vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My vehicle was repossessed and I called immediately to ask why as I had a payment plan in place. They said it did not matter and the repo was valid. I paid the past due amount via XXXX  XXXX and rented a trailer to pick the vehicle up only to be told by the storage facility that the vehicle had been sent to auction because ally failed to send a redemption notice. Now Im being told by the auction that they do not have the release and they close in 30 min ( XXXX ). So on the phone again with ally who says they did not show it was moved in their system. Now Ive paid for my car but can not get it until Monday even though it was never supposed to be picked up in the first place.

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 2019-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
I went to XXXX on XX/XX/2019 to see what personal loan offers were available for me, to consolidate some debt that I had with XXXX, Lightstream, and my credit card company. I put in all of my relevant information ( name, address, annual income ) and was presented some offers. Lightstream came up as the top offer, with a 6.49 % APR. I selected this offer by clicking " continue '' I was sent to Lightstream 's application page, filled out all of the appropriate information, and was notified that my application was being processed.

I was contacted that same day by a representative, who asked more questions about the purpose of the loan. I explained the three sources that would be consolidated. At that point the representative stated that it's a Lightstream policy not to re-finance their own loans. There was no reference of this policy anywhere in the application process. The representative stated that we could try for a lower amount, so we went ahead and excluded the Lightstream loan amount that I wanted to re-finance. At that point ( same day ), I received another email asking for additional documentation ( paystub ) which was used to verify my income. After verification, the representative told me I was being offered a 9.39 % APR, to match the one with my existing Lightstream loan. They said that if I could get a better rate somewhere else, they would match it, but that's it. At this point they had done a hard credit pull, which lowered my FICO  score by 54 points. I no longer qualify for prime lenders to make competitive rates, and would be locked in to only accept Lightstream 's offer.

I consider this to be unfair, deceptive, and abusive practices. If this bait-and-switch hadn't been designed, I would have applied through other lenders that I would have been a good candidate for, before my FICO was lowered ( e.g. XXXX and 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 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
All this matter is about for a " judgment '' against me, on base the paperwork a debt buyer XXXX XXXX won the judgment long time ago and now I must pay the certain amount of money to them. After a few calls I got the paperwork and called the Attorneys who represents the plaintiff ( XXXX XXXX ) the attorneys XXXX XXXX XXXX XXXX XXXX, but couldn't reach them, so I called the debt buyer and they sent me with another " Law office '' a company The Winn Law Group. I contacted them on XX/XX/XXXX, and they gave me some information about the debt, including a balance for {$8200.00} including legal fees and interest. but never provide real information about when this judgment was filed, a case number, when this judgment was recorded or date of the last time the judgment was renewed. I was not talking with and attorney I spoke with a regular debt collector with a name of a " Law office '', I told them I have the best interest to resolve this matter so I made a settlement offer for {$5000.00}, the representative named XXXX said they had to submit the offer to their client ( XXXX XXXX ) and I suppose to call other day. After several calls over the last months, nobody in this " Law office '' who in fact is a regular debt collector is able to give me information or a response from the " client '', every time I call they transfer my call to a voice mail, after another 7 calls the representatives stared to explain me that the account is " Lock '' and they can't open the account and have to transfer my call to an attorney, but any attorney take the call -I don't understand how this collecting tactics are allowed- Finally after more than 25 calls made to this debt collector someone named XXXX took my call, she was a very nice person with me but had to inform me that an attorney will review my account and they will call me back, of course nobody called back, so I called on XX/XX/XXXX and a representative informed me that they mailed me a letter due to a " dispute period '' and " validation period '' I explained him that I was expecting the settlement response but he said is anything they can do until this period is over. So I tried to get more specifics like : why is this dispute period? or is the period for new accounts or for old accounts? and asked if they have to valid this account due to is not a valid account? but he refused to give me the information. So now I don't understand that is the next step to follow in order to resolve this " judgment ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a credit card with Bank of America. My credit card was paid off, but they continued to withdraw {$250.00} each month out of checking account totaling {$1500.00}. 

Bank of America has assured me that they would be sending me my money back to no avail. Initially they said they would sending the money via check to my mailing address. When I didn't receive the check, I called again. They assured me once more they would send the funds back to my checking account, but have not received them. 

