vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX and I own a certificate of deposit ( CD ) with BBVA Compass bank. This CD ( account number XXXX ) was due to mature on Friday XX/XX/XXXX. 

I was told by the bank previously that I could close this account on XX/XX/XXXX and access my funds on the same day. However, when I showed up in one of the bank 's branches on Friday XX/XX/XXXX, the bank could not close the account claiming that there was a lien on my account. After wasting an hour in the branch, the bank told me that they needed to remove the lien from the account before they could close the CD and give me the funds. 

This is an outrageous development since I have been counting on accessing my funds on XX/XX/XXXX,  but this bank has failed to provide me the funds I desperately need at this moment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Benjamin Chaise & Associates
State: CA

Complaint narrative:
I don't recognize this debt. I had received multiple phone calls and letters last year from Benjamin Chaise & Associates regarding this file. I sent recommended CFPB letter to this debt collector in XXXX XXXX, California on XX/XX/XXXX asking for more information via certified USPS mail which was received XX/XX/XXXX at XXXX. Specifically requested NO more phone calls only contact via certified mail. No contact since then. Just received a call and voicemail now from a number with NO CALLER ID the person identifying themselves as XXXX XXXX from Benjamin Chaise and Associates. I have recorded it and attached below. Not very happy about this I am seriously considering retaining a lawyer for legal counsel and suing them for harassment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
XXXX {$340.00} American Express Serve An transaction was not authorized by because an error on a website. Call American Express and ask to a manager and my issue with the transaction was not taking care of and remains on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: WA

Complaint narrative:
Enhanced Recovery has been calling my cell phone using a robocaller at least 37 times this week alone. They are using sleezy tactics in trying to harass me via phone calls. I've repeatedly asked them to add my phone number to their " Do Not Call '' list but the continue to call. They always ask for " XXXX '' who is someone I do not know. They have promised to not call my number in response to complaints I've previously filed here but continue to do so. They have called using the XXXX phone number and also local call spoofing. My phone number has been on the national " Do not call '' list for several years. 

This is the last time I file via this route. My next option is lawsuit and I've already contacted a lawyer. I've been logging all the calls/dates and will proceed if this does not immediately stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
everytime i contacted c collection companies they did not have any of my info ( ss #, date of birth ) or anything. never could find the the accounts yet they keep reporting these items to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
This problem is with my XXXX report hand the way the agency has handled my dispute, I noticed two fraudulent account on my report back in XX/XX/XXXX, After inquiring around I was told how to tackle this issue I reached out to XXXX and ask them to provide me facts that this account is accurate and to provide me proof and method of verification, however all they did was send me back a report saying that it was verified no insight, Ive contacted the two creditors who have failed to corporate because they have sold the account so they are not investigating and XXXX is not demanding that these two creditors supply detailed information to me, I them reached out to FTC and they told me that I need to fill out the IDENTITY THEFT REPORT which is the same as a police report and send it to XXXX and they must delete the fraudulent accounts in 5 buisness days, XXXX have ignored this order and continue to report these unauthorized accounts, they have never done any true investigation, Im asking that the CFPB look more into XXXX  and see to it that they are following the fair credit reporting act, which clearly state that they must go beyond the original source of the information to prove accuracy, its also the reporting agency job to make sure the account is correct and they also have the authority to remove the files if they are not accurate in findings and if you find its accurate supply the information to the consumer ... XXXX have done none of the following, the accounts are listed below ... also XXXX continues to make updates every time i dispute like removing a late payment or two then next dispute adding a late payment and they are doing this and then sending me a verified and say they updated the account, but why u keep making changes? And then reversing changes no investigation is being done and the account is to be delete as they are not mines ACCOUNT : XXXX/CBNA ACCOUNT : 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 2018-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
I took a loan out with Speedy cash for XXXX and I was told my payment was about XXXX a month and when I log into my account it shows this payment amount not due until XXXX, however I had to go to my credit union because they have pulled 3 payments for the month of XXXX and have tried several attempts to keep drafting payments in XXXX when on my account it states I am not due for a payment until XX/XX/XXXX. I have placed a dispute and a stop payment with my financial institution and have requested Speedy cash send me a balance bill being as I have no longer authorized them to pull from my checking account. The payments they pulled incorrectly caused me overdrafts fees from my financial institution as well. They have no actual location in the state I live in and it is nearly impossible to get in touch with someone to resolve the matter. I have not received the balance bill or even a call back in regards to my situation. I do not feel as though this company should be allowed to pull from my account when a payment is not due and was not authorized. They changed the payment amount from XXXX to XXXX for XXXX just to try and have it go through. I have already placed a stop payment on my account for any future transactions they try to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I am a single mother of XXXX. I work full-time and I'm in school studying to be a XXXX XXXX. I'm hoping to be certified by the end of the year. I am struggling with my mortgage payments. I am 4 months behind and I'm concerned I'm going to lose my home.

