vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Today I was contacted by appointment with XXXX XXXX in an attempt to transfer XXXX investment accounts as a result of my recent departure with my employer. I called XXXX XXXX   ( also XXXX ) to move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes. 

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called BOA  who transferred me to the " closing department '' ( XXXX ) and was advised that BOA closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why BOA would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another BOA  investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by BOA as  a true example of professional banking standards and regulatory compliance. This was surely a waste of BOA employees time, of mine and is a clear example of a break in process.

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 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: KY

Complaint narrative:
I was balancing my checking account online the first week of XX/XX/XXXX. My account was almost {$7000.00} short and none of this qualified for the account monitoring I pay for to be alerted. On XX/XX/XXXX, over {$4400.00} was electronically deducted from my checking to pay for a storage building in California. How this did not trigger any suspicious activity alert, I do not know. Fortunately, this was refunded to me by the bank. Beginning XX/XX/XXXX and going through the first week of XX/XX/XXXX stolen and forged checks were cashed at the BANK BRANCH in person with the perpetrator signing his name, leaving his finger print, and social security number. He was arrested and charged with over 10 felony ID theft and forgery charges, and admitted to stealing the checkbook from my home. I gave U.S. Bank the police report and filled out an affidavit. As stated on the bank 's website I had 30-45 days to submit the complaint, which I did and followed all the requirements asked by the bank.I proved my money was illegally and wrongfully taken from me and the bank closed my account and refused to replace the money. On top of this, the bank closed my account before the last stolen check posted, result in overdrafts fees to the old account. I did everything on my end and I am being dismissed. The bank also allowed over {$700.00} to be electronically stolen in XX/XX/XXXX that I had to catch myself as well. I put my money in the bank so it can be protected from other people, and the bank literally accessed my account without my permission and gave my money away, which is theft. How can U.S. Bank charge for account monitoring and be a federal bank if it can't even protect what little money I had? Money I had to borrow from the U.S. Dept of Education for my tuition. This bank has more than enough to cover my loss, which they allowed in the first place. Had they taken one minute to verify just one of those checks this could have been avoided. I have called over half a dozen times to dispute the denied claim, and ask how they can just hand out a customer 's money when the check is forged, and the teller informed me they do not check signatures or verify checks, as long as there's money in the account they will cash it. How is this fair? How is this a federal banking policy? I just want my own money back plus the overdrafts fees, which is {$1900.00} plus overdrafts.

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 2018-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: MT

Complaint narrative:
XX/XX/XXXX I purchased around {$400.00} of bitcoin from Coinbase and i was Double charged that amount on XX/XX/XXXX. I still have not received a refund. Just automated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Albuquerque Auto Outlet
State: NM

Complaint narrative:
Car was repossessed on XX/XX/XXXX. They did not give me 10 days to redeem collateral, they sent me a certified letter received XX/XX/XXXX ( tracking # XXXX ) "  Notice of Plan to Sell Property '' but the letter was dated XX/XX/XXXX and stated they put up vehicle for private sale on XX/XX/XXXX. This was all I ever received from them. Never have I received a notice of sale of collateral and possible deficiency. I am attempting to purchase a house but having problems because they show a repossession with balance owed {$8900.00} which does not reflect the sale info for vehicle. I have had nothing but problems with Albuquerque Auto Outlet from the get go. I need to have someone audit their disclosure and collection methods. I also called and spoke with XXXX XXXX on XX/XX/XXXX and advised of the problem. She stated she would call me back but as usual I have not heard anything.

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 2018-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX when I was making a payment over the phone for my mortgage, the servicing company ( Specialized Loan Servicing, LLC - SOS ) offer me a 3 month deferral payment because I was on the affected zip code area in XXXX. First they told me to just not pay for three months, that it sounded very odd to me, when I called again and again, they always gave me a different answer. Finally on the 12th call, they told me I needed an approval from the bankruptcy court authorizing the to grant me deferral program. My attorney went to court and got approval by the court and send it to them. I didn't pay for three months and on XX/XX/XXXX, made my first payment and so on, until this date. Now they are taking me to court and saying that am 3 months behind payments, because they never signed an agreement with me. After trying to find a solution and explain that I was affected by the Hurricane, they offered me a 6 month re-payment plan ( for the 3 unpaid months ) wish I agreed, but now they are not sending me the agreement of the repayment plan and are taking me to court. 
I do not think is a fare way to deal with a customer and I do not believe I have done anything wrong other that believe their word. 
What options do I have than to take them to court and I do not have the funds for an attorney.

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 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After years and years of the paradigm of a monthly transfer of funds from my corporate bank to my personal account with Citibank, to facilitate my ability to pay my personal bills ( Rent, utilities, personal expenses, etc ) and depending on having the funds immediately available to make those payments ; this month ( XX/XX/XXXX ),  without notice or warning, Citibank suddenly put a hold on my funds leaving me in the position of being unable to pay my rent. 

Calls to Citibank resulted in a complete unwillingness to correct this, although they indicated my account had no issues. They indicated they were doing this broadly, as if these criminals XXXX  more people lets them off the hook for their unconscionable actions. 

Im now left unable to physically make a rent payment. 

Citibank is a criminal enterprise. They need to be treated as such by oversight groups within the United States government. In XXXX these predatory monsters attacked me financially through their credit card division causing financial injury. At that time, as is the case here, I did nothing to warrant their actions ( as they repeatedly admitted ) At the time the Consumer Financial Protection Bureau did not exist and the corrupt OCC was zero help. I was left without recourse.

