vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-17 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had a BBVA Compass clearspend debit card. My debit card was hacked on XX/XX/XXXX we 're by someone was trying to charge funds to my card I reported this to BBVA Compass and they said they 're going to send me another card on the XX/XX/XXXX. I talked to them again and they explain to me what happened someone had evidently copied my card from what they supposedly said I swiped it at a pump, but I do n't remember swiping it at a pump. She said that the charges were coming out of XXXX. I called BBVA Compass again on Monday and they told me that my account had been closed and that they were not going to activate the new card that I have received from them. By this time I am a week without money. I went to a nearby Compass bank and ask them what they just release my funds to me and get so that I can have my money. I 'm they call someone in an office who said she was doing some expedited function which did n't really get me anywhere. I called them back on Wednesday and talk to someone and she said that account was closed and that she could do an expedited function and have me a check mail I asked her why when the person who said they were giving doing an expedited function on Monday did n't say anything about mailing me my money Monday in a check. She said she did not know. After talking to them I remember it that this may be the account that I set up to receive my tax refund on so now I am going to be without that money because they decided to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: TN

Complaint narrative:
I called the company servicing my loan XX/XX/2016 to find out what options I had concerning delaying my payments b/c I just had a new baby. I spoke to a representative and she told me to send in my XXXX tax return and that until they figured out my new payment amount my load would be placed in a hold or pause status. I sent in the required information as requested. Later I found out that the information I was given was incorrect when I applied for a credit card. I was denied for the credit card so I look at my XXXX app and discovered that my perfect credit rating was no more. My credit score had dropped from XXXX to XXXX. I called the servicer of my student loan and was told that the information that I received was completely false and that there was no such thing as a pause or hold. I wrote a letter to the servicer demanding that they remove all of the late payments due to the wrong information I received from their representative. They did remove some of them. When they did not remove all of them I wrote them a second letter demanding that they remove the other late payments. I called for an update on the XX/XX/2017 and was told by a supervisor that they were not going to remove the other late payments even though she admitted that the representative gave me false information which let to the incorrect credit reporting that has negatively impacted my life. Me and my husband were planning on buying a new house and now we cant because of this error and the impact it has had on my credit score. The supervisor told me that the only thing they were going to do was file a complaint against the rep and discipline her. This is not enough and I demand that they remove the late payments and if not I 'm in the process of filing another complaint with the department of education and lawsuit. Prior to this instance I was able to get anything I wanted and offered the lowest interest rate available. Now I ca n't get bubble gum on credit. This has devastated my family and I want it corrected and restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been at arms with Experian for the better part of three months regarding the removal of a fraudulent/incorrect item from XXXX. I sent all XXXX credit bureaus the same evidence and the other XXXX removed the issue without any further hassle. When I contacted Experian regarding this in XX/XX/2017, I was instructed by a representative that they were going to remove the item without anything else needed on my end and that the process would take 3-5 business days. 7 business days later, I contact again to find this was a misrepresentation and that they did not remove the item. I requested contact by a supervisor and for them to report my issue as a formal oral complaint. To this date, I have never received acknowledgment of my complaint nor did I receive a call from a supervisor. I continue to be misled and completely lied to by this organization and they continue to hold my credit hostage by not accepting the evidence from the XXXX XXXX. I request formal contact and swift remediation of this issue including removal of this fraudulent negative item. I have included the letter from XXXX XXXX specifically absolving me of any type credit issue.

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 2017-03-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC
State: SC

Complaint narrative:
I was contacted by a collection agency. The agency information was incorrect. The address, visa card bank name and amount of {$5000.00} was definitely not me. The agency name and email is XXXX I will be providing my credit report from the beginning of the year. I am attaching my recent report as well due to cleaning up my credit report from the new year.

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 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citimortgage ruined my credit. Forced me to sign an agreement or they were taking my house after I tryed a modification. They told me to be late a couple months so they can start the process. In the end after dragging their feet after 8 months they sent the wrong paperwork 3 times, then forgot to book the mortgage in system until the end of the year came and they said I owed they {$17000.00}! The new loan took me from 30 years ( with XXXX paid off ) to a 40 year and {$33000.00} deferred payment. Im trying to refi now this loan and I 'm realizing just how much the XXXX me over. Please help and thank you for your work.

