vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I used the BBVA app to make my loan payment on my car, {$290.00}, on XX/XX/2018. As is standard practice, I received a confirmation code to use to submit my payment. Because of the holiday the payment dud not pist immediately to my checking account. Finally, on XX/XX/XXXX I was horrified to see there were 3 car payments in pending status on my bank website. My balance was overdrawn by more than {$400.00}. I immeciately called XXXX. The rep took my number and assured me only 1 payment would go through. He said he would call me back that day as well. I also called my bank, XXXX XXXX. They told me since the transactions were in pending status they could be cancelled by the merchant so to wait for 24 hours and call back if needed. Today, XX/XX/XXXX, I saw that in spite of my their error, BBVA had processed all 3 payments! My checking account balance was almost - {$500.00}. I called them again, irrate. I received the same promise that paperwork would be sent up the ladder, and eventually a check would be remitted for 2 payments and mailed out to me. In spite of me demanding it be electronically deposited back immeciately into my account, they insisted that could not be done and it would be over 10 days before a check could be mailed. I called XXXX XXXX to update them on the reason for my increasing negative balance. I have other bills and automatic payments coming through my account and dont want them rejected, or my account closed. They are aware of the horrible position BBVA has put me in and will hopefully make the automatic payments as they come in in spite of my growing negative balance. The overdraft fees are astronomical, in the meantime. I pay my bills on time and did nothing wrong. BBVA took 3 payments from my XXXX XXXX checking account and put me in a desperate financial predicament. I have no money to buy food for my children, gas for my car, or pay other bills. I am at the mercy of BBVA until they decide to mail me a check. They claim they can not electronically refund my money even though they took unauthorized payments from my checking account. I dontmake a lot of money but Ive always been able to meet my responsibilities to my children, my creditors, and landlord ... until this week. Im pleading for your help and thanking you in advance for anything you can to do help me. I dont know where else to turn. I dont know if I can recover from a financial blow like this. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-07 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: FL

Complaint narrative:
After reviewing my credit files, on XX/XX/2017 I wrote to XXXX XXXX a collection company reporting account number XXXX and disputed the account reported on my credit files. I explained to the company that this account was unknown to me and I required full validation of this account. I believe that my personal information was used to obtain accounts with out my consent and it is for this reason I need to know the full details of how this account was opened by XXXX XXXX ( please see the attached copy of the letter sent ) and received no response. 

I then wrote to the credit bureaus and see why the account is still reporting inaccurate information about me and received no response. 

I request the assistance of the CFPB in the communication of my 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 2018-09-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been disputing a portion of a charge with Bank of America on purchase of {$190.00} for the past month with no success. I have advised Bank of America on numerous times that I have not received or singed a receipt from the merchant on this transaction and I only remember spending about {$79.00}. Bank of America refused to ask the merchant to produce a signed receipt for the charge and credit the unauthorized amount back to my account. I think bank of America is in violation of my billing rights under Reg Z

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 2018-09-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have never done business with Transworld Systems Inc. I do not have a signed contract with Transworld Systems Inc. I am not liable for collection from this debt of {$1400.00}. Transworld Systems Inc did not notify me in writing 30 days before submitting this debt of {$1400.00} on my credit reports. I reached out to ask Transworld Systems Inc for validation of debt which is my right. Transworld Systems Inc sent me a copy of a statement for XXXX XXXX and to the address XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, Tx XXXX. That is not my address nor my name. The statement provided by Transworld Systems Inc does not include my signature showing I, XXXX XXXX, have ever done business with them. Please remove this inaccurate information from my credit reports. Transworld Systems Inc needs to respond with me and handle all matters of this situation through the CFPB portal ONLY. Any other communication is inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The J. G. Wentworth Company
State: VA

Complaint narrative:
XX/XX/2018 To : CFPB To Whom it May Concern, I am very upset at how my mortgage process was handled by XXXX. XXXX.Manager XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX used a tactic called BAIT AND SWITCH on me. When I started my mortgage I was locked in at XXXX % with point. When I finished 4 months later my interest rate was XXXX XXXX with XXXX points. I needed two extensions from HUD which cost me an additional {$700.00}. My mortgage process should never have taken 4 months. 

The conventional mortgage was changed to a Construction/ Home Improvement Mortgage. The time extension that XXXX. XXXX caused was based on their report stating that the living room/ dining room/ kitchen floor, basically the whole house floors were in need of repair, the total cost being {$7400.00}. 

The floor did not need to be repaired. In doing my research the previous owner had 4 dogs ( XXXX ) what happened was these dogs XXXX  all over the floor which caused an odor. I repaired by encapsulating the oder area with XXXX and XXXX paint. My total cost was {$200.00}. The reports writer never mentions dog XXXX in any report and that was the problem all along. 

