vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I took out a home improvement loan at BBVA Compass in XXXX. I filed bankruptcy in XXXX and included this loan. However, Compass told me that if I didnt pay off the loan I would have a lien on my house. Therefore, I continued making payments despite the bankruptcy. In XXXX, I asked to settle the loan for an amount less than the balance, and the offer was accepted by XXXX XXXX at BBVA Compass. I made the payment for the settled amount. I asked for BBVA Compass to update credit report, which they agreed to but never did. In  XX/XX/XXXX, I received an email from XXXX XXXX stating the account had been settled for less than the full balance with no obligation effective XX/XX/XXXX. However as of this complaint the mechanic 's lien is still on my title and not allowing me to refinance my mortgage. I 've made SEVERAL attempts by phone, and no one ever calls me back. Then I received an email XXXX XXXX XXXX stating the lien would not be released until balance was paid, the on the same day at XXXX XXXX got email saying lien will be released, it ould take up to 3 days and up to 30 for court to process. Then XXXX XXXX at XXXX anothe email saying they are not releasing until balance paid. The on same day at XXXX another email saying it would be released but would take 5 days and XXXX for courts to process. No one answers my phone calls despite many calls and messages left. This has caused much stress and its keeping me from being able to proceed on my refinance. Please help me get this lien removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX. XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX AUTO FINANCE Inquiry Date XXXX, XXXX XXXX. XXXX MORTGAGE via XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX CO Inquiry Date XXXX, XXXX XXXX. XXXX XXXX XXXX via XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX Inquiry Date XXXX, XXXX XXXX. FXXXX XXXX XXXX Inquiry Date 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 2017-11-13 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: FL

Complaint narrative:
I sent a dispute letter to transunion on XXXX XXXX, XXXX, tracking number # XXXX in regards to a few accounts on my report that are inaccurate. They received it on XXXX XXXX, XXXX. Transunion failed to verify the accounts with adequate proof, with my signature, that these accounts belong to me within the 30 day time frame. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, Transunion was unable to provide me with a copy of the verifiable proof that they have on file for the accounts listed within 30 days of receipt of my letter, and they must remove these accounts from my credit report.

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 2017-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I c systems is contacting me for a debt that is no longer with Ic systems the debt now has been transferred to XXXX XXXX XXXX I have asked Ic Systems to stop calling me more than once I asked that they only contact me through the mail only the debt is no longer Ic IC systems debt please stop contacting me please

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 2017-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northeast Recovery Solutions, LLC
State: VA

Complaint narrative:
I receive several calls a day from this collector. They are also contact my family members at work and on their cell phones phones after I have repeatedly asked them to stop but they have refused. They have also stated they are with the City of XXXX Court Systems and that I was being taken to small claims court. I have told them that I was dealing with a settlement company and they would need to contact them. They would n't let me speak kept cutting me off very rude and when I told the manager the ways I was being talked to and the lies I was told she told me that it could do it.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Over the course of the last couple years, as you will see if my numerous CFPB filings/complaints, I have been a victim of identity theft. It has now come to my attention that recently I have had multiple other fraudulent accounts now appearing on my credit report. In addition, I have also seen that multiple accounts that are reporting on my behalf via all ( 3 ) credit reporting agencies ; XXXX, XXXX  and Experian are now reporting extremely inaccurate ban ] lances and pay history accordingly. 

I have not been disputing any of my accounts over the past 6 months because for whatever reason I have been unable to obtain a credit report and also have not been successful getting in to my online monitoring services. Of course, these are both separate issues entirely. However, upon further investigating my reports, particularly Experian in the last couple of weeks, I have noticed of plethora of items of concern. I have also received documentation via email, mailed collateral etc., from XXXX  claiming that I was one of the millions apparently breached in the XXXX security breach a couple months ago. I am concerned that this is one of if not the sole reasoning for several of these both fraudulent accounts and some unauthorized charges attacking accurate accounts on my behalf. 

The following is a breakdown of the accounts that are either fraudulent and or reporting inaccurate balances and pay history for the " accurate '' accounts. 

( FRAUDULENTLY OPENED ACCOUNTS ) 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX Acct : XXXX 6. XXXX XXXX XXXX XXXX Acct XXXX 7. XXXX XXXX XXXX XXXX $ XXXX limit 8. XXXX  XXXX XXXX ( COLLECTIONS ) * XXXX XXXX XXXX XXXX. 
Acct : XXXX Client : XXXX {$8300.00} ( INQUIRIES ) * XXXX XXXX XXXX XXXX, 2017 UNAUTHORIZED CHARGES AND INACCURATE PAY HISTORY. These accounts are mine, but have had unauthorized charges and subsequently are reporting inflated balances and pay history inaccurately. 

