vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CO

Complaint narrative:
I originally had service with XXXX XXXX  for my business. When the alarm broke in XX/XX/XXXX, they sent a sales guy out who signed me up for XXXX XXXX. Apparently the two companies were merging. XXXX continued charging for services they were no longer providing from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX began billing for services in XX/XX/XXXX. 

Since XXXX was already set-up from before, it continued to auto-pay against my credit card. I immediately called both XXXX and XXXX  XXXX on XX/XX/XXXX to point out the overlap and request a credit from XXXX - which I would then use to pay XXXX XXXX. The credit that XXXX agreed to was {$270.00}. 

I have been waiting since XX/XX/XXXX for this alleged check that they have issued to arrive. Since then I have called XXXX  and XXXX XXXX again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to update them of the situation. 

The entire time that I have been doing that, XXXX XXXX has reassured me that they were fine with the delay in payment and understood the situation. 

I have been receiving repeated calls since XX/XX/XXXX from a collection agency named Virtuoso Sourcing Group, XXXX. I finally found out that they were actually calling on behalf of XXXX XXXX. I explained to the gentleman on XX/XX/XXXX after they called twice in a row what the situation was and to stop calling me. He agreed. I have since gotten two more calls from them, this time from an agent named XXXX. When I explained the situation to her and that I was upset they were not stopping, she asked for written evidence of the situation. I agreed to email it to her but she refused to give me her email address and ended up hanging up on me. When I called the number back to talk to a supervisor and sort this out, the recording said that I was calling during business hours. It is unfair and shady that they can call me but I can't call them back after they hang up on me, or that I was unable to send written evidence of the situation when she refused to provide her contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I was involved in a boating accident on XX/XX/2018. The boat sank and I very nearly drowned. The severity of the acciddently should have killed me instantly, but I miraculously survived despite incurring severe mental and physical trauma. Since then I have been in hospitals undergoing procedures and treatments ranging from physical injuries to XXXX XXXX XXXX XXXX. During this time I was physically and mentally unable to tend to my finances, so all deposits went to my XXXX checking account and all withdrawals came out of my bank of America checking account which overdrew the bofa account many times over accruing nearly {$400.00} in overdraft fees. 

I spoke to three levels of supervisors for nearly 2 hours explaining my situation, transferred enough funds to bofa to cover the overdraft, but the bank will only waive {$140.00} fees, and they have held my deposit as pending for several days causing even more overdraft fees to occur. These people are in human, I nearly died ... .and they are penalizing me for it. Please help, my medical expenses are continuing and I can not pay these penalties.

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 2018-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In XXXX, I owed a little more XXXX $ to XXXX but PRA says I owe XXXX . I don't think so! In XXXX, I owed a little more XXXX . I tried to work with XXXX XXXX XXXX directly to prevent collection. Unfortunately, I worked for more than 2 years under contracts which was not even providing for my basic needs. I requested a Debt Validation letter from XXXX XXXX XXXX and the billing statements for XXXX to XXXX. Portfolio Recovery Associates says I owe XXXX . I don't recall owing this amount to XXXX XXXX XXXX and would like to see the validation of the amount owed. Plus, remove my account from Portfolio Recovery Associates. I tried to go online to get my billing statements from XXXX XXXX, but my account is closed, I can't access them. 

I contacted XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX via their email at XXXX to have a Debt Validation letter, they refused. 

I contacted XXXX XXXX, XXXX  Office of the Customer : XXXX XXXX | XXXX XXXX at XXXX from XX/XX/XXXX to XX/XX/XXXX to get copies of my billing statements showing the amount I owed, they refused. 

Finally, I receive a letter that stipulates that the billings statements I needed to contact XXXX XXXX, that XXXX refused to purchase the debt nor giving me the billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent in a request for investigations to the credit bureaus. There were accounts reporting incorrect information. They were supposed to respond within 30 days, but they have not.

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 2018-06-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent in a request for investigations to the credit bureaus. There were accounts reporting incorrect information. They were supposed to respond within 30 days, but they have not.

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 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
XX/XX/2018 called Wells Fargo Loan Modification XXXX and they refused to do a loan modification even though I just had buried my mother and was getting to a point to save my home. They said I called in too late about 33 days before the sale and they needed 37 days. They would not postpone the sale or do anything about me working out something with them.