Both XXXX. XXXX and manager XXXX XXXX, are both accountable because of their incompetence extended the mortgage so that I would pay the higher interest rate and additional fees. That is the BAIT AND SWITCH. 

When looking at the documents I submitted, you will see why they misrepresented themselves. 

Thank you for your cooperation in this matter. 

Respectively yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CL Holdings LLC
State: KY

Complaint narrative:
( 1 ) On XX/XX/XXXX I purchased a car and got a loan through XXXX XXXX XXXX XXXX ( XXXX ). ( 2 ) On XX/XX/XXXX I voluntarily surrendered this car to the lender, however, it took XXXX four months to pick up the car after I offered to turn the car in to them. I'm sure they were adding interest and late fees during this additional four month delay. ( 3 ) XXXX was required to send specific notices to me, under state law, which I never received. ( These notices are itemized in a letter I sent to XXXX on XX/XX/XXXX ). I never received any documentation as to the amount the car was sold for, how much was credited towards my loan or any details on the exact amount of the loan that was still due. ( 4 ) On XX/XX/XXXX an Order of Dismissal was issued by a Kentucky Court on the referenced loan. This is the first time I was notified that XXXX had taken legal action against me in the first place. ( 5 ) On XX/XX/XXXX I met with a military financial counselor who helped me prepare a letter to send to XXXX. I mailed the letter USPS certified return receipt and never received a response. The letter is attached ( item 5 ). ( 6 ) After no response from XXXX, I pulled my credit report and noticed that XXXX XXXX out of XXXX XXXX, MN is now collecting on this car loan. I have not received any notification from XXXX XXXX. ( 7 ) On XX/XX/XXXX the military financial counselor helped me prepare a letter to send to XXXX XXXX to request validation as to their claims. 30 days have past and I have had no response from XXXX XXXX. This letter was mailed USPS and I have proof of delivery ( attached item 6 ) ( 8 )  Today I am sending a second letter to XXXX XXXX ( attached item 7 ). ( 9 ) Proof of USPS delivery is attached as item 8.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I applied for a loan modification today and SPS would not talk to me about the modification. The representative stated that he referred my account to a foreclosure attorney. SPS is practicing dual tracking. This is illegal and I think that SPS is doing this to me because Im XXXX XXXX. My constitutional rights have been violated. I would like to be offered a modification l like the other XXXX   people in my neighborhood. Also, please know that my home is tied up in litigation and thus SPS can not foreclose on my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I sent money to Coinbase from my bank account which records show was transferred on XX/XX/2018 to purchase digital currency. 
The Company say 's it takes about 3 days after clearance to make digital currency available. After several days my account shows that funds would not be available for 30 days. I contacted Coinbase by email and after a few attempts was told they would investigate the matter. Problem not solved. I was requested to upload for the second time photo identification and drivers license identification which I did successfully as in the first instance. 
After a couple of days my account shows that the funds would not be available for 70 days. Up until now as you will see by the email exchange that no explanation was given as to why this has happened. 
After several more email exchanges with no explanation of when my funds would be made available I sent an email requesting that my account be closed and my funds returned. After 3 days I received no response so on XX/XX/2018 I made a phone call and and spoke with an agent explaining the problem. He went through the email exchanges and acknowleged the problem but could not offer any reason for my funds being tied up so long and requested that I submit another identification verification by uploading my photograph and drivers licensce for a third time. I informed him I would not do this again and let him know this was a courtesy call as a follow up to my last email that I wanted to close my account and the the funds returned. I was informed he could do nothing more for me. I let him know I would make a formal complaint to the proper agencies and he gave me the address to Coinbase Legal Dept. 
I am simply seeking to have my money returned. It is totally unfair for them to confiscate my funds for this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: IQOR US INC
State: TX

