vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Because I recently put my life savings investments into BBVA I decided to go with BBVA for a loan to purchase a new home. The escrow was supposed to close today, XXXX, but underwriting has completely dropped the ball and failed to process the documents. I just fount out I was never provided required paperwork. The processor quit her job so someone else has had to take over. Evidently it's just been sitting idle on an empty desk. It seems they are making me start over when I was told I was approved for the loan and they agreed to my closing escrow date of XXXX. The sellers have already vacated the home and let for a another state. It now appears I may loose the retirement home I am trying to purchase because they can not fund the purchase timely. The problems appear to be in their XXXX, Alabama, Office. My realtor and title officer have been working tirelessly trying to get some kind of answers, but no one cooperates. The Mortgage Officer/originator is XXXX XXXX, unfortunately he can not even get proper response from the company he works for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I purchased a dishwasher from Best Buy. It was supposed to be on a payment plan plus free delivery and installation. The dishwasher that was delivered was the wrong one- it has a handle on it ( location in the kitchen is in a corner ). I have to have a dishwasher with a flat surface- no handle. Best Buy sales clerk ordered wrong dishwasher- Best Buy refused a return. I'm now stuck with dishwasher that I have to remove handles off cabinet doors to install and use dishwasher. I filed a dispute- received a letter stating I would be credited {$720.00} for the dishwasher. Now Best Buy says they were wrong, I'm liable for charge, one even said I wasn't reading the letter correctly. I even opened a second investigation- never heard back. Also - the installer damaged my home - he left - I had to have a plumber ( local ) install the dishwasher and Best Buy ( after many many phone calls ) agreed to pay {$200.00} of the {$220.00} charge and mailed me a check. Best Buy insisted I purchase an installation kit for ( roughly ) {$30.00} - my plumber said that was fraud, not needed, didn't use kit and I returned the kit for a refund to the card. Best Buy is insisting both of these refund amounts ( {$230.00} ) is towards the dishwasher- I am liable for the rest.

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 2020-10-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently sent letters over 60 days to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging affect on my credit report and score.

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 2020-10-01 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: ECMC GROUP, INC.
State: MS

Complaint narrative:
COVID19 CARES ACT PAUSED STUDENT LOAN PAYMENTS XX/XX/2020 TO XX/XX/2020. I PLAN REHAB AFTER UNSUCCESSFULLY DISPUTING WHAT IS OWED. ONCE I BEGAN TO PAY, THEY BEGAN TO RUID MY CREDIT SCORE FROM DECREASED BY 107 POINTS FROM NEGATIVELY RUINING MY CREIDT. CARES ACT WOULD ALLOW ME NOT TO PAY UNTIL ORIGINALLY XX/XX/2020 TO XX/XX/2020. IT HAS NOW BEEN EXTENDED UNTIL XXXX 2020. I NEED MY CREDIT SCORE REPAIRED TO THE GOOD STANDING THAT IT WAS IN PRIOR TO REHAB PLAN. THIS IS DECEPTIVE AND FRAUD.

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 2020-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I had a select credit account with HSBC where two online Cash advances occurred. XXXX for {$12000.00} and XX/XX/XXXX {$3000.00}. The money was transferred to an online HSBC online money market account ( joint account ) with my wife. The money had been transferred out From the joint to two banks XXXX XXXX  and XXXX XXXX XXXX. I called several times to report the issue. This transaction was never tagged as fraud. I have also sent numerous certified letters and have not received any correspondence from the bank. I have sent a police report to HSBC and even went to a branch to speak with a representative and spent 3 hrs on on XX/XX/XXXX to try and resolve the issue. To date i have received no correspondence from HSBC acknowledging the issue. I would like to get an email acknowledging the issue and a reference number for the related investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about my statement cycle posting to the credit bureaus before the cycle ended. XXXX XXXX informed me that they had a posting error for a subset of Customers in early XXXX that caused them to post incorrect info to the credit bureaus by reporting that they had late payments on their accounts. To fix this issue they re-reported to the bureaus to correct the mistake. However, they included my account in that batch of customers even though I was not impacted in the initial error. This caused XXXX XXXX to send an update to the credit bureaus for my account on XX/XX/XXXX in mid cycle which was in error because they erroneously included me in the batch of customers who were impacted by the initial late payment error. ( My cycle actually ends on XXXX ) This negatively impacted my and all authorized users on my account credit. XXXX XXXX admitted that they posted my cycle outside the contractual agreement we have however have yet to correct the error with the credit bureaus. Due to this error I did not have the opportunity to make payments in a timely fashion and was not provided the amount of time in my cycle to make my payment before they made a report to the credit bureaus. The negative impact to my credit report has impacted the interest rate I qualify for on my FHA loan for my home that I am building, costing me thousands of dollars over the life of the loan. XXXX XXXX also is discriminating against me because they admitted that they are trying to resolve the issue for the first group of impacted customers however refused to address the errors related to my account. So they are unwilling to have fair and just treatment with all customers. If XXXX XXXX would have reported on my cycle end date then I would have had a XXXX balance and this would not have negatively impacted my credit utilization.

