vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear sir onXX/XX/XXXX I applied for a mortgage loan on a short sale for a condo at XXXX XXXX XXXX XXXX XXXX XXXX l the price was XXXX of which I was putting XXXX down. I used Bank of America as I have a XXXX XXXX act. XXXX was directed to XXXX XXXX XXXX at. XXXX XXXX XXXX ex XXXX who after checking my income said I quifled and was directed to loan staff who asked for a ton of paperwork like a year and a month of XXXX XXXX   statements-XXXX income tax papers they wanted me to explain the use of PO box I use 8  years, checks I wrote to a private party for 3 weeks rental in XXXX XXXX. They wanted to contact the owner of a private mobile home park that I rent a site in and said he never call back but did n't give him a ext. # They gave me 5 different loan offercers who ask me for material witch was already sent. XXXX XXXX who l had the most context with made me to believe once she received this or that the loan would be approved. XXXX XXXX led me to believed he was the prospered to close loan XXXX XXXX  who is a superviser # XXXX ex XXXX made me believed she could take care of things. XXXX XXXX to me she. Has e very thing she needed but soon dissapered. XXXX ext XXXX had a short life too. XX/XX/XXXX  XXXX XXXX sent a ciosing statement final figures TBD. On XX/XX/XXXXXXXX XXXX caiisd and  said w e had short sale approval. I had until XX/XX/XXXX to close on this condo. I received a call from XXXX XXXX telling me the area was not in a approved zone for a mortgage from them I believed because of my age XXXX they tried to discorge me after 10 weeks of paperwork they led me to believed approval was coming I stayed in motels wor weeks waiting for approval why would checking to see if condo was in a approved was one of the first things to do was n't done before all this time and expense was 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 monetary relief
Consumer complaint received 2017-05-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Incorrect Status being reported on by Experian CRA.     Entry by    XXXX   XXXX   XXXX    : Owed {$340.00}  XXXX   XXXX     XXXX   XXXX   XXXX     XXXX , NH  XXXX  Credit reporting agency is documenting a claim by    XXXX   XXXX   XXXX    on my credit report that I owe  XXXX   XXXX  a balance of {$340.00}. This amount has been paid to  XXXX . My bank is reporting this as rebilled (  XXXX   XXXX ,  XXXX  ) and paid by me to  XXXX .   The original payment was made by Credit Card  XXXX   XXXX   XXXX ,  XXXX  ), disput ed (   XXXX   XXXX ,  XXXX  ) and the dispute w as withdrawn/rebill (   XXXX   XXXX ,  XXXX  ).      XXXX  Contact by me :  XXXX   XXXX ,  XXXX  letter  XXXX   XXXX ,  XXXX  Letter Experian CRA falsely reported unpaid  XXXX  balance was disputed  XXXX   XXXX .   No action taken returned to me by Experian  XXXX   XXXX , I possess and presented Experian proof of payment.     Submitted credit card statement showing rebill for {$340.00}.

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 non-monetary relief
Consumer complaint received 2017-05-16 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery Services c ontinues to report incorrect information about me to the  XXXX  credit bureaus which has been detrimental in me obtaining housing. The agency purchased 5 debts under my social security number which were all opened fraudulently. I have letters from the original creditors that they purchased the account from who did the investigation and found I was a victim of identity theft. I forwarded these lette rs to Portfolio but they  have still continued to state my accounts are in the legal department and refuse to contact the original creditor to verify the validity of my claim. The amounts are approx {$7000.00}, {$2200.00}, {$350.00}, {$1200.00} and {$2000.00}. This has been ongoing since  XXXX  of   XXXX  .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
An account Last Reported on   XXXX   XXXX   XXXX     by the  Collection Agency  called  XXXX   XXXX   XXXX   XXXX  from the Original Creditor  XXXX  still has not been removed from Transunion! I has already been removed from   XXXX   and  XXXX  and yet i am still here fighting with Transunion! They do not care that their reportings can affect you in everyway possible form jobs to housing and everything in between! This Is not right is is in no way legal. They should take tips from the ot her 2 agencys a nd take care of matters the right way and faster!