Complaint narrative:
My Name is XXXX XXXX XXXX, with defaulted Student loan, however l am currently making monthly payment under federal government assisted consolidation program unknown to me .l did not realizes that certain portion of my defaulted loans is with this Allied Interstate Debt collecting Agency, this company started garnishing my wages without proper notification thereby causing hardship on me on my family. this Company refused to work with me despite all my efforts with tears on my eyes begging, this Allied interstate to stop making my life and that of my family miserable, l have two son in college and two aged parents with me. 
XXXX is currently handling my student loans with XXXX dollars month please stop this harassment and hardship allied is mounting on me and my family. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
XXXX and sourcerm. Wow. What can I say. We terminated our XXXX contract after fulfilling our two year contract. Im sure that sourcerm  isnt the first company that XXXX tried to sell this debt to. There is a {$3000.00} amount sent to collections. This was not supposed to happen according to XXXX, when we switched carriers. XXXX was angry, upset and frustrated that they were losing a valued customer that paid thousands of dollars over YEARS. According to XXXX, we were all set. Done. Paid in full. Phones were not to be returned because of the damage and wear to them. How on earth is a clerical or accounting mistake on XXXX  part a problem that I should have to suffer through?!? I have disputed this with all credit bureaus and am at the end of my rope. This goes all the way back to XX/XX/2017 and can not get an answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I reported this issue with Equifax before that they keep reporting wrong last name in my credit report as XXXX XXXX instead of only XXXX XXXX. I submitted documents which shows only XXXX as my last name not XXXX and I wanted that wrong spelling last name of XXXX XXXX to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified of a fraudulent inquiry to her XXXX credit report XX/XX/2018 made by American Express ( AMEX ). An official dispute of this fraudulent inquiry was sent to AMEX XX/XX/2018. A letter from AMEX was received by this office stating " does not contain sufficient information to conduct reasonable review ''. In the dispute AMEX was provided a notarized POA, FTC fraud affidavit as well as a police report, photo ID, SSC and utility bill. These items are more than enough to conduct an investigation of ID theft. This inaction is a violation of the FCRA and a violation of my clients federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter from a department store - informing me that they will reduce my credit limit if I don't make a purchase in 2 months. Not sure if this is legal, but, I feel they shouldn't threaten to reduce my credit limit, which was based primarily on my excellent credit history. If I don't have a need to purchase anything, why should I be penalized for not using it.

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 2018-09-07 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: LEXISNEXIS
State: GA

Complaint narrative:
I have disputed this account entry with Lexis Nexis on multiple occasions regarding the inaccuracies that are reflected among the 3 credit bureaus. In a previous dispute to them, I specifically disputed the filing dates ( each bureau reflects a different filing date ), reference numbers ( each bureau reflects a different reference number ), as well as court ( each bureau reflects a different court ) and amount. Lexis Nexis responded in their letter dated XX/XX/XXXX ( see attached ), that the bankruptcy records are accurate. Again this is untrue. There are inconsistencies among all 3 bureaus. After reviewing their response, I immediately sent them a letter addressing my concerns again, for which they had not responded. See attached return receipt card that reflects XXXX signed for the delivery of this letter on XX/XX/XXXX. 

To date, XX/XX/XXXX, I have not received any correspondence from Lexis Nexis whereby they would be responding to my letter they received on XX/XX/XXXX. In this letter, again, I made reference to the fact that there were indeed inaccuracies reflected on each of my bureau reports, but moreover, I was requesting a description of the procedure used to determine the accuracy and completeness of information that they were claiming was accurate. Since it has been 60 days since Lexis Nexis received my dispute and they have opted to not respond, these inaccurate entries should be deleted from my credit profiles immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I co-signed student loans in XXXX when I was XXXX years old. My co-signer paid his loans to Citibank before XX/XX/XXXX. In XX/XX/XXXX, I was not living at my old address and did not use the phone number any longer that was on the original application when I co-signed. In XX/XX/XXXX, CitiBank sold their student loan portfolios to XXXX XXXX XXXX XXXX yet credit reporting and other documents still show Citibank as the lender. Occasionally, I would check to see if payments were paid up to date by the original signer. I signed in online and saw that the loans were no longer there. It was XX/XX/XXXX, I was not able to get in touch original signer and I saw a {$0.00} balance on the loans. By XX/XX/XXXX, I was able to speak with the original signer and he told me he thought I was paying the loans because he saw his online CitiBank account had a {$0.00} balance as well. I called Citibank who then informed me that my loans now belonged to another lender. It was a very busy time of year, I missed the payment by 35 days ( 5 days past the credit reporting ). It is also 5 loans, when I really only make one payment per month. I  would like this removed from my credit report due to the confusion and lack of explanation for transferring of loans. I have called XXXX XXXX XXXX XXXX who says they will not adjust anything that is more than 60 days old.

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 2018-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit files, on XX/XX/2017 I wrote to XXXX XXXX a collection company reporting account number XXXX and disputed the account reported on my credit files. I explained to the company that this account was unknown to me and I required full validation of this account. I believe that my personal information was used to obtain accounts with out my consent and it is for this reason I need to know the full details of how this account was opened by XXXX XXXX ( please see the attached copy of the letter sent ) and received no response. 

I then wrote to the credit bureaus and see why the account is still reporting inaccurate information about me and received no response. 

I request the assistance of the CFPB in the communication of my 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