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 2020-10-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about my statement cycle posting to the credit bureaus before the cycle ended. XXXX XXXX informed me that they had a posting error for a subset of Customers in early XXXX that caused them to post incorrect info to the credit bureaus by reporting that they had late payments on their accounts. To fix this issue they re-reported to the bureaus to correct the mistake. However, they included my account in that batch of customers even though I was not impacted in the initial error. This caused XXXX XXXX to send an update to the credit bureaus for my account on XX/XX/XXXX in mid cycle which was in error because they erroneously included me in the batch of customers who were impacted by the initial late payment error. ( My cycle actually ends on XXXX ) This negatively impacted my and all authorized users on my account credit. XXXX XXXX admitted that they posted my cycle outside the contractual agreement we have however have yet to correct the error with the credit bureaus. Due to this error I did not have the opportunity to make payments in a timely fashion and was not provided the amount of time in my cycle to make my payment before they made a report to the credit bureaus. The negative impact to my credit report has impacted the interest rate I qualify for on my FHA loan for my home that I am building, costing me thousands of dollars over the life of the loan. XXXX XXXX also is discriminating against me because they admitted that they are trying to resolve the issue for the first group of impacted customers however refused to address the errors related to my account. So they are unwilling to have fair and just treatment with all customers. If XXXX XXXX would have reported on my cycle end date then I would have had a XXXX balance and this would not have negatively impacted my credit utilization.

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 2020-10-02 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Requested several attempts to resolve late payment status on a secured credit card closed in XXXX. for the past 6 months thru Wells Fargo Complaints Management Office.. 
Finally received notice and written communication XX/XX/XXXX via email. instead of phone messages. 
I had requested a secured card to be closed in XXXX of XXXX and to use the proceeds from the savings account to pay off the card. and send me any balance that I may be owed me, or if I owe them to send me a billing of what I owed them. as I was closing down a XXXX  due to financial demise in XXXX. Instead Wells Fargo kept the account open and generated additional late fees and higher interest rates until it came to the point of having to charge it off, However they couldn't charge it off as there was a secured savings account covering the card, The account was paid in full by me in XXXX of XXXX and it is not the late charges or higher interest I am concerned about it is the reporting. They reported it as 30 day 60 day 90 day 60 day 90 day late. The payment from the secured account would have brought it current so having multiple 60 and 90 day late with this account at Wells Fargo wasnt accurtate reporting. However they removed the initial 30 and 60 on XXXX  and XXXX  leaving 90,60..90 late on XXXX  beginning XXXX XX/XX/XXXX and on XXXX  they changed it from 90.60.90 to 120.90 120 day late both starting XX/XX/XXXX. When all 3 of these late payments should have been removed with the initial 2 late payments, as the seven year time frame has arrived for removal which XXXX has done properly and no longer reports any history of late pays.. and at the same time XXXX XXXX increased the XXXX  late payments from from 90 ,60.90 days instead now reporting them as 120.90.120 late days. 
Wells Fargo need to eliminate the remaining late payments that were in succession with the original 30 and 60 day late payment that they removed as the time of 7 years for the initial late payment succession began and all reference and history of late payments should now be removed from my XXXX  and XXXX  credit report. .Currently XXXX is the only agency properly reporting no late payments and I would like Wells Fargo to correct the issue with XXXX  and 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 non-monetary relief
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
Received notice dated XX/XX/2020 from Commonwealth financial systems for medical bill, service date XXXX.The agency placed the debt on my credit file and after i disputed the information XXXX   and XXXX both reported that the information was verified. 
I contacted the agency and was given the phone number for the hospital billing department, however the representative was unable to verify the information and reported i was the tenth person to call and she is unable to assist because the hospital does not bill for the ER doctors .The hospital representative provided a phone number for the physician billing supervisor and my calls have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: NY

Complaint narrative:
Request to Remove All Delinquents Credit Reporting With Judges MANDATE From United States Court of Appeals for the Second Circuit Today with Sufficient Supporting Proof In XXXX XXXX favor against United States Department of the Treasury. Social security check garnished every month and bad faith collection not following FTC guidelines by XXXX XXXX XXXX collection company and neglect. 

To Remove All late payments for FedLoan for the past three years because I was in school and Administrative Waiver under Federal law timely file. I was also granted as a matter of law and Sovereign Immunity. 