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 2017-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Tuesday,  XXXX   XXXX ,   XXXX  . I received via email a solicitation for an  Express signature loan with BBVA.  I went ahead and filled out the information, requesting  XXXX  for debt consolidation. I was immediately approved and given the option to choose the length of the loan, payment due date for automatic debit and it also provided the interest rate. After I viewed that page it another page came up stating for me to take my loan details to a branch to finish and have disbursement completed. Well I put in my zip code and there is not a BBVA branch within  100  miles of my location which is  XXXX . I contacted customer service immediately and explained the situation. They also saw where I was approved for the loan but also stated the same thing the closes branch is  a 5 hour drive for  me. The person I spoke to that day requested my phone number and stated her and her supervisor where going to reach out to a branch and see if the paper work could be sent by mail or even for me to sign electronically. I said perfect. I did not hear back from them all week. I contacted BBVA again on Monday  XXXX   XXXX . Explained everything to a new person. she did see all the notes and tells me I can open a checking account with them and then they could just transfer the money of the loan into that, I aid perfect if that 's what 's needed no worries. We went ahead and opened the checking account with the rep on the phone. She places me on hold and came back several times stating that was not working either, That the fulfillment team was trying to transfer the funds into the checking account but it needed my signature. I explained again I have no problem going to a branch there is just none by me. So after being on the phone for abou t 2 ho urs they stated they needed my signature, so after being approved for the loan, opening up a checking account I do not need I still can not get my funds for the loan. I really do need this loan to consolidate my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I was notified in  XXXX  I owed a debt from a personal loan of  XXXX  dollars. I made payment arrangements to the company of  XXXX  a month which wa s D. Scott Carruthes  a law firm in CA and I was told if I do n't pay this debt I will be sued and taking to jail. I was making these payments and decided to consolidate my debt through   XXXX   XXXX   in  XXXX  and they were confirmed through D  Scott law fi rm I owed  XXXX  and my payment would be  XXXX  towards the law firm every month. I recently wanted to know my balance as of today with   XXXX   XXXX   which they told me was  XXXX  left to this company. I call the company direct and they are telling me I owe  XXXX  dollars still because of interest and fees over the years. All I want is a correct amount to pay and set up payments or pay the  XXXX  in full and not deal with this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I bank with  USAA, they h ave no branches in my location and offer mobile deposit. On  XXXX   XXXX  I used this feature to deposit money orders since I am unable to deposit cash. I wrote a check for my ren t. USAA decided  to put a hold on the guaranteed funds. They sent me a message today saying I had insufficient funds, but my available amount is more than the check I wrote. This has caused a major problem with me and my landlord. I have copied the message to this form.      One or  more transactions resulted in nonsufficient funds to the account below : Date :  XXXX / XXXX / 17  Account ending in :  XXXX  Overdraft protection : None Nonsufficient amount : {$1700.00} Available balance : {$1900.00} Details : CHECK #  XXXX  You can avoid returned items by setting up overdraft protection. It takes only minutes and becomes effective w ithin two to three busi ness days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: NY

Complaint narrative:
**Please note, debt was already disputed an d discharged, but  not due to bankruptcy, it was dismissed because I was found to not be responsible for it.   I was sent a notice from a debt collector called : ERC, to notify me that  XXXX   XXXX  hired them to come after me for a debt that had already been disputed and dismissed both by the previous creditor employed by  XXXX   XXXX  and by   XXXX   and  XXXX  last year. How can they hire a second debt collector to come after me like this? I did a lot of work to get this debt removed and cleared already. This is like double jeporady! I am an elderly woman on a fixed income, and I am not responsible for this debt to begin with! Please help m e! See letter ata ched. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I filed an unauthorized dispute for transaction  XXXX  on my CC. This transaction occurred at a gas station on the West coast. I live in  the Midwest and   have not used that card on the  West  coast ever. Their fraud models missed the clearly inconsistent activity of this card use.     Although my account is completely services online, I was sent a physical letter requesting additional confirmation from me that the transaction was unauthorized. The letter required me to check a box and sign it. Then mail, fax, or drop off a copy of the letter at a branch.     I called into the customer service center to verbally report the unauthorized transaction on  XXXX   XXXX ,   XXXX  , and I was once again told I would need to do this additional step to report the transaction.     Considering all other aspects of the account are serviced online, this additional physical letter requirement to file a dispute, appears to be an intentional deterrent to filing a dispute. The entire dispute process should be able to be done online.