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 2018-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My mother died on XX/XX/XXXX of XX/XX/XXXX. I have been using the joint account that she, my brother, and myself have shared while I was her XXXX for about 10 years. I have been on the account for 20 years. I have her will in probate court, but my attorney is lackadaisical about the matter. Over the course of the past 2 weeks Bank of America has frozen my checking account twice for no apparent reason.They seem to need information about my brother, but ... my brother has no interest in this account. He has not lived here for 27 years. On XX/XX/XXXX my account was frozen by BofA with NO notification because they needed some sort of information about my brother .... I was told it was rectified. This morning my account was frozen again. XX/XX/XXXX. Apparently, BofA needed some sort of info regarding my brother they never worried about for the past 30 years. I have spent 4.5 hours on the phone today just trying to figure out what BofA wants, called my brother and went to the bank ... The " financial center manager ... ... XXXX XXXX '' sort of helped me but, he pretty much brushed me off. I deposited my mothers life insurance policy into this account last year, just to cover basic utilities. Gas, water, electric, and phone ... ..While I finish college and clean out the house. No one has needed any information about my brother or myself until this year. 30 years. The insurance check was to me. I find it morally reprehensible that a bank I have been dealing with for the past 10 years freezes my account due to information about my brother they never needed before. He hasn't changed and he just spoke with them last week. Seems to me BofA just wants to steal money. 

Thank you very much, 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 2018-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BMO Harris promised a {$200.00} new checking account bonus in exchange for a few requirements. They were all fulfilled, including receiving direct deposits from my employer 's brokerage account. The deposits required, at the time, were of {$300.00}, the ones I received were above {$500.00}. Nevertheless, I have received no bonus, yet.

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 2018-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Recovery Solutions, LLC
State: TN

Complaint narrative:
National Recovery called my cell, my mother 's house and my sister 's cell all around XXXX central standard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX and filed bankruptcy XX/XX/XXXX and wanted to reaffirm my mortgage. They refused to sign the reaffirmation agreement after asking for an extension for them to sign the papers. A filed the papers with the court and was given a deficiency filing status under chapter XXXX and it was denied under chapter XXXX prior to converting. 

The mortgage showed as closed on my credit report and I was advised through legal assistance that I was no longer responsible for the loan. I attempted to get them to work with me but they refused demanding all the money, they transferred my loan to XXXX XXXX XXXX sometime in XX/XX/XXXX and they initially did not want to work with me either. 

I was able to supplement income and applied for a trial modification that was eventually approved and it became final in XX/XX/XXXX. 2 weeks ago I check my credit report and see that XXXX XXXX XXXX is still listed as closed on one credit report and has been removed from the other report. XXXX is now being listed as open mortgage account with current payments and 8 missed payments, after showing being closed.

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 2018-05-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had a mortgage with Bank of America and filed bankruptcy XX/XX/XXXX and wanted to reaffirm my mortgage. They refused to sign the reaffirmation agreement after asking for an extension for them to sign the papers. A filed the papers with the court and was given a deficiency filing status under chapter XXXX and it was denied under chapter XXXX prior to converting. 

The mortgage showed as closed on my credit report and I was advised through legal assistance that I was no longer responsible for the loan. I attempted to get them to work with me but they refused demanding all the money, they transferred my loan to XXXX XXXX XXXX sometime in XXXX and they initially did not want to work with me either. 

I was able to supplement income and applied for a trial modification that was eventually approved and it became final in XX/XX/XXXX. 2 weeks ago I check my credit report and see that Bank of America is still listed as closed on one credit report and has been removed from the other report. XXXX is now being listed as open mortgage account with current payments and 8 missed payments, after showing being closed.

