vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I contact the company through written notice XX/XX/XXXX to let them know I do not owe them {$1900.00}. the company did not respond and verify the debt according to the letter I sent. The company continues to report on my credit XX/XX/XXXX that I owe now {$1900.00}. They are reporting two different amounts {$1900.00} XXXX and {$1900.00} XXXX. The company has not notified me or contact me about this debt. I just saw it on my credit. I have reached out in regards of finding out why, because I do not own this debt. They have yet to respond. The debt is said to be with XXXX, but it is owned by enhanced recovery collection. I am attaching the letter I mailed in XXXX and the documents I sent with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
Simple bank which is owned by BBVA is closing and I have attempted to transfer my funds to another bank account. I was successfully able to transfer some funds but I have not been able to transfer my remaining balance. BBVA will not accept customer service calls, and I am given the XXXX number for Simple which says my wait time is 2hrs. All of my support messages on the website are left unanswered. I need and want access to my funds immediately. The web interface even says I am eligible to transfer funds but it errors out on every attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo illegally opens loans, for customer. - and masks the loan as escrow in the beginning of the year as an addition to customers actual mortgage balance, and reports that annual balance to credit reporting agency, while reporting the true mortgage balance to customer.

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 2021-01-27 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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I am identity theft victim. I do not recognize these accounts. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2021-01-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I am identity theft victim. I do not recognize these accounts. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
The last active date is reporting inaccurate on all 3 credit bureaus, account is reporting false information, date of last payment is reporting inaccurate, the credit limit is reporting inaccurate, also reporting a balance on a closed account this is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
The last active date is reporting inaccurate on all 3 credit bureaus, account is reporting false information, date of last payment is reporting inaccurate, the credit limit is reporting inaccurate, also reporting a balance on a closed account this is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation
State: TX

Complaint narrative:
I am in a program that is helping Me get out of Debt and all but 1 Company keeps Calling Me Everyday 2-3 times a Day and is Calling My Employer I have told them I am getting things taken care of and They Continue to call everyday even when I'm already in Bed My Phone rings I am a XXXX  for My Employer and I get Phone Calls while I'm XXXX The Company Ithat is Helping Me told Me not to answer their calls My Wife Spoke to the person in the office of the Consumer and asked Her not to call She said She would Continue to Call

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE FIRM, INC., THE
State: FL

Complaint narrative:
The Mortgage Firm transferred my loan from one payment servicing center to another and changed my loan number. My loan remained with The Mortgage Firm. The Mortgage Firm has received and cashed my XXXX, XXXX and XXXX payments but they have not applied the payments to my loan. They have held my payments in suspense and are not responding to my repeated requests to have the payments applied to my loan. My XXXX payment cleared my bank on XX/XX/XXXX in the amount of {$570.00}. I provided XXXX at The Mortgage Firm with a copy of the cleared check on XX/XX/XXXX. I provided a copy of the cleared check to XXXX XXXX and Director of Loan Transitioning XXXX XXXX at The Mortgage Firm Corporate Office on XX/XX/XXXX. My XXXX payment cleared my bank on XX/XX/XXXX in the amount of {$570.00}. On XX/XX/XXXX, my bank, myself and XXXX at The Mortgage Firm conducted a conference call regarding my XXXX payment in which my bank told The Mortgage Firm that they had cashed my XXXX check. My bank stated they would email a copy of the cleared check to The Mortgage Firm. I emailed a copy of the cleared check to XXXX at The Mortgage Firm on XX/XX/XXXX and XXXX confirmed receipt. I provided a copy of the cleared check to XXXX XXXX and XXXX XXXX at The Mortgage Firm Corporate Office on XX/XX/XXXX. I provided XXXX XXXX and XXXX XXXX  the tracking number and XXXX confirmation of delivery of the payment from the old servicer to The Mortgage Firm Corporate Office on XX/XX/XXXX. XXXX is listed on the XXXX confirmation as being the person to receive the delivery and XXXX XXXX confirmed that she was the one who would have received it. My XXXX payment cleared my bank on XX/XX/XXXX in the amount of {$570.00}. On, XX/XX/XXXX, I provided XXXX XXXX and XXXX XXXX with the check number and date my check cleared. I received a letter dated XX/XX/XXXX from The Mortgage Firm stating that my account was delinquent. I have been told by XXXX that RESPA covers my payments until XX/XX/XXXX. Mr. XXXX has not returned my phone calls or responded to my emails. As of today 's date my account shows my payments in suspense. Mr. XXXX has failed to resolve the issue of my payments not being applied to my loan. Mr. XXXX and Ms. XXXX have both failed to respond to my repeated requests for the contact information for the regulatory department with oversight of The Mortgage Firm.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
There was a complaint before but you sent the complaint to the wrong company. I filed a new complaint by phone in XXXX of last year but the complaint has been lost. The is a Bond Instrument from my former employer XXXX XXXX and Barclays PLC was the issuer. XXXX XXXX XXXX is the broker. Barclays has hired outside counsel and has admitted the bond is mine but they can not act for me. Financial Ombudsman has stated that this Bond was recorded incorrectly and looks like it is being held at a company XXXX XXXX which may be a fake company to hide the funds. The SEC, OCC, FTC< resolver, and Financial Ombudsman are involved with this matter. I am asking for this complaint to be sent to the correct company at Barclays PLC and their attorney. I have additional information I need to provide to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Late reporting on credit score Monthly mortgage payment has gone up XXXX XXXXmonth