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 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I Have Sent Them Several Letters Asking Them To Remove Incorrect Personal ( Incorrect Previous Address ) Information That They Put On My Credit Report.This Started After The XXXX  " Breach. " They Refuse To Give Me A Copy Of My Credit Report Claiming, All Of A Sudden After Years Of Receiving My Credit Reorts With Zero Problems That They Can't Verify My Identity.I Have Sent Several Pieces Of Information To Prove My Identity Including My Driver 's License And They Still Refuse To Give Me My Report Or Correct The False Information.

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 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and XXXX  decline to correct their reports ... I have contacted the creditor, and I was told that they actually informed Experian and XXXX  of the inaccurate info ; yet they both will not remove the negative account ... and the creditor said Experian and XXXX  only recently contacted them ... However, I have disputed this account 3 or 4 times ... my rights and F.C.R.A. law is being violated ... Neither one of them will give me a document or name of so-called verifier of data, because he or she does not exist ... Yet XXXX  has removed the account ...

Experian Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX  Company XXXX 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 2018-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX is charging an alleged late fee I told them I disputed it, called customer care and the bank XXXX  and they repeatedly call and harass me even at work ( 10 times a day ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-15 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: TX

Complaint narrative:
Mansions of XXXX XXXX XXXX XXXX XXXX placed the exact same bill with two different collection agencies causing two bad reporting remarks on the credit bureau. I have spoken with XXXX/ XXXX XXXX management on many occasions who states they will correct the problem. The accounts are still placed with two separate agencies. I have requested for Trans Union to  investigate and remove double marking for the same bill and nothing gets done. This has been an issue for almost 2 years now. I am trying to purchase a home and will pay the past due amount but can not pay twice. This should be a credit reporting violation and no one is assisting with resolving the matter.

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 2018-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
After completing a consolidation process to lower my monthly student loan payment through the XXXX XXXX XXXX XXXX, I was approved and have a confirmation email dates XX/XX/XXXX. My repayment to Sallie Mae, my private loan lender, was due XX/XX/XXXX for the very first payment after graduation - which would have been roughly {$450.00}. I was informed not to pay sallie mae, as the federal student aid would be covering the loans and it would take up to 90 days to complete the transfer process. I called and clarified this with the XXXX  company several times, as I was still getting alerts constantly from sallie mae my loans were overdue, and reassured I shoud n't pay because XXXX would be taking care of the matter. 90+ days go by, and no consolidation had been completes, sallie mae didn't have any record anyone from XXXX  had even contacted them to dispute the repayment amount. I am now past due with an amount {$1200.00}. Sallie Mae is unable to consolidate any of the past due amount, and the XXXX XXXX aren't willing to help, as they don't settle private loans - which i was unaware of, and was told several times repeatedly that they would take care of all my student loans - public and private. I was unfortunately misinformed about what was being consolidated - and now am unable to receive any help or assistance from either company. I am hoping to get this unfortunate miscommunication and misunderstanding settled once and for all, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
Back in XX/XX/XXXX there was a really bad Hurricane and i was in contact with Caliber mortgage about my mortgage payment almost every week. The reps on the phone kept telling me that due to the natural disaster that we did not have to make our monthly payment. Than i checked my reports and they reported me 30 days late. I than called and the rep said that if i disputed the alleged late pay that they would correct their mistake. Well i disputed it and they still have me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
When getting a replacement card, the company informed me that it would issue me a new number. In doing so, they reported me as closing my credit line and re-opening a new line of credit with them. When I opened my Synchrony Bank - Carecredit account with them, it was on XX/XX/XXXX ( 6 yrs, 4 mos ago ) and on around 9 months ago I asked for a new card. It was XX/XX/XXXX when they show the new account established, but this was not the case as I had only requested a replacement card. 

I have spoke with them on this in the past and they " assured '' me it would be corrected in due time, and I eventually created a dispute with XXXX  about my Synchrony Bank credit account, which was reported on XX/XX/XXXX and completed on XX/XX/XXXX with no resolution on my request. 

XXXX  was supposed to create a new dispute as I called today, XX/XX/XXXX, and were supposed to send me a confirmation via email in which I never received. They were not too helpful when I asked them what my options were as to disputing it with the information I had and the response from the creditor already.

