vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 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: Synovus Bank
State: CA

Complaint narrative:
After a dispute, XXXX XXXX XXXX verified incorrect information on my XXXX   Credit Report. In XX/XX/XXXX I first became delinquent on my XXXX XXXX Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on XXXX. 

I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my XXXX  showed that my XXXX XXXX Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my XXXX report. The company then verified the false information and the dispute was closed. 

I wrote and called XXXX XXXX to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.

Complaint narrative:
My estranged father XXXX XXXX received three calls from XXXX XXXX of XXXX XXXX XXXX XXXX over a period of days asking that I XXXX XXXX give her a call at ( XXXX ) XXXX XXXX regarding PayPal Credit. I am XXXX and can't pay back the money. 
It is my understanding that under federal law debt collection agencies are only allowed to contact family members once. They have far exceeded this number. I understand I owe the money, but I don't have it. I can't give what I do not have. 
I spent six months in XXXX XXXX, NV. looking for work after getting out of the XXXX. I had to live in hotels and on my unemployment and credit/credit cards. I was unable to find a job and had to move to XXXX to live on the {$1500.00} a month I get from the VA for my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back when I was a college student in XX/XX/XXXX, Bank of America reported me for " account abuse '' because of an overdraft. I subsequently paid the {$120.00} I owed and I was told by the branch manager that the account was " paid in full '' and that everything was " taken care of ''. 

Fast forward to XX/XX/XXXX when I tried to open a checking account at another bank, I was denied because Bank of America was still reporting me for " account abuse ''. I am confused because five years ago in XX/XX/XXXX I paid the bank the {$120.00} I owed and they assured me everything was resolved. So I decided to dispute the XXXX entry based on its inaccuracy. 

Then when my mother tried to open a checking account at another bank, she was also denied because apparently Bank of America switched my information with hers. Recently, we visited a local Bank of America branch in order to try to get the mix-up rectified, but we were told that there was nothing the bank could do, and they instructed us to call customer service instead. 

This has caused a tremendous amount of confusion and distress for me and my mother. I want the XXXX  entry deleted from both my records and my mother 's record as well. It is completely unfair that my mother can not open a new bank account because my information has been mixed up with hers.

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 2018-05-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After a dispute, XXXX XXXX XXXX verified incorrect information on my Experian Credit Report. In XX/XX/XXXX I first became delinquent on my XXXX XXXX Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on Experian. 

I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my Experian showed that my XXXX XXXX Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my Experian report. The company then verified the false information and the dispute was closed. 

I wrote and called XXXX XXXX to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint.

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 2018-05-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am uploading proof that the XXXX XXXX XXXX account was deleted off my XXXX   credit report. Experian and XXXX still have not deleted it off my credit reports. This information does not belong and is supposed to be deleted.

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 2018-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
I inquired online about a debt consolidation loan. They said Iw as pre-approved and that I just needed to move through some steps, so I did that. After I completed submitting the first round of information, a lady from the company called me. She said very clearly on the phone " we have the money waiting to transfer to you once you submit the additional documents. '' I am self-employed, so some additional bank statements were required. I could be wrong on the last few words of her sentence, but I know for a fact she stated very clearly that " the money is ready to transfer '' and tricked me into believing everything was good to go. I was then denied the loan after submitting the additional documentation and I feel very much like a victim of misleading techniques. Another representative who was " helping me '' has also been unresponsive when I inquired about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am uploading proof that the XXXX XXXX XXXX account was deleted off my XXXX   credit report. XXXX and transunion still have not deleted it off my credit reports. This information does not belong and is supposed to be deleted.

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 2018-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I have automatic ACH payment processing setup with my mortgage company, PHH Mortgage. The payment is configured to draft from my checking account on the XX/XX/XXXX of each month. In the management section of the website where one can configure their payments, there is an option for additional principle payment along with your standard monthly mortgage payment. 

The day after my XXXX payment ( {$2500.00} ) was processed, I configured an additional principle payment of {$43000.00}. In the beginning of XXXX, {$45000.00} was debited from my account. This was expected as it is the sum total of my standard monthly payment with the extra principle I chose to pay. On XX/XX/XXXX, I logged into their account management website and removed the {$43000.00} additional interest payment, as I wanted it to be a one time payment. 

