vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I found out that someone hacked in my account and charged {$80.00} on chsrges that i dont authorize.on oversea on dating site in XXXX which i didnt authorize and the bank which bank of america debit would nt give the money back into my account i have told them that i didnt authorize these transaction. They want to close out my card and they wont give a new card which paying for it. As i tryed to explain to this rep who is very rude and they accused me of spending my money on this and trying to scam the bank. I didnt authorize this charges i have no need or desire to sent money on a web site.i have a wife and i dont need a women. Now their wont give my money back .i have been talking them until am blue in face and so upset about this issue i just want my money back. This my money that i worked hard for.I dont understand why i cant get my money back. I have never heard of a bank doing this

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 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Adjustment Service, Inc.
State: AL

Complaint narrative:
I have NEVER had an account with XXXX or XXXX as far as cell phones! However I did have an account with XXXX XXXX XXXX for my home service and it has been paid in full and I've gone to a different carrier yet this still keeps showing up on my credit report even after it was removed it has showing up again and this is Been from 2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I was notified that I had a negative report on CFPB. Don't know who or what the report is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank approved my loan modification agreement on XX/XX/XXXX This began a three month trial period in which each required payment of {$2600.00} was made on time. During this time the Bank notified the Credit Bureus that my payments to the original mortgage were not being made which lowered both my wife and my credit score by XXXX points! 
I was never informed this would happen and only found out checking my credit. The loan modification approval happened on XX/XX/XXXX with all required signatures dated XX/XX/XXXX. Now after repeated letters to US Bank and many phone calls requesting the Bank properly notify Credit Agencies no such action has happened. Both my time and XXXX on my wife and I in not bending able to move forward with new financial matters is why I request your assistance.

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 2019-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My name is XXXX and I have a Title Loan with the company Wilshire Consumer Credit based in XXXX XXXX, CA. I opened a new loan back in XXXX of XXXX with a balance that is logged of {$11000.00}. I've paid numerous of payments that is {$570.00}. Sometimes I split it and paid two payments to make the {$570.00} payment of the month. What I'm concerned is that it is now the end of XX/XX/XXXX and my current balance left is {$11000.00}. They have gotten thousands of dollars from me with no relief of my title loan debt and will be stuck with it longer than it will. Please help me and find out what is going on that they are doing these practices of NOT paying down your principal and instead paying into interest to GAIN for the company by making profit for themselves. I feel that I am not the only one going through with this. My vehicle has over XXXX miles. How bout if one day my car breaks down and I am still stuck with this debt. That is NOT fair. I need help and resolve this loan issue. I am an honest consumer and want what is fair. I feel like I'm being taken advantage. I'm a single mother and widow with XXXX teenagers. 

Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: VA

Complaint narrative:
In reference to my previous complaint no XXXX, Equifax sent me their response regarding the non-existent account I was complaining about. They claimed that they " contacted the data provider and verified this account ''. Such action would be impossible since there is NO DATA PROVIDER they can contact. XXXX XXXX, who was my Mortgage company, went out of business in XX/XX/XXXX and THERE IS NO WAY POSSIBLE TO CONTACT THIS COMPANY. THIS CONFIRMS THEY LIED. 

This is a serious violation of my credit rights to have accurate, verifiable information in my credit report. They are lowering my credit score by claiming I have this non-existent " Personal Finance Account '' which can not be verified. 

No credit bureau is allowed to report an adverse account with a company that is no longer in business!! And, I am tired of requesting the removal of this false information and their constant LIES. 