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Coinbase charged my card twice without my authorization. Resulting in insufficient funds, therefore they took my XXXX  and some XXXX  claiming I initiated a buy without enough money in my account, I have tried to resolve this thru customer service portal, with no success, and then filed a complaint, they said they will let me know within 15 business days the results, it went a full 15 business days and they emailed saying they need another 20 business days to look into it, I have heard nothing since and they erased any of the transactions on my account. I Filed a complaint with XXXX, similar response from Coinbase. They dropped {$50.00} in my account for not getting back within 20 business days

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I purchased a car XXXX used XXXX XXXX XXXX and then i struggles between jobs the entire time i had the car and then i would get caught up something else would happen I am a single parent my entire adult life and I struggled with no help from anyone. i got the car with financed for XXXX and made {$14000.00} in payments. In XX/XX/XXXX i lost my job due to stay at home order. I struggled but i found a job less money and i tried to work with them they refused. my mom also died 6 months prior so we had to move and resolve her estate with my family so we moved to a very low income neighborhood and i still have the same job making less XXXX a year. i usually make XXXX a year. We called to surrender the car, XX/XX/XXXX being 60 days past due and the person on the phone said he would give them the location of the vehicle but no guarantee they would pick it up due to pandemic and no one in that department. We waited 2 weeks called back as we were instructed to do. i spoke to supervisor who told that was not true and that I made this up. I advised we wanted surrender the vehicle and she said that i was not able to until the account was 120 days past due. Again i gave the location of the vehicle as we had no room where lived to park it. 2 more weeks passed we spoke to someone is surrender repo department who told us she was not given any info where are car was, and advised again we have called 2 other times. No one was believing me. they finally picked up the card in XX/XX/XXXX. I started received back to back phone calls about the vehicle and i need to pay for it and said we surrendered in several months ago and again non stop emails texts and phones calls and then they sold the vehicle then radio silence for 2 months XX/XX/XXXX they started calling for the deficiency and i explained i don't anything except {$1000.00} and they sold it for {$3700.00} XX/XX/XXXX per the ledger i attached from their website. 
now the balance paid is {$14000.00} so again i only owe XXXX there was nothing wrong with the card when i surrendered it. if there was they caused it. The brakes tires were replaced and service every XXXX without fail. I left that car perfect condition. I want them to settle my dept and also they report to the credit bureaus i owe them {$11000.00} closed derogatory XX/XX/XXXX which was report XX/XX/XXXX as if i never paid them anything. 
They also never sent any proof of repo or sale of the vehichle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
Regarding Specialized Loan Services owned by XXXX XXXX XXXX XXXXXXXX XXXX. 
My HELOC was sold to this company XX/XX/XXXX. I was never sent any means to access the funds for this loan. I have been telling this company I need this $ IMMEDIATELY!! 
XX/XX/XXXX I contacted the company to ask for my funds. Spoke to three representatives before I finally spoke w/someone who seemed to know how to fulfill my request. I was told checks would be sent to me " over-nite '' and I should receive by XX/XX/XXXX ( weekend in the way ) ; I was also sent a HELOC WIRE REQUEST form which I followed the directions and resubmitted exactly per instructions XX/XX/XXXX Had not heard anything about my wire request ; called in. Was told there was no record of that form. Resubmitted it AGAIN per the new instructions as well as the old instructions and demanded to speak w/a supervisor. Did not hear back until next day XX/XX/XXXX Called in XXXX. Still no progress. Demanded to speak w/a supervisor. Supervisor called back and said he would get a message to department to expedite. XXXX CST ; that person called back and completed the " security process '' of the wire transfer and said processing immediately. I asked when would I see the funds and was told either today or tomorrow. 
XX/XX/XXXX STILL no evidence of funds and my bank indicates no record of receiving them. Called back to the company and am now being told the wire transfer takes 7-10 business days ... WHAT? Asked where were the checks that I was promised. That representative also told me 7-10 business days. WHAT?? 
Once again, I have asked to speak to a supervisor and have to wait for a call back. 
I emailed the " customer service '' address with a copy of this complaint since I'm at my wits end. 
What recourse do I have for not only not receiving these funds but the " fall-out '' of not being able to use these funds as intended? 
I have names ; dates ; times and identifying i.d.s for each conversation.

