit and can not afford another negative account. I Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
Choice Recovery is reporting FOUR collection accounts under my credit report. My SS # is XXXX, XXXX XXXX, DOB- XX/XX/XXXX.  There are no account numbers reported The balances are {$290.00}, {$94.00}, {$99.00} and {$280.00}. This compnay called me ONCE over these accounts, I disputed these accounts right away! Two accounts were paid and setteled and teh other two I paid through my HSA!!!!!!! I asked for proof of what I am now being billed for and they never sent it!!!!! They are in violation of FDCPA 1692 ( g ) ( a ) and ( b )!!!!! My credit score has gone down 115 points due to there inaccurate reporting!!!!! These debts are not owed and they never sent me proof of what I am even being billed for before they reported these accounts to the bureaus!!!!!!! These Four accounts needs to be removed from collections under my credit reporting!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX is reporting FOUR collection accounts under my credit report. My SS # is XXXX, XXXX XXXX, DOB- XX/XX/XXXX.  There are no account numbers reported The balances are {$290.00}, {$94.00}, {$99.00} and {$280.00}. This compnay called me ONCE over these accounts, I disputed these accounts right away! Two accounts were paid and setteled and teh other two I paid through my HSA!!!!!!! I asked for proof of what I am now being billed for and they never sent it!!!!! They are in violation of FDCPA 1692 ( g ) ( a ) and ( b )!!!!! My credit score has gone down 115 points due to there inaccurate reporting!!!!! These debts are not owed and they never sent me proof of what I am even being billed for before they reported these accounts to the bureaus!!!!!!! These Four accounts needs to be removed from collections under my credit reporting!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I received emails stating on autopay and called to verify but not being drafted so showing late. I received emails XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating " remember that your account comes with AutoPay, so no action is required if you'd like to make the minimum payment ''. I called previously and verified with a rep would come out of checking automatically. Called today and was transferred to a total of 8 people. Each not allowing me to speak to a Supervisor and stating Sr Rep and no Sup. Las person stated I read email wrong after I forwarded to the previous Sr Reps. She then stated I had bad payment history which had nothing do with issue and so rude. I requested a sup but never got one. I need someone from corporate to assist. I already made the payment but still need issue addressed. 

I called XX/XX/XXXX and made the payment that I was told was being drafted. I got no where with the whole issue. Even after making the payment, I am still receiving illegal collections calls. I received an email confirmation payment was submitted but online it does not show I even made the payment. I email and asked why payment not showing or still getting collection calls and was not given an answer.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
Amcol called to say i owed a debt to XXXX XXXX  for my daughter. I stated i never received anything saying i owe the debt and i was disputing it. I was told they are notifying me now. They continued to argue me down about the debt even after i said i do not owe a debt. Insurance and the clinic realized the inaccurate information and i was suppose to receive a final bill. I never did and assumed since i pay all co pays at time of service the inaccuracy was resolved. Amcol called at 8 am christmas eve. I spoke to XXXX and then a supervisor XXXX who refused to assist because i wouldn't give my personal info out again. They claim i owe XXXX dollars and some change. Stated I'm unable to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: SC

Complaint narrative:
Disconnected XXXX XXXX Service. Paid the early cancellation fee on XX/XX/2018 of {$120.00}. Returned all equipment by XXXX with a receipt dated on XX/XX/2018. 

Received a collection notice from ERC dated on XX/XX/2018 that they are going to submit this bogus " Collection '' to the credit reporting agencies. and damage my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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:
I made a mobile deposit of a check on Friday XX/XX/XXXX and it is now Monday XX/XX/XXXX and I still do not have access to my money. I have called 3 times and have gotten 3 different answers. First they said the XXXX, then the XXXX, now the XXXX! This is not my 1st deposit from this company and my check is less than {$500.00} so I don't know why it is being held up. They have just ruined my son 's XXXX. It is the only money I had until 2 weeks from now. He has no food. No diapers. Thank you CITIBANK. Nothing can rectify this situation. I am extremely disappointed.

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 2018-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: VA

Complaint narrative:
On XX/XX/XXXX NetSpend service rep XXXX said my account was closed and funds would be mailed to me or. I called NetSpend Corporate office and was told Yes, but no reason was given,,, I asked them if they would  allow me time to transfer money to my new account I had to open, corporate office said yes until XX/XX/XXXX, please investigate, reason for them closing my account, I currently have 3active claims in NetSpend Corporate dispute office, XXXX XXXX ,2 claims XXXX, both no service rendered, ,and I paid for 3months with these companies, NetSpend service dispute 45 days for claim status.. please investigate. thanks

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 2018-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IL