They have been reporting this and damaging my credit since XXXX!! PLEASE HELP ME. THEY WILL NOT LISTEN TO ME AND ARE VIOLATING MY RIGHTS AND DESTROYING MY CREDIT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today I called Lobel Financial to inquiry about settling a lien I had. While coming to an agreement on the phone Lobel illegally, without verbal or written consent pulled a hard copy of my credit report. When I noticed what they'd done I called several times and asked Lobel to remove the unauthorized inquiry as it damages my chances to obtain future credit. Each time they hung up in my face without an explanation on why they were illegally obtaining my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
So this all started on the XX/XX/2018 and that's about the time they sent me several letters they had called me several times but never left a message to let me know that it was them I think that was to do with the law or something but the whole matter is that the day of the court case which was of XX/XX/2018 when that was filed well we had made arrangements before it had to go to court like it did and I had been trying my best to she thought in contact with them and we came up with paying {$30.00} each week I was doing that and this process I get another thing saying that the court case was still happening to my knowledge I was told that it wasn't going to happen I called them I asked them about this they said do not worry about this they said in this case you do not have to go to court because we've already made payment arrangements on this and you have been paying at this time like you should so I've been paying and then I get another one a week later from the first one that I got stating that now to court case has gone through seeing how I did not show up that I lost the case I was told by these people that I did not have to show up to the case because everything was taken care of they lied to me about this in the end they are garnishing my wages which whatever the whole thing is that they tacked an the whole thing is that they tacked an extra {$450.00} on what I already owed them after I just paid off {$550.00} but they had already been paid out is a $ {$1400.00} bill so with that I just found this page and read everything and saw that oh my God they can't do this so that's why I'm getting a hold of you please look into this case XXXX XXXX XXXX is the attorneys that filed this through a place called Portfolio Recovery XXXX XXXX is who had the debt at the time the original debt comes from MasterCard credit card something that happened 7 or 8  years ago I'm not sure but there's one thing that I know is that they lying to me about this and now that I see that they can't get away with that that it isn't law that they can not lie to you which I did not know I thought they could do whatever the XXXX they want if you owed something somebody II do anything they want I did not know that there were stipulations on this so that's why it took me so long to get a hold of somebody

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ks XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you updated that these items are being reported correctly? Who verified these accounts? 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all  information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX account # XXXX Unverified Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/2019 I went to the bank and deposited checks which added to {$400.00}. I looked in my checking account later and saw that {$200.00} had been subtracted. When I made inquiries at the bank regarding about the {$200.00} I was told that they could only account for {$200.00}. I was asked if I had scanned the checks or knew who had given me the check and I told them I have been banking at BoA for over 20 years and was not ever told I needed to scan the checks. I received the checks while at a conference and I do not know all the persons who gave me the checks. I asked if someone dropped or lost my checks before they scanned them and I was told no. I have a receipt showing what was deposited and I think some numbers had to been put in to show how I got the receipt. I was told that the tellers never put in the numbers and they just enter what ever the customer states on the slip. I put in a complaint and XXXX of the business office told me I me that I needed to go to the Bank where the transaction took place, speak with them about the problem. I returned to the bank and was told by Ms XXXX that the tellers do not enter the checks just the number that person said they were submitting. The bank sent me copies of the checks they could account for from me. I did notice that the deposit slip they sent as what I turned in was not the one I filled out. It was a form someone else submitted showing just the {$400.00}, not the listing of checks that I filled out on the form. I would like to get the return of my money if possible. I still have my receipt and the copy they sent me regarding this issue. I can not understand how I can be held responsible for this problem and no one taking account the bank could have made an error. My missing checks could have been dropped or misplaced. I do not know how to scan the papers to you but I can put them in the mail if it will help. Is there an address and person where I can send the copy of my receipt and the letter I received?

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 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I just got a letter in the mail about the data breach for Capital one. I have a Case no. and I have just still trying to get things straight after the XXXX   breach. 
I want to know why nothing is being done to protect me from this again So now my information is out there for thieves again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 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: KY

Complaint narrative:
I have sent several dispute letters requesting the removal of inquiries that were not authorized. The last one being XX/XX/2019 with no luck in have anyone look into this matter. So today XX/XX/2019 I called and the person that claimed to be a Supervisor/Manager refused any help outside of me sending a letter. I advised i had received several emails about my info being compromised in a security breach but they refused any further assistance and was rude. I asked to be transferred and was denied. So of course nothing was done to correct my issue/dispute.