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 2017-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I purchased XXXX 5 years ago that cost me XXXX plus interest which came to {$24000.00}. I had problems with the vehicle the same year I had engine problems with the truck the same year. The finance company nor the dealer tried to help. They just insisted on the payment of XXXX. The truck sit idle in the yard for 6 months after being exhausted from taking it to XXXX repair shops including a XXXX dealer. They told me that there is junkyard parts in the engine and that I needed a near computer system with a overhaul to the engine. I continued to make payments on the truck and complain to the finance to no success or help from them. I had to get a rental vehicle and as of today I XXXX XXXX a rental vehicle. I took the truck to several places and they all gave me the same answer=New Engine. The finance company offered me a payoff back in XXXX for XXXX because they told me they did not want the truck back and they were not coming to get it. At that time I only owed about {$6600.00}. I had paid it almost off seeing I it was not driveable. My mother was diagnosed with XXXX during this time and I was not able to make the payoff date that was given to me. I got no understanding from the finance company. My mother was diagnosed in XXXX and passed in XXXX with no burial insurance because she had let it lapse and did not tell anyone. I had to help pay for all the burial expenses of $ XXXX. I had the truck towed to XXXX last place to see if I could at least get someone to repair it for a economical price. The truck remained at the shop because the charged me for all the storage fees during my mothers sickness. The finance company refused to come and get it. The shop put a lien against the storage fees and sold it at an auction. I just received a letter from the finance company stating that I owe them XXXX and they are willing to accept less than that amount. I can not purchase another vehicle until this is settled and I will continue to use a rental. I have been using a rental since XXXX XXXX. I am will to pay the {$1500.00} for a payoff plus remove this bad debt off my credit. I bought a lemon and they wo n't own up to it. I made a complaint with them. They do not care. I have paid all of that money plus repairs and I still do not have a vehicle. I do n't have the truck. I was told by a letter that it was going to auction. Please help me!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Creditors called my aunt and uncle 's home and cell phones looking for me. I had never given them their information to contact them. I called Ally Financial to tell them not to call my family and they assured me that they would not. They told me that their number was not one they used to contact me. When I asked how they were able to obtain such information that said they did not know how or why they were being called. They said a third party may be responsible but they were not able to give any further information when I requested it. They reassured me that they would not be calling them again. However a few weeks later my aunt and uncle called saying they had more harassing phone calls from the company.

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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account was taken over by XXXX. Credit history showed account in good standing from XXXX XXXX through XXXX XXXX. In XXXX XXXX the account was reported to the credit bureaus as 90 days late. No information was reported in XXXX XXXX, and account showed current in XXXX XXXX. It is impossible that there could be a delinquency of 90 days in a month of 31 days. There was a minor delinquency that was caused by a payment going to the old servicer instead of the new, but a forbearance was granted retroactive to the first day of the delinquency, which negates the delinquency. I have attempted to have the item removed but have been unsuccessful.

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 2017-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
Gentlemen, Sometime of XX/XX/XXXX XXXX of Arizona posted an On-Line advertisement for a XX/XX/XXXX XXXX for {$22000.00} and went to the Dealer and Traded-In my XX/XX/XXXX XXXX for {$12.00} since, I needed a bigger size sedan. The Dealer optaine financing from the Nissan Motors Acceptance Corp. for XXXX % interest for me with XXXX months term.which included an Extended Warranty for {$2500.00} and {$1000.00} Gap Insurance. And I found out after driving home while reviewing the sale contract. The Dealer had charged the said car for {$26000.00} instead the {$22000.00} as what they advertised for the same car. I made a complaint with Arizona State Attorney Genera Office. The said Dealer had adjusted the said price and reduced the price of the GAP insurance to {$590.00} and cancelled the rest of the added option. However, The Nissan XXXX did n't adjust my monthly payment after the said adjustment. My Contract account number with Nissan XXXX is XXXX That started on XX/XX/XXXX and will end XX/XX/XXXX respectively. The original amount finance was {$35000.00} as I was upside down on my Trade-In. After the dealer returned and all those price adjustment and cancellation of all the add-ons. The Nissan XXXX failed to adjust the monthly payment term. I used to pay on my old car just {$310.00} a month. With my New Car Nissan XXXX. It cost me {$550.00} a month. I want them to restructure my car loan with them. For reasons I am a working XXXX. The {$550.00} monthly payments is blowing my budget. And might fall behind in my payment with them. I never missed a single payment with them. But, XXXX XXXX will affect my budget as time at work. I am appealing to your good office to intercede on my behalf. As I can foresee the bleak future ahead while balancing my financial obligation and the XXXX advancement for me and the future. I do hope the Nissan XXXX Dept. We give me their utmost consideration with all my undertaking. They are even rewarding XXXX with bonus rebates. All I am asking from them is to restructure my loan and payment. Even, Giving me a XXXX months term to lower my payment and achieves my goal and XXXX at the same time with a good standing with them and be a loyal customer hopefully if things turn out for the better in my situations. 

Thank You very much for your kind Understanding and Consideration and more power to Office and Staff members. 