Complaint narrative:
I've always paid my mortgage payment and have been with Homepoint Financial Inc since I bought my house in XX/XX/2017. In XX/XX/2018 Homepoint stated that they didn't have insurance verification and were charging a hazord fee. I've had insurance and the insurance company, XXXX XXXX XXXX, sold our policy to XXXX unbeknowest to us. When Homepoint tried to reach out to XXXX XXXX XXXX they didn't provide documentation. Since finding this out, we've contacted XXXX and had them fax our policy and verification that we've had insurance. I've talked to Homepoint several times trying to fix the problem and verifying that they received verification from the insurance company. When I speak to Homepoint they state that the problem is fixed. I've tried since XXXX to pay over the phone to them for the monthly payment but they will not take my payment and stated they have raised my monthly payment from {$460.00} to over {$700.00} a month. I've sent checks for my monthly payment but they won't cash them. They won't accept my payment for XX/XX/XXXX and XX/XX/XXXX. I need help with this company. I've never been late on any payment and this is causing me great stress.

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I received a loan from Santander for {$12000.00} approximately four yrs  go.Had hard times and fell behind and charges tripled and can't keep up the pace. I have paid around {$17000.00} so far and still owe {$14000.00} on an XXXX  XXXX XXXX in which XXXX XXXX XXXX XXXX says is worth {$2000.00} as trade in, most others say {$1200.00}. My family need a larger vehicle now and can't get out from under this for another 3-4yrs. I read the loan lawsuit on Santander and am thinking I may have fallen prey to this scam. Any help will be appreciated. I have been informed by car dealers that Santander s known for entrapment of consumers and to just let the car go but I really don't wish to but may be no other way out. Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I currently have multiple mortgages with many different servicers and Associated Bank is on a completely different level in terms of their inadequacies. Attempting to work with Associated Bank is the single most frustrating experience of my life. Its like taking a step back into 1970! You can literally do NOTHING online except view a statement. You can't view specifics on your account, request a payoff, view escrow account -- NOTHING. In the 20+ years I've had mortgage accounts, I've NEVER spoken to the servicer as much as I have to with Associated Bank over the past 18 months. Most recently, they made another error on my escrow account. Luckily the taxes are only due twice a year on this property, so they can only botch it up semiannually! We went through the regular dance on XX/XX/XXXX where they call, so we pay the shortage. I called back on XX/XX/XXXX to find out what it will take to just pay the entire escrow shortage, I cut them a check for {$1600.00} and we're done. Nope! This time as an added twist to their incompetence, they start sending delinquent notices! Apparently, although I paid exactly what the rep told me to refill the escrow account, they later decided I should give them another {$1000.00}! 

Finally, after wasting another hour of my life on the phone with this listless band of halfwits, my checking account was debited over the phone for another {$100.00} for the payment shortages, and I've requested another {$1000.00} to go into escrow. I'm sure that in XXXX, they will be sending me a refund again because my escrow account is over-funded! 
Associated has clearly shown their inability to simply balance and pay an escrow account. I want to have my escrow account dropped w/out any charge. If anything, they should be paying me for all my time and frustration!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
While reviewing my report, I noticed fraudulent information was posted on my file. I am a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report 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 2018-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Frontline Asset Strategies, LLC
State: ND

Complaint narrative:
I am repeatedly getting calls from a XXXX area code number with multiple numbers like XXXX and others from a company called frontline asset strategies. I told them I disnt know anything about the debt and he said he would email me a copy of the papers. Never got it he called again and said the same thing and I still have not got anything I have checked spam and regular folders.. he called today XXXX XXXX  at around XXXX XXXX  most. They also many times a day. I told him I wasn't agreeing to anything till I see the papers to validate it as I feel it may be a fraud account. But they still call. I have emailed them as well and got nothing. Just many calls all day

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: NC

Complaint narrative:
The company ERC have been calling my phone everyday at least 3 times a day asking for a XXXX XXXX which I've repeatedly told them that they have the wrong number and this has been going for at least 3-4 months and it is very annoying. No matter what i tell as far as removing my number they always state that they will yet they don't. I would like to file a complaint and lawsuit for phone harassment because they are going to continue to call unless I do. I do not want to go into another year with this nonsense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
ATM transaction for {$120.00} was cancelled. Amount was never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase Bank : Original complaint : Case XXXX Referred from Office of the Comptroller of the Currency, CAG. 

Payment was made over the phone to closed Chase card on XX/XX/2018. According to XXXX XXXX XXXX, the agent " misapplied '' funds, so that the funds were not deposited into account until 14 days later. This resulted in credit reporting with late payment. I called Chase bank personally on the XXXX, and again on the XXXX asking where the funds were. The bank only stated that the funds were not paid, refused to look for payment, and did not want confirmation number showing the funds were transferred out of my account to Chase on XX/XX/18. 

After notification to Chase, I was told that bank could not " correct '' negative information. Additionally, they re-reported the " late payment account '' after notification of their mistake, and my account closed with a {$0.00} ballance. 

This directly caused an increase in my insurance quoting for my business and home. This was the only negative information or change to my credit reporting between quote and notification of final cost.

Company response to consumer: Closed with monetary relief