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 non-monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Oracle Financial Group LLC.
State: TX

Complaint narrative:
On today,   XXXX   XXXX   XXXX     I received a call at  XXXX  to my cell phone and  XXXX  to my work phone by someone stating they were  XXXX   XXXX   XXXX  He did not provide a company name or any information as to the nature of the call. He stated he had my name and SS # and I could reference number  XXXX . He stated that he had been " retained '' and my information has been " presented '' in his office. He threated to come to my residence or place of employment to " gather information ''. Since a company name or reason for the call was not provided, I searched for the  XXXX  number left in the message and it matched to  Oracle Financial Group LLP  ; a debt collection agency. At no point in the message was it stated that the call was in relation to an attempt to collect a debt and the call is originating from an " Unknown '' number. It should also be noted that I have not received anything in writing from this agency in regards to the nature of their business with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16 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: NC

Complaint narrative:
I have  XXXX  private student loans wi th Navient. I  ca n't make the payment amount that they request per month. I need to be able to pay about {$400.00} per month for those  XXXX  loans, but they will not do that. They have ruined my credit and my co-signers credit. I have been going through sickness that past couple of years but they have been no help. I have called them several times and each time they offer me different terms and payment arrangements through the company. I just need to lower my payments please help me. Also the interest rate on those loans keeps on changing every year and it goes higher and higher. I will never manage to pay those loans off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunio n Consumer Relations     XXXX   XXXX   XXXX       XXXX , PA  XXXX  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting  Act, 15 U.S.C. 1681g 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 under   Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of th  e verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.     Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract   XXXX   XXXX    XXXX  Unverified Account

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 2017-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Applied for PayPal Credit in XXXX XXXX, 2017. I was denied. I called and was told that they needed to verify income and that i would receive an email with a link that would take me to a site to input the pending income information. The email arrived with the link broken. No way to get to this site. I called and was told that i would have to wait 10 days for a letter in the mail that would provide a new link that would work. The letter arrived and the link still did n't work. I called and wrote PayPal and  i get the run around. Nobody can do anything. According to their support people the whole process is system based and the humans cant do anything. I have a credit application that should have been approved on the spot ( 750 credit score ) yet I am going in circles trying to get anyone to show me where to send the income information to complete the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I was notified in XX/XX/XXXX I owed a debt from a personal loan of XXXX dollars. I made payment arrangements to the company of XXXX a month which was XXXX XXXX XXXX a law firm in CA and I was told if I do n't pay this debt I will be sued and taking to jail. I was making these payments and decided to consolidate my debt through XXXX XXXX in XX/XX/XXXX and they were confirmed through XXXX XXXX XXXX XXXX  I owed XXXX and my payment would be XXXX towards the law firm every month. I recently wanted to know my balance as of today with XXXX XXXX which they told me was XXXX left to this company. I call the company direct and they are telling me I owe XXXX dollars still because of interest and fees over the years. All I want is a correct amount to pay and set up payments or pay the XXXX in full and not deal with this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: MD

Complaint narrative:
I submitted the attached police report to all  XXXX  credit bureaus notifying them that I was a victim of identity theft and that the   XXXX   XXXX   XXXX   account ending in  XXXX  that was reported as a charge off on my credit report with a balance of {$1500.00} was the result of a stolen credit card. I asked that this account be immediately removed from my credit file ; however, both Equifax and   XXXX   have refused to remove stating that   XXXX   XXXX   XXXX   has confirmed that the charges are correct. I have attempted to follow up with   XXXX   XXXX   XXXX   directly but every time I call in I am given the run around. Numerous agents have confirmed that not only are the charges fraudulent but nearly 75 % of the balance that is being reported is the result of their own late fees and interest charges assessed after I initially alerted them to the fraud on my account back in   XXXX   XXXX  . It is my very strong belief that this balance is an attempt by   XXXX   XXXX   XXXX   to extort money from its customers and that the resulting charge off was an act of retaliation by   XXXX   XXXX   XXXX   as I have refused to pay any and all of this {$1500.00} balance. As evidence of this fact, since closing the account in   XXXX   XXXX  ,   XXXX   XXXX   XXXX   has refused to further investigate the fraud claims made on this account, even porting the account balance ( without the actual transaction  history ) to another  account number in order to mask the poor account management that has taken place here and continue to report this account to my credit report after I provided documentation with the credit reporting agencies as proof of the fraudulent activity on this account. Further, through the end of  XXXX    XXXX   XXXX   XXXX   management refused to answer any of my numerous inquiries and attempts to remove this account from my credit report. Again as evidence of this fact, I filed a   XXXX   XXXX   XXXX   complaint in   XXXX   XXXX  , which also went unanswered.

Company response to consumer: Closed with explanation