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 2021-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have a serious issue with AMERICREDIT/GM FINANCIAL. Account information : Account # XXXX, Date opened : XX/XX/XXXX, original balance {$4100.00}. 

GM failed to provide notice of outstanding lease amount, I pre-paid entire lease in XX/XX/XXXX, turned vehicle in to dealer in XXXX, and gave the dealer my updated address. No notices were sent and 6 months later I find a charge-off on my credit without any calls or emails sent to me. 

GM told me to pay and this wont affect my credit. I paid right away and yet the account still shows on my report. 

GM Financial is also reporting inconsistently across the 3 bureaus and they failed to provide me with notice of adverse information insertion as required by the California Civil Code. 

MY DEMAND IS THE DELETION OF CHARGE-OFF FROM ALL 3 CREDIT BUREAUS, FOR BOTH MINE AND MY PARTNER XXXX XXXX. 

I have been through a lot with this problem and I deserve a fair solution. This issue is affecting me emotionally and financially. 

Please send the attachment to the company. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank fraudulently induced me into entering into a credit card with them when a customer service representative lied to me about an 18 month 0 % APR on all purchases. Then, when I brought this to Citi Bank 's attention, they closed my credit card account without my authorization. Both of these actions have caused me harm in the form of interest charges and hits to my credit score, when I could have gone with alternative products from alternative financial institutions. 

In XXXX of XXXX, I contacted Citi Bank via phone to close my AAdvatage  Citi Card due to horrendous customer service. Instead of closing the account, I was fraudulently induced into downgrading that card to a Citi Double Cash Card because I was promised a promotional APR of 0 % interest for 18 months on all purchases. I chose this card, over many others, exclusively because of this promotional 18 month APR. When I received my XX/XX/XXXX statement with an interest charge, I immediately contacted Citi Card. When I spoke with a Citi Card customer service representative, I was told that there was no 18 month promotional 0 % APR on all purchases, despite earlier promises to the contrary. I explained the fact that I had been promised one, they refused to honor the promise, and I then asked the customer service representative to explain options for closing the account. We ended the call without taking any further action. On XX/XX/XXXX, I logged into my account online and discovered that my credit card account had been closed. I, however, never authorized the closure of this account. That same day I contacted Citi Bank, where I was informed again that there was no promotional APR and that they would have to run a hard credit report in order to process a request to re-open the account. Because of my large outstanding balance resulting from large purchases I made because of the promise of a promotional APR, I had no choice but to acquiesce. 

Citi Card 's actions have caused me financial harm in the form of interest charges and credit score hits caused by the unnecessary pulling of a credit report for the reopening of an account that should have NEVER been closed. Citi Banks actions shock the conscience, from fraudulently inducing a customer to maintain an account with them to repeatedly lying so as not to honor promises they explicitly made.

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