vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 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: AZ

Complaint narrative:
the credit agencies need to do there job and give me the information I am asking for in the letter enclosed. I am disputing several items and they do not respond

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 2021-05-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX fraudulent atm withdrawals for {$980.00} were made on consecutive days and in different locations. The first was on XX/XX/XXXX in XXXX, CA and the second was on XX/XX/XXXX in XXXX XXXX, CA. Both cities are in XXXX California, however, I had my card on my person XXXX miles north in XXXX XXXX which can be confirmed by the charges I made in XXXX XXXX area on my BofA XXXX card and personal debit and credit cards. 

On XX/XX/XXXX I called to cancel my card, but was not able to file a claim with the fraud department as they were closed for the day. It took a day or XXXX to finally reach the fraud department. XXXX separate claims were filed for each charge and the below is a timeline of events Letter was sent on XX/XX/XXXX regarding claim XXXX stating that BofA believed my claim was fraudulent and any funds that were reimbursed would be debited from my account. 

Letter was sent on XX/XX/XXXX regarding claim XXXX stating that BofA reviewed my claim and permanently credited my account for the {$980.00}. 

Letter was sent on XX/XX/XXXX regarding claim XXXX stating BofA issued a temporary credit to my account that would post within the the next XXXX business days. 

Letter was sent on XX/XX/XXXX regarding claim XXXX stating my claim has been closed because the bank believes my account or the claim have been the subject of fraud or suspicious activity and any temporary credit applied to my account would be debited from my account. 

A letter on XX/XX/XXXX regarding claim XXXX stating that BofA has completed their investigation of the disputed transaction. The previously issued credit of {$980.00} is now permanent. 

Other Issues that prevented the claims from being approved : Bank of America ran internal audits which automatically closed claims. 

Bank of America created new claims instead of reopening existing claims which raised red flags. 

It has been extremely difficult working with Bank of America to have these issues resolved in a timely manner. I look forward to receiving notification that the funds will be deposited back into my account.

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 2021-05-05 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: NY

Complaint narrative:
I send XXXX xlm coins to coinbase from my ledger live and never received it. I try contacting coinbase about the problem they reply back by saying that the issue has been resolved but it was never resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I contacted Nissan Loss Recovery Department and spoke with a representative by the name of XXXX XXXX, regarding the reporting of inaccurate information by Nissan Motor Acceptance Corporation, to the three major credit bureaus ( XXXX, XXXX, XXXX ). I purchased a XXXX XXXX XXXX ( Vin # XXXX ) on XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX, Virginia. I voluntarily surrendered the vehicle on XX/XX/XXXX and possession was taken on XX/XX/XXXX from my place of residence at XXXX XXXX Court, XXXX, Virginia. Because I was protected by law through a Chapter XXXX Bankruptcy ( Case # XXXX ) with the U.S. Bankruptcy Court Eastern District of Virginia, that was discharged under 11 U.S.C. 727 on XX/XX/XXXX, I was NOT personally liable for any remaining balance due after the sale of the vehicle. I was advised by XXXX XXXX that prior to XX/XX/XXXX, the information that Nissan had previously reported ( Account included in Discharged Chapter XXXX Bankruptcy/Paid as Agreed/Closed/XXXX Balance was indeed accurate. However, after viewing my credit reports on that same day, the account status was reporting inaccurately as Open/Current/Balance of {$10000.00}. XXXX XXXX then informed me that because XXXX had received a Cancellation of Warranty payment in the amount of {$700.00} on XX/XX/XXXX from the XXXX XXXX Dealership, they reopened/reaged my previous account and reported those inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Payoff Statement dated XX/XX/2021 ( enclosed ) included " Unpaid Interest Due at Payoff '' in the amount of {$3300.00}. 
When I asked representative about this number, the answer was : Not all of your payments were considered in this statement, so all your Interest overpayments will be refunded 30 days after closing. 
Since the payoff amount in the Payoff Statement was equal to Payoff presented in Closing Disclosure ( enclosed ), I was expecting for some Interest overpayment refund. 
I never received a refund and called the bank 2 times. Both times I was said that the issue will be reviewed and answered by mail. 
As of XXXX, XXXX nothing happened. 
I need help to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS has 2 collections listed on my XXXX and XXXX credit report Both listed as opened on Opened XX/XX/XXXX {$440.00} Original creditor : XXXX XXXX Ars Opened XX/XX/XXXX {$1400.00} Original creditor : XXXX XXXX XXXX XXXX I never open an account with either creditor, neither did I gave anyone authorization to open an account on my behalf, nor do I know what each of those places are. 
I had previously requested validation and none was sent, seeing that none was sent I filed a complaint with XXXX on XX/XX/XXXX XXXX CASE # : XXXX seeing that the place kept insisting on saying that the debts where mine even without validation I also filed an FTC case for fraud on XXXX FTC Report Number XXXX. 
The company still claims that the debts are mine when they're are not I want both of these debts to be remove from my credit file as they're not mine and my credit report to be updated.