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 2018-06-15 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: DISCOVER BANK
State: TX

Complaint narrative:
I have disputed an Discover Card account # XXXX. This account was a fraudulent account due to identity theft. I have file a police report and have mail it certified mail to Discover. I have also called multiple times about this fraudulent account. They have remove the account initially, but now the account has later been reported back on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and TransUnion decline to correct their reports ... I have contacted the creditor, and I was told that they actually informed XXXX and TransUnion of the inaccurate info ; yet they both will not remove the negative account ... and the creditor said XXXX and Transunion only recently contacted them ... However, I have disputed this account 3 or 4 times ... my rights and F.C.R.A. law is being violated ... Neither one of them will give me a document or name of so-called verifier of data, because he or she does not exist ... Yet XXXX has removed the account ... 



XXXX Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX Company XXXX 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 2018-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I made an on-line mortgage payment to XXXX XXXX XXXXXXXX and they did not send confirmation that I made the payment and refuse to send me confirmation about the payment I made, although they agree I made the payment. I want written proof I made the payment and they refuse to give me that proof

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I have paid this debt as agreed. It was paid on XX/XX/XXXX. I was told an email would be sent to me confirming payment in 3-5 business days. I have not received this email as of XX/XX/XXXX ( 13 business days ). When i call regarding this i am told it will be sent and it never comes. I am told to check my spam folder, which i do several times a day, and there is still no email. I even spoke with a so called supervisor and asked if it could be mailed to me and he actually told me that it cost to much to mail out the document. I spoke with a woman today who advised that she would have the document mailed out ( Thank you mama ) but i would still like to get the email as i have a business transaction that is being held up because of this matter.

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 2018-06-15 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, Coinbase disabled the trading of my account. My account was a fully verified account : legal ID and SSN were provided to Coinbase as  required in XXXX. No communication or notification was given to me by Coinbase in any form about why the trading ability was disabled. All " Good till Cancel '' limit orders were also removed without any form of notification by Coinbase. 

On XX/XX/XXXX, I contacted the customer service and they stated they can not provide any reason as in why my account trading was disabled and why all the orders were removed. They also stated they could not provide any estimation of when I can receive a follow up of the problem investigation, not to mention when can the problem be resolved. An escalated support case was raised and case number is XXXX. I was told to check after 2 business days however till now there is not any update about this case by Coinbase.

I am launching this official complaint with the Consumer Financial Protection Bureau about the below Coinbase/GDAX 's multiple unprofessional malpractices : 1. My account trading is disabled without any notification in any form even my identity was fully verified long time ago.

2. When contacted with Coinbase/GDAX customer support, no reason was given about why the trading is disable.

3. No estimation was given on when I can hear back on the escalated case for the problem.

4. Good till cancel order was removed without any notification nor with any explanation why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have been getting more than 7 calls a day now going into texting me about payment. I make a payment they add more interest. I explained I have some of cash and asked to settle. All I get is more charges and constant calls that never end.

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 2018-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
My original mortgage company, XXXX XXXX, transferred my FHA loan to Lakeview Loan Servicing several months ago. I send my check mid-month ( before the due date on the XXXX ). I don't get the statement from them until the middle of the next month. This month, my bank statement showed my check ( sent XX/XX/XXXX for {$1200.00} ) did not clear. I called the mortgage company. They couldn't find my check. I canceled the first check and sent a replacement check on XX/XX/XXXX for the same amount. It has been 9 days ( all checks cleared in under 8 days before ). What am I supposed to do if this company is so incompetent that they can't process my checks properly? I've called, I've emailed and got the response that they are looking into this ... .I have excellent credit and will not have my rating damaged by them. How can I get them to process my payment on time and send my statement in a timely manner? Thank you. checks sent to XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These are accounts that I settled with the original creditors ... these accounts should have never went into collections ... Experian declines to forward me any proof, documents or contract proving their claim or the claim of the collection agencies ... this isn't accurate at all ... I have contacted creditors, and I was told that they did not verify these accounts for Experian ... F.C.R.A. law is being violated and so is my rights ... 



DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$860.00} {$860.00} XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( 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 non-monetary relief