On XX/XX/XXXX, PHH Mortgage again attempted to debit my account for {$45000.00}. Upon calling them, they acknowledged their mistake and assured me it would not happen again. I explained to them that I was extremely unhappy as their mistake had caused both of my accounts to be overdrawn, essentially freezing all of my available funds and that I did not want this to happen again. They assured me once again that the issue had been addressed on their end and that the ACH payment would not be retried. 

On XX/XX/XXXX, they once again attempted to debit my account for {$45000.00}, again overdrafting my accounts and freezing all available funds. All of my funds have been frozen for at least 4 of the last 7 days because PHH refused to proactively intervene. 

I understand mistakes happen, however, there are a couple of issues that concern me here : First, they did not process my request to remove the additional principle payment until XX/XX/XXXX even though i initiated this change on their website more than two weeks prior. This would indicate to me that while I am making changes to my account electronically, there is still some sort of manual process being followed on their end that requires human intervention. I would suspect that there are federal regulations regarding this sort of thing to which PHH is not in compliance.

Secondly, PHH indicated to me that once an ACH is initiated on their end, they have no control to stop it or the subsequent retry attempts that may result from NSF situations. Again, I would suspect that this is not true and that there are probably federal banking regulations to which PHH is not in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was banking with Wellsfargo my account was close without my knowledge and reopening with new account number for authorized charges that they never fixed one was XXXX XXXX XXXX and I have contract them and they havent responded keep saying I need more information and XXXX XXXX that was taking money out of my account every month plus more have contact XXXX and no response so how do I get a refund or my money

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 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
The loan company XXXX XXXX, a possible Virginia based small business loan company that deals online only set up a line of credit for my business. The business never received documentation and or loan information pertaining to repayment terms and interest rates and finance charges over the time of repayment. There was no contract executed and given a copy of to me the officer of the company, and now the company is trying to sue me personally stating I signed as a guarantor. There was no indication I ever was gon na be personally responsible and there was no documentation ever asked for basis of repayment for myself personally other than banking statements for the business. There is no account ever opened up on my personal credit report and I have been served by this company with a lawsuit in a state where I dont do any business and apparently this is the state where the company has operated from, in Virginia. I am a Florida resident and my business was a Florida based business, that has been corporately dissolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2018 I sent {$1500.00} worth of a specific cryptocurrency ( XXXX ZIL tokens ) to Coinbase in error. Understandably, Coinbase does not currently support this specific cryptocurrency but it does support Etheruem and the specific cryptocurrency runs on the Etheruem blockchain. I reached out to Coinbase to have the coins sent back to me but I was given a bunch of excuses as to why they can not, the representative I emailed even went as far as to say that my coins were lost. This is 100 % false! The coins were sent to a secure wallet in which only Coinbase has the private key to access, and with this private key Coinbase can actually access these funds at any time. I explained this to the representative and she responded that Coinbase only accesses the private keys under extremely limited circumstances. If it can be done and Coinbase is just simply refusing to do it, they are pretty much stealing and violating lost property laws in NYS and in CA where they do business. The process to send me back my coins that were sent in error would literally with no exaggeration take only one minute if I had the private key to the wallet, but only Coinbase has access to the private key and will not cooperate in sending back the coins to me. I have proof of the coins in the wallet belonging to Coinbase and as well all communication from Coinbase regarding the matter. Hypothetically, if the value of this coin went up to {$1.00}, Coinbase would be sitting on $ XXXX USD equivalence in coins, not to mention all the blogs Ive found online with people in the same situation, just holding on to their assets as well. Return our assets Coinbase!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Back when I was a college student in XXXX, XXXX XXXX XXXX reported me for " account abuse '' because of an overdraft. I subsequently paid the {$120.00} I owed and I was told by the branch manager that the account was " paid in full '' and that everything was " taken care of ''. 

Fast forward to XX/XX/XXXX when I tried to open a checking account at another bank, I was denied because XXXX XXXX XXXX was still reporting me for " account abuse ''. I am confused because five years ago in XXXX I paid the bank the {$120.00} I owed and they assured me everything was resolved. So I decided to dispute the Chexsystems entry based on its inaccuracy. 