1. XXXX / XXXX XXXX * not 120+ days past due, balance should be {$8800.00} Please note that each individual creditor has been contacted by me via phone calls and certified letters to no avail. I would greatly appreciate your helping me with these matters accordingly.

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 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I bought a power supply from XXXX XXXX with my Chase Credit Card because of all the alleged protection services, but I was n't able to return it to XXXX XXXX because they limit returns to 15 days. Chase offers protection for purchases for returns up to 90 days, so I contacted them. They told me to file a claim at their external website. So I did, after I did, it said It 'd take up to a week for them to respond. Two weeks passed, no response, so I emailed them, and they said 3 business days, yet still no response after 2 weeks. I called them, and they looked up my case and the rep was completely unhelpful. I asked how long it 'd take, it 's been a month, she said I do n't know. I asked for an ETA she said a week so I left it at that. It 's been an additional two months and they never reached out to me, never responded to my email, and nothing has been done. I looked up their return protection services online and it seems to be just a sham and false advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XXXX XXXX, XXXX, I called XXXX Vacations and purchased an all inclusive stay at a resort XXXX nights. I was suppose to receive an email with the receipt and access to book to the hotel. I never received the email. I called the merchant few times to verify my information and the guy on the phone kept telling me that it will come, it will come etc. It never came. I noticed the charge on my account and immediate report the activity to Wellsfargo.
Wellsfargo told me that since they received a sign contract that I was liable for the charge. I never signed any contract. I never received any email. I call Wells Fargo has the card cancelled and proceeded with there dispute department ( all of which they claim is recorded and document ). The lady on the phone told me that " no one would care that Wellsfargo was stealing from me. '' Please see the attached. 

My signature is very distinct. I have worked on it since I was XXXX years old. The loops in the cursive XXXX XXXX I get from my mother. My bother also does the same thing. Please see attached.

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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX AUTO FINANCE Inquiry Date XXXX, XXXX XXXX. XXXX MORTGAGE via XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX CO XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX via XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date 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 2017-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
DIVERSIFIED CONSULTANTS IN is reporting a collection on my account which has already been paid. Back in XXXX XXXX, DIVERSIFIED CONSULTANTS IN agreed to delete my account when it was paid. I believe it was called a pay for delete. I checked my credit the other day and found they are still reporting this account in collection. Per our oral agreement I would like DIVERSIFIED CONSULTANTS IN to remove this account from my credit file.Please assist in getting it removed my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America did not produce a title in a timely fashion resulting in a higher rate of interest on a mortgage loan refinancing. 
We purchased property from the Veterans Administration in XX/XX/XXXX under a land contract. The land contract at the date of purchase was serviced by XXXX XXXX XXXX with an interest rate of 6 %. Years later, the servicing of this loan was transferred to Bank of America. 
We applied for refinancing of this loan with XXXX XXXX XXXX XXXX in XX/XX/XXXX.  We completed and submitted all required documents within the following two months and our request was approved with an interest rate of 4 %. The closing date was set for some time in XXXX. 
The closing did not take place in XXXX. We were then told by XXXX  XXXX XXXX XXXX that we were waiting for a title to be generated by Bank of America and this would take approximately 2-4 weeks. 
After four weeks the Veterans Administration was contacted to ask why we could not get a title for closing and if there was anything the Veterans Administration could do. We were told by the Veterans Administration that Bank of America was responsible for producing a title. 
HUD was also contacted regarding the inability to get a title. HUD recommended that we contact XXXX XXXX of XXXX Michigan. The XXXX XXXX of XXXX Michigan indicated they would investigate the issue. They were no help, citing the XXXX water crisis was taking much of their time. Bank of America never produced a title. 
There was constant communication with XXXX  XXXX XXXX XXXX as they continued their effort to get a title. In XX/XX/XXXX, Bank of America transferred the servicing of the loan to XXXX XXXX. XXXX indicated that they would produce the title. 
XXXX XXXX XXXX XXXX then indicated that the process had to start over. We again completed documents and was told it was approved with an interest rate of 4.6 %. Shortly thereafter XXXX XXXX XXXX XXXX indicated that if a {$1500.00} tax bill were paid we could get the loan for 4.3 %. Money was borrowed to pay the bill. The closing took place with an interest rate of 4.3 %.