I have communicated with 6 different agents and each time, I am told that the funds would be resent. Please note that this situation has been going on since XX/XX/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 monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
I submitted an extremely thoroughly done dispute with the USAA bank over a jewelry purchase. Over the next week and a half the bank pretended everything was kosher, until the finally decided that they would not help. I have massive amounts of evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
USAA denied our homeowner 's insurance claim because according to them as best as I can understand because I changed our deductible before we had a bad event happen. I had no possible way of knowing what was going to happen after changing our deductible. I appealed and the same adjuster who denied the claim the first time also denied my appeal. I kept pleading with USAA as I didn't know what was going to happen and I had no bad intent. The adjuster 's supervisor responded online that his decision will stand. Shortly later I can't log into my online banking. I later find out that USAA canceled our homeowner 's policy, they blocked access to my online account, they closed my savings account, they closed my checking account, and they closed my credit card which was on 0 % apr promo and want me to pay the balance immediately. I have been a member of USAA for 9 years, perfect account history, no prior claims ever made for our home. My wife and I have been paying their premiums without a single claim for our home. We are both deeply hurt my USAA 's actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My husband and I purchased a 5th wheel RV thru XXXX XXXX RV in XXXX, VA and financed it with XXXX XXXX XXXX XXXX. When signing our paperwork, we noticed the dealer put the wrong address on the form and we corrected it in the office. Unfortunately the information he turned into the bank contained the wrong information and the statement went to the wrong address. When we didn't receive a statement I contacted XXXX XXXX XXXX to make sure they received our paperwork. After going thru several people since my address did not match my social in their records ( plus I had no account number since we never received a statement ), we made the needed payment, changed the information to the correct address, and were told all delinquency would be taken off the account since we were the ones who came forward to correct the information. One week later it appeared on my husbands and my credit report for being delinquent. When I called the bank I was told they could not remove it and that we would have to file a complaint with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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 REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
All this matter is about for a " judgment '' against me, on base the paperwork a debt buyer XXXX XXXX won the judgment long time ago and now I must pay the certain amount of money to them. After a few calls I got the paperwork and called the Attorneys who represents the plaintiff ( XXXX XXXX ) the attorneys XXXX XXXX XXXX XXXX XXXX, but couldn't reach them, so I called the debt buyer and they sent me with another " Law office '' a company The Winn Law Group. I  contacted them on XX/XX/XXXX, and they gave me some information about the debt, including a balance for {$8200.00} including legal fees and interest. but never provide real information about when this judgment was filed, a case number, when this judgment was recorded or date of the last time the judgment was renewed. I was not talking with and attorney I spoke with a regular debt collector with a name of a " Law office '', I told them I have the best interest to resolve this matter so I made a settlement offer for {$5000.00}, the representative named XXXX said they had to submit the offer to their client ( Cavalry SPB ) and I suppose to call other day. After several calls over the last months, nobody in this " Law office '' who in fact is a regular debt collector is able to give me information or a response from the " client '', every time I call they transfer my call to a voice mail, after another 7 calls the representatives stared to explain me that the account is " Lock '' and they can't open the account and have to transfer my call to an attorney, but any attorney take the call -I don't understand how this collecting tactics are allowed- Finally after more than 25 calls made to this debt collector  someone named XXXX took my call, she was a very nice person with me but had to inform me that an attorney will review my account and they will call me back, of course nobody called back, so I called on XX/XX/XXXX and a representative informed me that they mailed me a letter due to a " dispute period '' and " validation period '' I explained him that I was expecting the settlement response but he said is anything they can do until this period is over. So I tried to get more specifics like : why is this dispute period? or is the period for new accounts or for old accounts? and asked if they have to valid this account due to is not a valid account? but he refused to give me the information. So now I don't understand that is the next step to follow in order to resolve this " judgment ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN

Complaint narrative:
On XX/XX/2019 I attempted to wire {$300.00} online with a credit card to XXXX to someone that I know. I got a message that the transaction was completed and I sent the reference number to the receiver. About 40 minutes later, I received an e-mail that the transaction had been cancelled and my account was closed. I spoke to someone in customer service, who said that they can not give me any information about why it was cancelled and they told me I can never send a money gram transfer again -- -neither online or in person. They said it was a " security issue to protect me ''. I told them that I know the person I was sending it to and was willing to take that " risk '' with MY money. I asked to know what the problem was, but they were not willing to give me any information other than that is the way they do things and don't have to give me a reason. 

After reading many of the complaints, it seems that after you send money several times, they shut down your account. I have sent a few times before in the office, with the most recent time being on XX/XX/2019 to a different country. I have a small business which requires me to send money overseas. As there is a paper trail and they check id 's in the office, I'm really wondering why I was denied using their service. I am not satisfied with the customer service that I received. I am also upset that it took so long for them to tell me the transaction was cancelled, as it could have meant the recipient went to collect her money and it wouldn't be there.