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 2018-05-11 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I have had a XXXX dollar miscellaneous charge on my account since last XX/XX/XXXX. Managers turn me to other departments and hang up constantly, I have been told to pay what I owe for the month and dont worry about the miscellaneous charge, however, it has been reported to the credit Burea for months and is effecting my credit score, I just called today and got no where, I was told that now an acct manager is handeling this. Than the phone hung up, some of the dates I have called are XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX my acct number with Ally bank Auto loan is

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 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filled a dispute with EXPERIAN, regarding that an account that is showing on my credit report that I did not authorized to be open. 
The account is : XXXX XXXX - XXXX XXXX, and EXPERIAN came back saying this is a valid account, but did not provide of Affidavit of Debt or documentation that I actually opened the account. The other 2 credit reporting bureaus removed the account because they were able to verify that this was not my 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 2018-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
When I purchased my vehicle, I also purchased XXXX insurance. I became XXXX on XXXX XXXX. My XXXX insurance didn't pay one of the payments on the due date so instead of getting charged a late fee, I made the payment on time. I asked the company what would happen because my account would show an overpayment and I was told that the money would be returned to me. I received a lien release dated XX/XX/XXXX from Wells Fargo. I called the company on XX/XX/XXXX and asked about the overpayment and I was told that they would release overpayment on XX/XX/XXXX. I called again on XX/XX/XXXX and XXXX said check would come any day, that it was mailed on XX/XX/XXXX. I called the company on XX/XX/XXXX, and was told that they would have to fax me a paper within 48 business hours. I never received this. I called the company again on XX/XX/XXXX and told them I was contacting CFPB, they said the original check had been returned. I wanted to have them explain this to me, I was given a case number which is XXXX. Wells Fargo did call me on XX/XX/XXXX and I told them that they have 11 week before mi file this complaint. I feel that they have no care because this has been paid off

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 2018-05-11 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: IL

Complaint narrative:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report Should they continue in this course of action, I plan to take legal action but I want to create a paper trail. 

INQUIRIES XXXX XXXX I XX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS XXXX XX/XX/XXXX {$8400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was contacted at my place of work, on a company-owned phone, in a threatening manner regarding an old debt. The caller ( according to their recording when I called for the company name because they wouldn't tell me when I was speaking with them.. ) was XXXX XXXX XXXX . I asked the person on their end to not call my work again, and was told he would remove my employers number from his list of contact numbers but only after I gave him another number. I was threatened with a lawsuit, and talked at in a demeaning manner. My day was ruined and my company has told me I will be punished if I am to keep having debtors call my place of work. This needs to stop! I could lose my job because of these sick poachers of debt who pray on those who can barely afford to eat and harass them. Please help me..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Home Mortgage set up an automatic draft to my checking account without my knowledge or consent. On XX/XX/2018, Wells Fargo Home Mortgage drafted my XXXX XXXX checking account # XXXX for {$700.00} without my approval or consent. In fact, it was noted that this was the result of an automatic draft being set up on mortgage account # XXXX. I have never set up an automated draft on any account for any reason. 
This unauthorized debit caused my checking account to be overdrawn by {$370.00}. Additionally, I have incurred overdraft charges due to this unauthorized draft in the amount of {$97.00}, with additional fees likely to be incurred as time passes without funds in the account. 
Wells Fargo has been contacted. Someone named XXXX assured me I would have my funds back in my checking account promptly. This has been over a week ago. Still no action has taken place despite my faxing statements and transaction history of the previously referenced checking account. 
Due to their fraudulent debit from my account and complete lack of action, I have not had money for gas, food, or other daily essentials. I have had to beg and borrow to keep going these last several days. This is an unacceptable practice and needs to be rectified 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 2018-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
After refinancing a personal loan with a Company called Toledo Finance, I was unable to complete my obligation to repay the loan. I contacted them and advised that due to my current financial situation that I was not able to do anything. They said that didn't matter the money was still owed and they would continue contact me regardless if I asked them not to do so. Sometime its 2-3 time a day. I have tried to block their numbers, but somehow they still continue to call and leave messages. What are my options if they will not cease? They say that they have to " work the account '' regardless of my situations.

Company response to consumer: Closed with explanation