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 2017-11-13 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: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
CAINE & WEINER XXXX INSURANCE XXXX XXXX, XXXX Original Balance {$410.00} Past Due Amount {$360.00} Account is not past due and the company stated they would not place in collections once an agreement was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
The company Cavalry Portfolio Services, which I hold no contract nor have received any services from is reporting a collection account again my social security number in the amount of {$6700.00} with XXXX, XXXX and XXXX credit reporting agencies. 

In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested Cavalry Portfolio Service provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt. ( see attached ) I requested Cavalry Portfolio provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. 
The agreement bearing my signature stating that I agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state, and Your license numbers and Registered Agent As of today XXXX Cavalry Portfolio has failed to provide me with adequate documents to verify that I owe the said debt. ( see attached from Cavalry ) I have made several attempts to contact the credit reporting agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX and most recent XXXX/XXXX/XXXX and each agency refuses to remove ... indicating Cavalry refuses. 

I would like this company Cavalry Portfolio Service to remove/delete the negative report against my SSN with all credit reporting agencies in regards to the laws and regulations of the FCRA. Under the Fair Credit Reporting Act, 15 U.S.C 1681g ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My home mortgage is with Wells Fargo. I notified Wells Fargo in XX/XX/XXXX that I was put on XXXX in XX/XX/XXXX and I had executed all savings to provide for my family. At that time Wells Fargo stated a home modification was the best way to get caught up for the couple months I was behind. I completed the trial period as they asked even though my income was less than half of what I needed to qualify for the original loan in the first place. I then waited for new paperwork for over 45 days. The first set came. HUD partial claim included arrears as if I never made any payments on the trial or after while I was waiting for paperwork. I called and Wells Fargo agreed there was an error and said they would investigate. Two weeks later I received a call from the executive office stating the problem had been corrected and new loan docs were being drawn up. Second set of paperwork received the next day and the error was NOT corrected but also increased by {$6400.00}. I called and have been asking for a financial printout and asking where all the payments are that I have made since XX/XX/XXXX of {$1500.00}. The rep argued and stated it was credited to the principal. I stated it wasnt and even if it was Wells Fargo cant recharge me for arrears on months I paid and was not in arrears. They still have not corrected and now keep stating I must not want the modification since I wont sign for the extra charges. Then I received a notice in the mail about a forbearance plan option, this was NEVER EVER offered to me. I have had no income since XX/XX/XXXX effective date and Wells Fargo is trying to strong arm me into signing for double arrears charges and hiding them in my HUD partial claim. I am entitled to this forbearance program and also if they are going to charge me for arrears as if I have not made a payment in a year then I want my {$8500.00} back!!

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 2017-11-13 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: FL

Complaint narrative:
I sent a dispute letter to Experian on XX/XX/XXXX, tracking number # XXXX in regards to a few accounts on my report that are inaccurate. Experian received my letter on XX/XX/XXXX at XXXX. Experian failed to verify the accounts with adequate proof, with my signature, that these accounts belong to me within the 30 day time frame. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, Experian was unable to provide me with a copy of the verifiable proof that they have on file for the accounts listed within 30 days of receipt of my letter, and they must remove these accounts from my credit report.

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 2017-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I took out an {$800.00} loan through Big Picture Loans. I spoke with a customer service representative on the phone before taking out the loan, and was informed that my total pay off of the loan would be a reasonable sum just over {$1000.00}. Once the loan was approved and the funds deposited to my account, the loan documents became available showing that they are charging me an interest rate of 697.0935 % interest and the finance charge is {$2000.00}, which I never would have agreed to had it been disclosed to me by the representative. Instead of the monthly amount of {$210.00} that I was made to believe would come out of my account, they are charging me {$210.00} every 14 days where nearly {$200.00} of that is going directly to interest. To date I have made two payments and have paid {$380.00} in interest and {$46.00} to the principal. This is an outrageous amount of interest and is illegal. For an {$800.00} loan, I will end up paying nearly {$3000.00}. I am fine to pay the remainder of the original loan with a legal interest rate. However, I will not continue to pay an illegal amount of money to a company that is scamming people. I have been researching this company and have found that there are numerous complaints about this illegal activity.

Company response to consumer: Closed with explanation