Sincerely, XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Starting in 2013, someone used my name and my address to create checks, and a fraudulent checking account. I filed a complaint with the FTC ( ref. XXXX ) and a police report ( RN. XXXX ). I recently found these checks on my credit report which does not belong to me

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 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
please find attached the FTC application, along with my dispute letter, stating that the following account are not mine and have been mixed up with another persons identity, therefore i have been disputing these items for more than one year and experian does not remove them from my records, please help me with this situation. 
thank 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 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Creditor ( XXXX/XXXX ) continues to report past due payment although payments are managed by XXXX at a fixed monthly amount that creditor agreed to at initial contract. Previous dispute was not resolved and incorrect information has not been removed. It is not accurate, fair or ethical to claim a past due amount when that was n't the agreed upon monthly payment.

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 2017-02-02 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
XXXX USES WESTERN UNION TO TRANSFER CASH TO FOREIGN COUNTRIES. There are n't any signs displaying the Western Union charges of {$9.00}. XXXX charges {$10.00} instead of the correct price of {$9.00}. Please insure that XXXX charges the correct amount of {$9.00} for money transfers by Western Union and that it displays Western Union signs displaying the correct prices as soon as possible. The address of this XXXX location is:XXXX XXXX XXXX , XXXX , VA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is in default as of right now ; FAILURE TO SHOW VALIDATION OF ALLEGED DEBT FAILURE TO SHOW VALID CURRENT LAWFUL CONTRACT USING PERSONAL AND PRIVATE INFORMATION WITHOUT MY CONSENT, 2ND DEGREE FELONY Florida Statute XXXX, numerous legal notices, and notifications ignored, VIOLATION OF COMMON LAW COPYRIGHT, COPYRIGHT INFRINGEMENT PUNATIVE + ATTORNEYS FEES@XXXX PER HOURLY RATE X 46 HOURS total is {$770000.00} Bank of America has failed to rebut ANYTHING I have claimed, therefore they acquiese in tacit procurement and I am starting administrative process for a non-judicial process known as a commercial lien for damages and violations they have committed

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 2017-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a modified mortgage in XXXX and my payments kept going up and I was having trouble making those payments. I am a XXXX, I could be working one day and out of work for 8 months. This job is very unpredictable. XX/XX/XXXX I was given a forbearance loan and made all the scheduled payments. I did not realize it was for only for 12 months. I made the payment in XXXX and XX/XX/XXXX at the forbearance rate. I tried making XX/XX/XXXX payment and was told I was in foreclosure since XX/XX/XXXX. I have not received any notice of foreclosure. They said I have to " repay '' the overdue balance as stated in the forbearance agreement. I went thru the agreement and there is no such statement. My wife keeps in contact with Bank of America regularly. She is not listed on the mortgage but does all the work with them for me. When my wife went thru the forbearance contract it stated that after the forbearance period the payments would return to normal. There was nothing in there about making a payment for an overdue balance. My wife spoke to the manager in charge of my mortgage. He accused of her of not being able to read and understand the paper work involved in the contract of the forbearance. She asked him to send her a copy of the paper that states the balance must be paid at the end of the forbearance period. He stated he could not because one does not exist. He also told her that she could not speak to any one else but him. If she called she had to have the representative get in touch with him immediately. My wife is not on the mortgage and she received a bill in the mail in her name only for {$11000.00}.

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 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX I lost my job. In XX/XX/XXXX I went back to work full time. Over the past 6-8 months I have been trying to work with PNC to get a loan modification and avoid a foreclosure. I have had a very difficult time with PNC. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. PNC always seemed to lose my paper work, which I constantly had to re fax. In XX/XX/XXXX PNC told me I was in underwriting with a complete package. Then in the end of XX/XX/XXXX, right in the middle of the holidays PNC asked for more documents. Which were the same ones I already sent. PNC 'S modification department is beyond dysfunctional. Then in XX/XX/XXXX PNC stated that I needed to resubmit and start all over. I then began to resubmit the modification and go through the dysfunctional system again. So now in XX/XX/XXXX when I had a confirmed complete package PNC said there is not " enough time '' because of a sale date on XX/XX/XXXX. Completely backed doored by PNC. I am now facing a bankruptcy and a foreclosure because of the dysfunctional train wreck that is PNC modification dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America, N.A., Fraudulent collection and foreclosure practices on secured property and perfected property of interest. Bank of America has no lawful interest and has submitted fraudulent XXXX forms to IRS etc..with consumers personal identifiable information illegally and without consent. Assigned Lawyers have also committed federal interstate commerce fraud and submitted fraudulent documentations and paperwork along with fraudulent and fake autographs passing them as original instruments. Bank of America illegally filed fraudulent documents with the State to pass off as valid and lawful negotiable instruments of which they do not have.

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 2017-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Providian National Bank threatening suit on a debt that was charged off in 2004 using XXXX & XXXX ( case XXXX ) on account XXXX. Debt collector calls on an almost daily basis threatening suit and indicates this will be the last call then calls the following day with same threats. Used location service Overnight Locators XXXX XXXX XXXX as well. Calls family members and neighbors. Debtor is XXXX years and lives on social security. Please stop ALL communications immediately including telephone and letters.

Company response to consumer: Closed with explanation