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 2019-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was recently scammed and my bank will not work with me due to being the one who gave the scammer my information. I didnt know the person was a scammer they said they worked for a relief fund that helped low income families with emergency funds and I explained that to my bank. My bank is Navy Federal Credit Union. The two amounts were XX/XX/XXXX {$2400.00} and XX/XX/XXXX {$2500.00}. Both amounts were posted on my account but they bounced back because they were fake checks that the so called relief fund representatives deposited into my account. The scammer requested the money to be sent back and i didnt ask questions I sent it through XXXX and XXXX. My bank wont even help me I dont know what to do my husband is XXXX XXXX military we can not afford to pay all of this money back to my bank. I need help and the bank wont help me even though im a victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I opened a checking account with MoneyLion on XX/XX/2019 to take part in their 'pave the wage campaign which offered a bonus of 17 % of your direct deposit ( Up To {$590.00} XXXX after opening an account, opting in and maintaining direct deposit for 90 days. I opted in through money lion app and have setup a direct deposit though my employer since then and has been receiving it in my MoneyLion account for last 5 months. Even though I have met the terms for bonus, I have not received it. So I called MoneyLion customer service on XX/XX/2019 about this and the agent verified that i have qualified and he is going to escalate this case to a supervisor. I did not hear back from MoneyLion for 3 weeks and so I called again today, on XX/XX/2019, and was told this case is still pending for escalation and they do not have an ETA on when this will be resolved and I will get my sign up bonus.Please look into it so that Money Lion will honor original terms of promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
On XX/XX/2019 I emailed the bank to potentially change the due date for my payment. The Due date for the payment is XX/XX/2019. I emailed the bank due to horrible inbound customer service. The bank did not respond until XX/XX/2019. I asked for a change in due date of the XXXX of every month. They provided me with the following options XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I am very confused as to why they provide an option in the first place an not let a customer choose the date instead. I responded to the email on the XX/XX/2019 with the XXXX will be ok. On XX/XX/2019 they responded with an email saying that they could not accommodate my request. Not only could they not change my due date they are charging me a {$28.00} dollar late fee. I made an attempt to get the late fee waived but they are telling me I am not qualified for the waiver. Also, I made a payment on XX/XX/2019 after they told me that I could not get the late fee waived. I find that this bank is not willing to assist a good customer that is only attempting to avoid a late payment. I am very dissatisfied with this bank.

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 2019-08-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is failing to comply with section 609 a/1 of the FCRA. I am requesting the original consumer signed contract for 4 accounts on my credit report and they are failing to comply. XXXX XXXX XXXX and financial recovers are failing to comply as well. I have tried for over a year to obtain this information and there has been no success in receiving such 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 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I just got a letter in the mail about the data breach for XXXX XXXX. I have a Case no. and I have just still trying to get things straight after the Equifax breach. 
I want to know why nothing is being done to protect me from this again So now my information is out there for thieves again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Select Portfolio Servicing ( SPS ) wrongfully denied mortgage assistance ( loss mitigation ) we filed on XX/XX/2019 while violating RESPA loss mitigation laws. 
SPS denial letter of XX/XX/2019 ( attached ) stated Insufficient payment reduction. We are unable to offer you this program because in performing our underwriting of potential modification we could not reduce your interest and principal payment Same SPS letter of XX/XX/2019 letter listed only the following net present value ( NPV ) calculation inputs/assumptions : one numeric input ( property value ) and one unexplained valuation code ( DRVB ). 
The number of inputs cited above, allegedly used by SPS for loss mitigation NPV calculation, is inconsistent with much larger number of inputs typically needed to perform a loss mitigation NPV calculation. 
SPS did not disclose all inputs/assumptions to the net present value ( NPV ) calculation used to deny our trial or permanent loan modification eligibility as required by RESPA and CMR law. 
12 CFR 1024.41 ( d ) ( 2 ) RESPA states : If a trial or permanent loan modification is denied because of a net present value calculation ( NPV ), the specific reasons in the notice provided to the borrower must include the inputs used in the net present value calculation. 
Additionally, 209 CMR56 requires that an NPV calculator approved by the Division of Banks, such as FDIC or HAMP or equivalent are used for loss mitigation NPV calculations. FDIC and HAMP calculator requires approximately forty or more unique inputs/assumptions to perform NPV calculation.

Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. 
SPS response to CFPB complaint XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and XXXX CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation