vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had a checking account with Bank of America for over ten years. This weekend with no warning or notice they closed my checking account. I was actually left stranded several hours from home because I wasn't able to use my card to call a XXXX or XXXX because they had closed everything down. 
I called several XXXX numbers they provided looking for information. 
Noone was willing to give me any information about why my account was closed or how I would be receiving the money that was in the account. 
I went to the store and also wasnt giving any information. I received nothing in writing. I went to the bank and was told to call the number i called the number and was told to go to the bank. 
This bank is holding my money hostage and also refusing to give me any kind of information about why or where it is. Please help me.

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 2019-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I have provided all my current financial information to the lender and they keep asking me about a job I no longer have! They have removed me from review for no reason and we have already contacted their office within the last month over 8 times advising they have incorrect information Thank you!

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 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX I called XXXX to receive my three free annual credit reports from Experian, XXXX, and XXXX so that i could begin to dispute incorrect credit info. I received Experian and XXXX reports and never received XXXX after receiving the other two reports.I tried contacting XXXX by certified mail ( XXXX XXXX ) only for them to send me a letter ( XXXX XXXX ) stating that they needed me to send personal info in the mail as to prove who I was ( copies of utility bill, ID, W-2,  social security, etc ) .I sent certified mail to all three agencies with the a letter of dispute and a letter from the agency that I paid the full amount to as well as the bank statement showing the full payment amount. I also found out today ( XXXX XXXX ) that Experian deleted my social security number from my credit report deeming me untraceable to calling the agencies and being identified. Im fighting to clear a debt that I paid on XX/XX/XXXX in the full amount and now they seem to be making it impossible.

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 2019-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Attempted to sign into coinbase account but locked out due to 2-factor identification. When attempting to verify identity the identification process required access to device that was damaged ( which was also causing me to be unable to 2-factor identify ). Emailed coinbase customer support but was not given a method to verify identity and log into account without the damaged device. Was unable to be fixed in one year - attempted to resubmit a new ticket via coinbase website however submissions always time out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: STATE FARM BANK, FSB
State: VA

Complaint narrative:
I bought a car and financed through State Farm Bank. I have been paying the loan in good faith for over a year. I went to  renew tags and car was never registered in my State ( VA ) by dealer. DMV does have the car info. Dealer closed doors. Contacted State Farm Bank to ask for title and to see if dealer gave they the title when they funded dealer. State Farm Bank never secured the title or any info regarding the car from dealer. State Farm Bank just paid dealer for a lien/title ( product ) they never had. I even said I'd pay loan in full to give me the title, to hear from State Farm Bank that they do not have the title to my car and no other info regarding the funding or payment to dealer. I asked them how they funded dealer without title ( lien ) and they told me it is not their problem and I have to pay the monthly installments or in full. I asked them if paid in full how they will provide the title to hear that is not their problem and i have to pay the loan. 
This is being investigated by the criminal division but meanwhile State Farm Bank demands payment on no collateral or no lien, title. I can't understand why, I have to continue paying for a product that they don't have title. This is fraud on their part as they are continuing receiving monies for nothing. 
And since this is a criminal investigation, I have to lease a car to commute to work. How can a finance company or bank do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: TX

Complaint narrative:
During Hurricane Harvey, XX/XX/XXXX, my XXXX XXXX XXXX was caught in fast rising water and later declared a total loss. I had full casualty auto insurance as well as GAP insurance. I made the auto loan holder, XXXX XXXX XXXX, aware of the loss. My auto insurance paid XXXX the fair market value, leaving a balance for GAP to cover. I was repeatedly harassed by XXXX  because the GAP insurance payment was delayed. Eventually, the GAP insurance paid XXXX. Now I discovered XXXX filed a negative payment history on my credit report. I owe the nothing and do not believe they should be placing a negative activity repost against me.

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 2019-05-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH

Complaint narrative:
Im writing on behalf of my elderly/XXXX mother and father in law. 

In XXXX, XXXX ( XXXX ) was the servicer/ bank that held their mortgage. Due to major medical issues the kept my father in law from returning to the work force, and trying to avoid foreclosure they applied for a modification on the loan. XXXX, through a government program that was released in XXXX, granted the loan hardship/modification and fees etc were waived. They were to have a set mortgage payment every month without changing- something they could afford on their small fixed income. 

Since XX/XX/XXXX my Father in law is no longer in the picture.My mother in law took over the finances at the household and we were assuming she was doing fine. 

A couple months ago my mother in law came to us in a panic. She was about the lose the house and all her bills were or were about to be delinquent. After looking into we saw that at some point the loan servicer changed from XXXX and the new servicer SPS was charging her almost double then the modification agreement had stated. Plus they tacked on fees of close to 60k that was added with little to no explanation. 

I have called on MULTIPLE occasions asking for a copy of the modification agreement that was transferred from XXXX to SPS.I ahve also asked on multiple occasions for an explanation/ breakdown of added money. Through multiple recorded phone calls they have refused to provide either. They have supposedly looked everywhere for the modification agreement and it cant be found. Also they are refusing to send any type of explanation as to the money they have tacked on. 

We are looking to refinance the loan but the underwriters at XXXX XXXX will not move forward without the modification agreement or breakdown of the added funds. 

My ssenior/XXXX mother in law will foreclose and face homelessness  if this is not provided and taken care of right away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XX/XX/2019 I received two bills from Macys. one was regular statement the other was for an XXXX XXXX So I called and found out they transfered me to an XXXX  without my knowing it and said they sent me a letter. I never received a lettering stating this. I ask to have my Macys credit card that I've had for forty six years and they said no sorry we cant do anything about it cuz the letter stated this was going to have this happen. I DO NOT WANT AN XXXX. They said too bad it can not be reversed even thou I didnt know anything about it.Why should they be able to convert my card to an XXXX if I didnt want that. Macys is my card of choice.I view this as fraudulent practice. I never signed anything or saw anything about this. I just want my Macys card back! 
account # XXXX is my Macys  account # XXXX XXXX is XXXX I do not even like XXXX XXXX why should I be forced to take a credit card I never applied for?

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 2019-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Bass & Associates, P.C., Attorneys at Law
State: CA

Complaint narrative:
Below please find a copy of an email recently sent to the lender. 
As you may understand, student loans can be barriers to many things as they have an extremely adverse effect on ones credit. I would like more than anything to pay the amount off or begin making payments - but I can not because this organization will not answer the telephone. 
I encourage anyone in your office to try to make contact with Bass & Associatee, PC via traditional means and you will see that it is impossible. 

Any assistance you can provide will be very much appreciated. 

-Thank you I have been forced to write this email as numerous attempts to contact your organization via telephone have been unsuccessful. 

As recently as a few moments ago, my constant calls to your office have been ignored. There has been no option to speak with a person or leave a message, the only option is to be placed on hold for up to an hour or longer. 

This is unacceptable. 

The loan on question has had a significant and large, extremely negative impact on my life including my ability to rent a place to live. 

I am trying very hard to rectify this loan via payments ( installments or lump sum ) but I keep hitting a dead end due to your willful reluctance to call me, a person who should be treated as a paying customer. 

I request to be provided with a working telephone number of someone I can contact regarding this issue. 

A copy of this email will be forwarded to the Ombudsperson and to any overseeing entities which regulate the loan servicing industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: TX

Complaint narrative:
I submitted an official FTC Identity theft report to all three credit bureaus ( XXXX   Equifax, and XXXX ). I sent in my FTC ID Theft report, Local Police report, id, detailed letter, and all other documents stated necessary in the FCRA 605B. The documents were confirmed received on Tuesday XX/XX/2019 and signed at the USPS post office by someone named XXXX XXXX. 

In the detailed letter I included multiple accounts that were reporting on my credit history due to identity theft. Per the FCRA 605B, those items requested should be blocked as long as I met all the document requirements within 4 business days after the receipt of said documents. The FCRA 605B ( included in the attachments here ) specifically lists the documents that need to be submitted. I sent in all of those documents and they were received. HOWEVER, when I called XXXX on Monday XX/XX/2019 to check the status on the request, the Fraud department specialist, XXXX, let me know that the documents I sent in did not meet their INTERNAL requirements. When I asked her what she meant. She explained that even though the FCRA has their guidelines and documents listed in their 605B, the credit bureaus have their own internal requirements that have to be met. She proceeded to let me know that if those internal requirements are not met, it doesn't matter what the FCRA says. I asked her to let me know what " requirements '' I did not meet and she said that it is internal and she can not disclose what they are. I reiterated that I sent EVERYTHING per the FTC and FCRA, and she said that eventhough that is true, I didn't meet their internal requirements. I asked her multiple times to please tell me what they are, and she refused. Those fraudulent accounts were supposed to be removed on Monday XX/XX/2019 ( today ) and she let me know that Transunion will not block them because I didn't meet those requirements, and instead are doing regular disputes that will take 30 days to respond. 

I submitted EVERY document the FCRA mentioned. This is ridiculous that, even though she didn't SAY it, she implied that they are above the FCRA. They need to block those accounts in the list I sent them IMMEDIATELY. TODAY is the last day per the FCRA. It is ridiculous that they are shrugging it off as a normal " dispute '' when they don't want to tell me what the " requirements '' i didn't meet are! 

The same applies to XXXX AND EQUIFAX. I haven't spoken to them on the phone, but I checked my credit report for both of them today and the information has not been updated per the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 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: TX

Complaint narrative:
I submitted an official FTC Identity theft report to all three credit bureaus ( XXXX, XXXX, and Experian ). I sent in my FTC ID Theft report, Local Police report, id, detailed letter, and all other documents stated necessary in the FCRA 605B. The documents were confirmed received on Tuesday XX/XX/2019 and signed at the USPS post office by someone named XXXX XXXX. 

In the detailed letter I included multiple accounts that were reporting on my credit history due to identity theft. Per the FCRA 605B, those items requested should be blocked as long as I met all the document requirements within 4 business days after the receipt of said documents. The FCRA 605B ( included in the attachments here ) specifically lists the documents that need to be submitted. I sent in all of those documents and they were received. HOWEVER, when I called XXXX   on Monday XX/XX/2019 to check the status on the request, the Fraud department specialist, XXXX, let me know that the documents I sent in did not meet their INTERNAL requirements. When I asked her what she meant. She explained that even though the FCRA has their guidelines and documents listed in their 605B,  the credit bureaus have their own internal requirements that have to be met. She proceeded to let me know that if those internal requirements are not met, it doesn't matter what the FCRA says. I asked her to let me know what " requirements '' I did not meet and she said that it is internal and she can not disclose what they are. I reiterated that I sent EVERYTHING per the FTC and FCRA, and she said that eventhough that is true, I didn't meet their internal requirements. I asked her multiple times to please tell me what they are, and she refused. Those fraudulent accounts were supposed to be removed on Monday XX/XX/2019 ( today ) and she let me know that XXXX will not block them because I didn't meet those requirements, and instead are doing regular disputes that will take 30 days to respond. 

I submitted EVERY document the FCRA mentioned. This is ridiculous that, even though she didn't SAY it, she implied that they are above the FCRA. They need to block those accounts in the list I sent them IMMEDIATELY. TODAY is the last day per the FCRA. It is ridiculous that they are shrugging it off as a normal " dispute '' when they don't want to tell me what the " requirements '' i didn't meet are! 

The same applies to EXPERIAN AND XXXX. I haven't spoken to them on the phone, but I checked my credit report for both of them today and the information has not been updated per the FCRA.

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 2019-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: PA

Complaint narrative:
Many times since XX/XX/XXXX loan off forbearance and due to various messages and harassing phone calls to me and co-signer who is my mother we are not being heard. No options to repay loans at lower amount or release my mother as co-signer. She is on XXXX for last several years and has had many medical issues which are ongoing. During time loans were taken out my father also passed away and loans were based on his income. This has all been relayed to Discover Student Loans and asked to stop calls, etc. which have still not stopped. I offered to pay about {$50.00} each month, but they are not happy with this. Loan apparently is listed at default now. 
Will not see if hardships or changes can be made and state they do not do this for anyone. Mentioned what if someone sick or dies and would not answer this question. Even when I called XX/XX/XXXX and others times and mother XX/XX/XXXX, XX/XX/XXXX. Started calling XX/XX/XXXX to resolve or get help. 
Feel they are using this tactic to threaten us. I can not get by with all my other bills to pay the monthly bill. Put this in writing asked asked to handle by higher up department or CEO and they would not confirm who has read the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I have attached the actual report i received from the company. I have a lot of things that are not correct and im disputing. Anything I have stated needs to be deleted should be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: TN

Complaint narrative:
I have noticed experian reporting an inaccurate late payment on my credit report. The account XXXX account number XXXX is showing a status of paid, was 30days past due with a late payment XX/XX/18 ... i have a print out of all of my monthly payments ( at the time my due date was the 3rd of each month ) as will b shown i made XXXX payment ONTIME ( b4 30days past due ) ive tried several times to dispute the inaccurate information and it always comes back verifiedIM SURE XXXX HAS NOT VERIFIED ANY NEGATIVE NOR FALSE INFORMATION, thanks for your prompt attempt to this matter please correct this information AS SOON AS POSSIBLE as it is affecting my credit score and rating

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 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have 2 inquires XXXX XXXX XXXX XX/XX/2019 and Transunion XX/XX/2019 2019

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 2019-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo has refused to communicate with me regarding my being a victim of Fraud and also Identity Theft on their service. Because they say I'm not a customer ( I'm not ) they will not give me any information. I have filed a case with my Bank who has now closed the investigation with a finding of fraud. Venmo claims that's the end of it because in their POV, the Bank is standing and I do not. 

At their insistence, I have filed a police report. The report names me as the victim of Identity Theft. Resolving any claims with my bank is no longer an excuse to ignore me. 

Now their excuse is that " I'm not a customer '' i.e. I haven't ever agreed to their terms and conditions, which undoubtedly states they won't communicate with anyone but law enforcement on such matters ( which is how they are now obfuscating the process ). Thankfully, I never agreed to their terms and therefore I'm not bound by them. 

I have repeatedly made Venmo aware of the facts, the bank investigation, and the police report regarding my identity theft, yet they refuse to talk to me or even return my communications. 

I'm now re-filing my complaint with the CFPB to now include Identity Theft, and more specifically, I'm naming Venmo as a party to that crime since they refuse to discuss the issue and provide any documentation on the crime. 

Why does the government allow companies like PayPal/Venmo to hide behind these avoidance tactics? They are complacent in a crime. I'm the victim here, not them. 

I demand to be heard and my case resolved. Paypal Lawyer Mr. XXXX is utterly unresponsive and should be held to account.

Company response to consumer: Closed with explanation