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 2018-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc.
State: MD

Complaint narrative:
ACCOUNTS ARE STILL ON MY CREDIT REPORT AACOUNT # XXXX FOR THE AMOUNT {$150.00} AND HAVE NOT BEEN REMOVED. ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOWNE MORTGAGE COMPANY
State: GA

Complaint narrative:
On or around XX/XX/17, we initiated a no-cash-out refinance application with Towne Mortgage. Since I am a XXXX veteran, and on a fixed income, I only wanted to reduce my mortgage payments by eliminating the PMI on our current conventional mortgage. We have been waiting on a closing date since XX/XX/XXXX, and have now been advised that we will be denied for the refinance due to ONE late mortgage payment. We were given the opportunity to explain the late payment, which was caused by clicking on the wrong date on the website when setting up a payment. We have had the home inspection, provided the appropriate documentation and other subsequent documentation. We feel that the denial reason that Towne is giving us suspect and feel they are engaging in discriminatory practices. Why would they schedule a costly home inspection without everything else being In order? Doesnt seem like a reasonable business practice ; why allow us the opportunity to explain the late payment if the explanation would be discounted? Please investigate and to why this refinance went sideways.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian Has refused to send me documentation used to " verify/validate '' the debt that I have several times I have requested. Experian on numerous occasions sends me computer generated responses and does not look into the full extent of my dispute reasoning. Experian says taht I need to provide additional relevant information and information that was not presented when previously disputed. Well if Experian would actaully read the disputes and notice that I am asking for documentation and information that was used in the alleged " verification process/validation process ''. If they would answer that response than my letters would stop but since they have not answered them than I have every right to dispute and send letters. Experian has an obligation to fulfill the requests that the consumer asks for.

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 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
company told me my early termination fee was going to be {$300.00} and then sent me a bill for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I need to know and for tax accounting I need to know the money that goes into my escrow and the amount that goes out of my escrow and where the goes to. 

Please note I have 3 Properties. 

I have 3 mortgage loans with Carrington Mortgage and have requested since XX/XX/XXXX ( today is XX/XX/XXXX ) a digest of XX/XX/XXXX payments into my account and out of my account. They referred me to research - I have faxed, written ( research does not take calls ). I call  and get referred to research, who does not respond. So I mail and fax my request to research. At this time 5 faxes. 

Today I got a call from Carrington and returned it as per the voicemail instructions. After 15 minutes of going through the process, I got a person. Explained, yet again, that I needed to know when payments were made out of my escrow account, to whom were the payments made. He said Carrington does not do this. 

This is completely unacceptable that a company can take my escrow money and make payments out, and not disclose for what and/or to whom the payments were made. Plus, the time and energy I have spent trying to get this simple information is not acceptable. I need to balance my escrows for tax purposes and need this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - XXXX/XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. XXXX ( XXXX XXXX ) - XXXX  will not list that this will affect your credit score, nor did I apply for XXXX XXXX. They've not provided information on what this was for and I would like this removed as well. 

3. XXXX XXXX ( XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through XX/XX/XXXX, but I did not apply for any to pull credit information from my account. 

4. US Bank. ( XX/XX/XXXX ) - I had a secured card from U.S Bank,  therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from 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 explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
in XX/XX/XXXX i wrote to all three credit burueas and explained that national credit systems was responsible to report 100 % accuatre information to the credit aggancys and the did not so XXXX removed it XXXX  and XXXX   have not so i sent and email to XXXX XXXX XXXX to see if they would remove the inaccurate amount i was told they had 30 days but it is well over the 30 days account number XXXX and i did not have a written contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
As I currently work and live in. XXXX, I made a payment a few days late for purchases made on my XXXX credit Card issues for XXXX XXXX XXXX. Upon a visit to the US in XX/XX/XXXX, I realised that XXXX has been charging me monthly late fees and interest on my late fee. I called them and we agreed that I pay a fee of {$30.00} which I paid by electronic check drawn on XXXX XXXX  during the conversation on XX/XX/XXXX. The balance of the late fees was to have been written off at that time. I returned to the US in XX/XX/XXXX for an XXXX   and have realised that despite the agreement made on XX/XX/XXXX,  XXXX did not write off te balance and have been adding monthly late fees so that now the balance is {$430.00}. I called them and asked that they replay the conversation I had with them on XX/XX/XXXX, but all they say is that they will start legal action to collect this debt. I obviously can not force them to investigate the recording ( hopefully you can ), but this is such an abusive practice on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
Company continued to bill me after i canceled my account and moved out of state without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - XXXX/XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. XXXX ( XX/XX/XXXX ) - XXXX will not list that this will affect your credit score, nor did I apply for paypal credit. They've not provided information on what this was for and I would like this removed as well. 

3. Prosper XXXX ( XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through XXXX XXXX, but I did not apply for any to pull credit information from my account. 

4. XXXX XXXX. ( XX/XX/XXXX ) - I had a secured card from XXXX XXXX, therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. PaypalXXXX ( XXXX XXXX ) - PayPal will not list that this will affect your credit score, nor did I apply for paypal credit. They've not provided information on what this was for and I would like this removed as well. 

3. XXXXr XXXX XXXX XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through credit karma, but I did not apply for any to pull credit information from my account. 

4. XXXX XXXX. ( XX/XX/XXXX. XXXX ) - I had a secured card from XXXX XXXX therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from my account.

Company response to consumer: Closed with explanation