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 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: TX

Complaint narrative:
AFNI is attempting to collect a debt that is outside of the statue of limitation. Furthermore, I was never received a verification of this debt and unaware of any attempts to lawfully notify me. I am completely unaware of this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: ID

Complaint narrative:
On XX/XX/XXXX I notified XXXX that my credit card had been lost. 2 weeks later I paid the balance on the card XXXX. Sometime later, within one year, I started receiving debt collection attempts from Cavalry SPV, LLC. They were trying to collect a debt of XXXX. A lawsuit was filed by Cavalry in XX/XX/XXXX, case # XXXX, in the District Court Of XXXX County in XXXX XXXX XXXX, ID. This case was dismissed without prejudice on XX/XX/XXXX. 
The damage to my reputation and credit rating was immeasurable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX I started a dispute with XXXX credit reporting due to Synchrony Bank/ PayPal Credit card reporting an open account with a {$6000.00} balance that IS NOT MINE. The name and social on this account do NOT match, Ive called Synchrony endless amount of times. They refuse to talk to me since Im not the account holder even though it has my social. Synchrony ended my dispute with XXXX stating that the information on my credit report is true despite the name they are reporting does not match my social. So since XX/XX/XXXX Synchrony bought PayPal credit and messed up and have been reporting the wrong person credit card under my social disregarding the name does not match the social but still have attached it to my report on a monthly basis. I have gotten no where with both companies.

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 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diaz & Associates, Inc.
State: NY

Complaint narrative:
Again another debt collector Diaz & Associates has sent me a letter trying to collect a debt I already paid. In 2005 I paid an outstanding debt to XXXX XXXX and received a letter from the court saying my debt was fully paid. I have attached a copy of that letter from the court. Even though the debt has been paid I still receive harassing phone calls and letters from collection agencies. I have attached a letter sent to me from Diaz & Associates. I have tried through phone calls and letters that the debt has been paid, and made them aware of the letter I have received from the court stating the debt has been paid. They have even called my friends and family asking where I am and told them I owe money. Also they have threatened further legal action even jail. Im tired of these debt collectors selling my information to new debt collectors every time they find out I do not owe that debt. It should be illegal to sell information to debt collectors if the debts have been paid. Enough is enough I want something done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
My taxes are NOT being paid. The money to pay them is in my escrow account, and I have called the mortgage company almost WEEKLY to get them paid. They keep telling me they are waiting for a response from the tax office, which isn't true because they have talked to them AND received the tax statement from them. My Tax Office has talked to them, sent them a statement. .and they are still NOT getting paid. I'm now receiving delinquent tax notices from the tax office. I first contacted them XX/XX/2021... and have been trying to get them paid ever since. They have to actually read back thru notes when I call to get thru all the documentation of all the phone calls I've 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
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/2021 I attempted to schedule a fixed amount recurring payment in order to meet a specific payoff target date. However, when going through the process to schedule the payment the bank informs me that they will adjust the payment amount ( lower it ) if the scheduled amount I make is greater than what is due, and that in doing so, it will likely result in incurred finance charges. I find this practice outrageous!! They are taking deliberate action to change payment amounts in order to generate Finance Charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: FL

Complaint narrative:
XX/XX/2021 To : Consumer Finance Protection Bureau From : XXXX XXXX XXXX RE : Complaint CFPB, I am contacting your agency because I am not able to get my previous mortgage company, LOANCARE to report my mortgage history correctly. We have been trying to get my credit report corrected since XX/XX/2021. 