They also told me it would take 3-10 business days to reverse the charges. As it was on my credit card ( versus taking the money out of my bank account ), it wasn't as big an issue ( my plan is to dispute the charge as soon as it processes ) -- -- but it seems it is not right to take people 's money and keep it for 3-10 business days. At the very least, they should pay interest. It should be returned immediately when the transaction is cancelled. It could be a financial hardship to people, especially if sending a large amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: NJ

Complaint narrative:
There is an inquiry I did not authorize..

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 2019-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: OH

Complaint narrative:
My wife and I have 2 parcels on the current mortgage. We live in a home on parcel 1. We wish to build a new home on parcel 2. To do so we need to have parcel 2 released from the current mortgage. Planet Home Lending ( after weeks of waiting ) sent us a checklist of items ( 10 ) to prepare and send back to them. When attempting to complete item 8 on the checklist, the appraiser we contacted informed us only the bank could contract an appraiser in our state. I advised Planet Home Lending of this on the phone on XX/XX/2019 and was told to just complete the other 9 tasks and they would handle the XXXX. 
On XX/XX/2019 I sent the completed packet to Planet Home Lending. Their paperwork stated it would be a 4 to 5 week  process. 
On XX/XX/2019 Planet Home Lending deposited our check ( a fee for processing this partial release application ). 
On XX/XX/2019 I spoke with " XXXX '' at Planet Home Lending. He stated their most recent notes showed they sent me the checklist but nothing further, they had not received it. I informed him my check had been deposited by his institution and voiced concern. After placing me on hold, he returned to tell me they did in fact have my application. I was also told it was still under review by the appropriate department. 
As one can see, it has been longer than 4 or 5 weeks. Planet Home Lending deposited my check approximately 9 weeks ago and I have yet to see any action taken. My builder for the new home is kind enough to keep reminding me the prices keep going up. Planet Home Lending 's feet dragging and lack of action is costing me additional money as well as keeping my family from building and moving in to our new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
All this matter is about for a " judgment '' against me, on base the paperwork a debt buyer Cavalry SPV won the judgment long time ago and now I must pay the certain amount of money to them. After a few calls I got the paperwork and called the Attorneys who represents the plaintiff ( Cavalry SPV ) the attorneys XXXX XXXX XXXX XXXX XXXX, but couldn't reach them, so I called the debt buyer and they sent me with another " Law office '' a company XXXX XXXX XXXX XXXX. I contacted them on XX/XX/XXXX, and they gave me some information about the debt, including a balance for {$8200.00} including legal fees and interest. but never provide real information about when this judgment was filed, a case number, when this judgment was recorded or date of the last time the judgment was renewed. I was not talking with and attorney I spoke with a regular debt collector with a name of a " Law office '', I told them I have the best interest to resolve this matter so I made a settlement offer for {$5000.00}, the representative named XXXX said they had to submit the offer to their client ( Cavalry SPB ) and I suppose to call other day. After several calls over the last months, nobody in this " Law office '' who in fact is a regular debt collector is able to give me information or a response from the " client '', every time I call they transfer my call to a voice mail, after another 7 calls the representatives stared to explain me that the account is " Lock '' and they can't open the account and have to transfer my call to an attorney, but any attorney take the call -I don't understand how this collecting tactics are allowed- Finally after more than 25 calls made to this debt collector someone named XXXX took my call, she was a very nice person with me but had to inform me that an attorney will review my account and they will call me back, of course nobody called back, so I called on XX/XX/XXXX and a representative informed me that they mailed me a letter due to a " dispute period '' and " validation period '' I explained him that I was expecting the settlement response but he said is anything they can do until this period is over. So I tried to get more specifics like : why is this dispute period? or is the period for new accounts or for old accounts? and asked if they have to valid this account due to is not a valid account? but he refused to give me the information. So now I don't understand that is the next step to follow in order to resolve this " judgment ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Thanks, I received a call XX/XX/19 about contacting SSI! # XXXX! Blocked Several times but this threat was a big red flag!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I Have contacted them about validating a bankruptcy on my credit file, they came back verified, So i went to the us federal court and asked did verified the bankruptcy and they said they did not and never do verify bankruptcy. I then contacted the third party company they use and they said the same thing plus my file was frozen with them so they dint. According to FCRA they have to be able to verify all account on my credit report and supply me with how and the information they verified. They lied and has not giving me the information about this and or in violation of my rights, i want to settle this with having to involve the court.

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