XXXX XXXX XXXX is desperately collecting and reporting incorrect XXXX XXXX  XXXX XXXX  prepaid card with out proper full disclosure of Truth In Billing Reconciling all payments activities and Federal Truth In Billing Disclosure Act for closed paid initial account paid in full for {$300.00} reported as {$3500.00}. No proof provided just frivolous comments with no bank statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have applied for XXXX due to recent lost of work hours, but I have never received my XXXX debit card from Bank of America ( BoA ). I have tried to reorder the card three times. None of the card ever arrive at my address. 

Due to this BoA, put a lock on my card, preventing me from reordering another card. I have tried to reach their Customer Protection service, but noone will pick up. I am currently have no way to access my fund.

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 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
COVID19 CARES ACT PAUSED STUDENT LOAN PAYMENTS XX/XX/2020 TO XX/XX/2020. I PLAN REHAB AFTER UNSUCCESSFULLY DISPUTING WHAT IS OWED. ONCE I BEGAN TO PAY, THEY BEGAN TO RUID MY CREDIT SCORE FROM DECREASED BY 107 POINTS FROM NEGATIVELY RUINING MY CREIDT. CARES ACT WOULD ALLOW ME NOT TO PAY UNTIL ORIGINALLY XX/XX/2020 TO XX/XX/2020. IT HAS NOW BEEN EXTENDED UNTIL XXXX 2020. I NEED MY CREDIT SCORE REPAIRED TO THE GOOD STANDING THAT IT WAS IN PRIOR TO REHAB PLAN. THIS IS DECEPTIVE AND FRAUD.

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 2020-10-02 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: EQUIFAX, INC.
State: MS

Complaint narrative:
COVID19 CARES ACT PAUSED STUDENT LOAN PAYMENTS XX/XX/2020 TO XX/XX/2020. I PLAN REHAB AFTER UNSUCCESSFULLY DISPUTING WHAT IS OWED. ONCE I BEGAN TO PAY, THEY BEGAN TO RUID MY CREDIT SCORE FROM DECREASED BY 107 POINTS FROM NEGATIVELY RUINING MY CREIDT. CARES ACT WOULD ALLOW ME NOT TO PAY UNTIL ORIGINALLY XX/XX/2020 TO XX/XX/2020. IT HAS NOW BEEN EXTENDED UNTIL XXXX 2020. I NEED MY CREDIT SCORE REPAIRED TO THE GOOD STANDING THAT IT WAS IN PRIOR TO REHAB PLAN. THIS IS DECEPTIVE AND FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
COVID19 CARES ACT PAUSED STUDENT LOAN PAYMENTS XX/XX/2020 TO XX/XX/2020. I PLAN REHAB AFTER UNSUCCESSFULLY DISPUTING WHAT IS OWED. ONCE I BEGAN TO PAY, THEY BEGAN TO RUID MY CREDIT SCORE FROM DECREASED BY XXXX  POINTS FROM NEGATIVELY RUINING MY CREIDT. CARES ACT WOULD ALLOW ME NOT TO PAY UNTIL ORIGINALLY XX/XX/2020 TO XX/XX/2020. IT HAS NOW BEEN EXTENDED UNTIL XXXX 2020. I NEED MY CREDIT SCORE REPAIRED TO THE GOOD STANDING THAT IT WAS IN PRIOR TO REHAB PLAN. THIS IS DECEPTIVE AND FRAUD.

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 2020-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
There are 4-5 medical collections that does not belong to me and it's a fraud and it's attached to a name called XXXX XXXX ... That's not my name!!!! I was shocked when I reviewed my credit report this week and I found multiple medical collections on my credit report from the 3 major credit bureaus from your company ( First Financial Resources , Inc . 
) that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
First of all, Wells Fargo originally sent me a letter two months back saying that claim # XXXX was determined that an error did occur and that I wouldnt be responsible the credit was permanent. Two months later now they recharged my account. The Checking account ending in XXXX is overdraft in the amount of {$1800.00} all of the transactions which caused the account to go negative were all claim reversals no money was received from these transactions but Wells Fargo recharges their customers even when an error actually did occur. I do not agree with their decision. And didnt receive any documentation or proof no error occurred. Secondly on the credit card the propel card. There was fraudulent transactions Back in XX/XX/2019, this was reported right away there were thousands of dollars to XXXX. I have been reaching out to each merchant individually. XXXX has informed me they dont locate an account for me, therefore do not see any charges were charged to me. Yet Wells Fargo says these were not fraud and were authorized, however the merchant says they were. Same with the favor transactions and every single transaction I Reported that I shouldnt be liable for. On top of that Wells Fargo charged me a late fee on the card they expect me to pay even when I was on covid payment assistance. Which they didnt tell me ended either.

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