Then when my mother tried to open a checking account at another bank, she was also denied because apparently XXXX XXXX XXXX switched my information with hers. Recently, we visited a local XXXX XXXX XXXX   branch in order to try to get the mix-up rectified, but we were told that there was nothing the bank could do, and they instructed us to call customer service instead.

This has caused a tremendous amount of confusion and distress for me and my mother. I want the Chexsystems   entry deleted from both my records and my mother 's record as well. It is completely unfair that my mother can not open a new bank account because my information has been mixed up with hers.

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 2018-05-09 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Back when I was a college student in XXXX, XXXX XXXX XXXX  reported me for " account abuse '' because of an overdraft. I subsequently paid the {$120.00} I owed and I was told by the branch manager that the account was " paid in full '' and that everything was " taken care of ''. 

Fast forward to XX/XX/XXXX when I tried to open a checking account at another bank, I was denied because XXXX XXXX XXXX was still reporting me for " account abuse ''. I am confused because five years ago in XXXX I paid the bank the {$120.00} I owed and they assured me everything was resolved. So I decided to dispute the Chexsystems entry based on its inaccuracy. 

Then when my mother tried to open a checking account at another bank, she was also denied because apparently XXXX XXXX XXXX switched my information with hers. Recently, we visited a local XXXX XXXX XXXX branch in order to try to get the mix-up rectified, but we were told that there was nothing the bank could do, and they instructed us to call customer service instead. 

This has caused a tremendous amount of confusion and distress for me and my mother. I want the Chexsystems entry deleted from both my records and my mother 's record as well. It is completely unfair that my mother can not open a new bank account because my information has been mixed up with hers.

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 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
i recently checked my credit report and this account by the name of Portfolio Recov Assoc appeared on my credit report. This account was added without my consent. I have no knowledge of this account. I have no relationship with this company. I have never signed up or asked for credit. This is an unverifiable account. This needs to be removed asap.

Portfolio Recov Assoc Account # XXXX how was balance determined? {$970.00} This account says its been opened on XX/XX/XXXX ive never opened an account with this company last updated XX/XX/XXXX why is this account being updated? 

why are there payment terms on this? 1 month? 

multiple errors on payment history it says i am delinquent on XX/XX/XXXX? 

but shows no data on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I own a house for 12 years but when the lender keep selling my loan around in some how they record my house is foreclosure for 7 years and transfer my house to some bank name. When I do a refinance my house 4 years ago and XXXX XXXX XXXX do my refinance they do it with some loop hole to go through without a right deed of trustee. I been calling the bank for the last 7 years to fix the problem but no one want to help and keep telling me the same answer that the house is mine. If you go to the tax city the house is not under my name. Escrow still take my money every month to pay for the property tax. Now Im selling my house title company cant closed the deal because the house is not under my name. My title company keep called by them and talk to their legal team put they keep send us around and go back to square one no one can help. Please investigate this matter. My family want to move but keep stuck in this house for so many years.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I took a loan out with XXXX over some professional audio gear, which I spend over {$25000.00} annually on. My intention was to simply use my bank card as always. However XXXX was plastered all over the companies website as an easy flexible payment option. I took the bait and decided to try their service. First of all this company is well known for its poor response and allowing a customers credit to suffer rather than work to solve a problem. I almost am convinced that their business model intention is to lower credit scores. All you have to do is read the nightmares about this company, and when you complain through XXXX online in which they are not accredited they simply reply with vague snarky reasons why the customer was wrong and it was their fault. I have a 35 year credit history and not one trade line on all three bureaus have ever had a negative rating in my life ... ( 35 years!! ) until XXXX. We had a mixup over the proper routing numbers to my CU and a payment was rejected, the payment then posted again and was rejected a second time. XXXX spoofs phone numbers from all over the USA to appear to be one of your employees on your cellular network of a random local city so I was unaware of being contacted. I received no SMS messages or any other collections activity until they just decide to repor negativity. Catching this I called them myself and paid the loan in full with my bank card.

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 2018-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Direct Lending, LLC
State: FL

Complaint narrative:
The company ( First Direct Lending ) declined to close on my approved mortgage eventhough I have excellent credit and adequate income. They further declined to furnish a copy of my appraisal and refused to produce documentation as to why my loan that was previously approved, was declined or withdrawn

Company response to consumer: Closed with explanation