We had a mortgage with LOANCARE that was paid off in full in XXXX ( Sale of Subject Property ) of 2021. At the time that the Mortgage held by LOANCARE was PAID OFF in full, the mortgage was in Deferment as per the CARES ACT. 

As of this date, XX/XX/2021, LOANCARE is reporting to Experian that we had a 90 day lateness of this account. 

This is not possible because a deferred mortgage under the CARES ACT can not be reported as being late while the payments are deferred. NO payments were due until XXXX. The mortgage was paid off in full in XXXX ( over 2 months ago ). 

We have called LOANCARE repeatedly to request that they send a letter stating that the account is reported incorrectly, but all they say is that it will take 30 more days. 

We are of the opinion that our rights under the Fair Credit Reporting ACT are being violated. This incorrect reporting of our mortgage payment history is damaging my credit and we are now about to lose our {$9500.00} Earnest Money Deposit on the next house we are under contract to purchase. We can not move forward with our mortgage approval because of this incorrect reporting by LOANCARE. 

We are retired and we can not afford to hire an attorney to address this issue. 

We are in desperate need of some help here and time is of the essence. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have an installment loan with the company BBVA, I made a payment on XX/XX/2021 and was told prior to the payment that I qualify for a loan modification to receive a lesser interest rate. The original interest rate for the loan was around 18 %. I agree to the modification and was told that I need to make three months of payments based on the new modification amount, In which idea. I was told that the three modification payments covered XXXX, XXXX, and XXXX. Once the modification was complete it in XX/XX/2021 I received my documents from BBVA stating that my first modification payment was due XX/XX/2021. I spoke to a representative and ask for a payment history on my account, I noticed that nine of the payments that were made prior to the modification all went towards interest none of the payments that I made and Full was applied to my principal balance. In addition BBVA told me even though I was modifying the loan and had made the three payments they had given me until the modification had been completed They would still report late payments to all creditors to ruin my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I already reached out to the credit bureaus and to JPMCB - CARD SERVICE and notify them of their error posting of information on my report. I never missed any payment on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: RI

Complaint narrative:
ARS ACCOUNT RESOLUTIONS INC. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me the following 3 collections for the last few years. XXXX # XXXX for {$990.00} XXXX # XXXX for {$940.00} XXXX # XXXX for {$1500.00}. The collections have been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. I've been actively disputing these charges since last XXXXThese charges are currently on my XXXX and XXXX but not on XXXX I sent a hiippa dispute letter on XX/XX/2021. Its been 30 days, no response. I have sent in 30 day notice to comply to both bureaus today.

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 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America has been holding a significant amount of my money since early in XXXX. The amount currently sits at {$97000.00}. 
They blocked access to my accounts and I have not been able to move it since. 
I have a credit balance on one of my credit cards with them and they have not sent me my money. Specifically I have called into their call centers over a dozen times ( likely more ). I even at one point spoke with someone from their executive office who never got back to me and didn't send me my money. 
Regardless of what was said or not said they still have never given me my money. 
I have given my bank information multiple times to various reps ( So that they could send me the money via a wire ) and also confirmed my physical address for the reps that told me they would mail me my check. None of them ever sent me the money. 
In addition to these phone calls I also sent a registered letter on XX/XX/2021 asking for my money to be sent via a check. They have not responded to that letter either. 
I have proof and documentation on all of this and can answer any further questions that you may have. I have included only one of the chats in which someone told me that someone would get back to me about my money back on XXXX and they never did. They also confirm that I did give the information about my bank account so that they could wire me the money. Also enclosed are the closure letters for my BOA accounts that showed up one day without a phone call or anything else from BOA. I have also enclosed the USPS information which includes the receipt for the certified letter along with the tracking information USPS provides you when sending a registered letter.

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 2021-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I have had issues with XXXX  for the last 10 years. They have recommended forbearance options which then added high interest rate fees to XXXX account thereby increasing my total amount fairly substantially. They were NOT willing to do an income driven repayment plan. I have sent multiple requests over the years and have not received a response. This is highly affecting my credit score and thereby affecting my professional life. I need this fixed ASAP!

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