vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp
State: NC

Complaint narrative:
My husband passed away in XX/XX/XXXX.  I contacted his bank to ask for a printout of the last 3 months in order to contact any accounts he had.  I contacted Lending Club and they stated it was a joint account because I had signed for the loan.  I absolutely did not.  I had no knowledge this loan existed and would not have agreed to take out a loan from them.  They sent my denial through the their fraud department.  Their decision was that it was a joint account, therefore, I owed the debt.  I asked for a copy of my signature but was told it was done by checking a box electronically.  I asked for date and time signed and IP address of computer used.  I was told all of that would be sent to me.  Nothing was ever sent.  I never received an email, phone call, package of information in the mail, or anything to let me know a loan was taken out in my name.  I was unaware the loan existed until my husband passed away.  I never speak to the same person at Lending Club.  Each person I speak to assures me the information requested will be sent.  At one point, I was told the information could only be sent to an attorney so I gave them the name and number of my attorney-still nothing.  I sent a letter to the Lending Club corporation but did not receive a response.  I was told they would re-investigate my claim and someone would call to talk with me.  Instead, they placed the loan in a charged off file and it is destroying my credit.  I filed a dispute with the 3 credit reporting agencies.  XXXX has deleted Lending Club from my file.  XXXX   and XXXX have not as of yet.  If my name was used, it was used without my permission or knowledge.  I didn't keep a list of all dates and times but here are a few:  XX/XX/XXXX spoke with XXXX.  He did tell me the loan began XX/XX/XXXX.  I asked for the time and IP address and he said it would be sent to me.  He forwarded me to someone else.  I left a message but received no call back.  XX/XX/XXXX spoke with XXXX.  He said it was being investigated and someone would call to ask me questions.  XX/XX/XXXX spoke with XXXX.  She said the account was determined to be mine.  I asked how that was possible since they were supposedly investigating and someone was supposed to talk with me.  She said she must have made a mistake and someone would call me.  XX/XX/XXXX spokje with XXXX.  she said someone would call me.  Later in the month, the fraud specialist called to tell me I was responsible because it was a joint account.  My attorney is XXXX XXXX, XXXX.  Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
On XXXX  XX/XX/2019 I send a western union transfer to my sister for emergency when she goes to pick up the money they told her too much transaction. It was only $XX/XX/XXXX.when I called western union they give me another tracking number to go get my money back.2 days ago I sent $XX/XX/XXXX I am still not getting the money back, they also told me they can't give me any information about that money so I don't know what to do ,I don't know if I'm going to loose that amount the $XX/XX/XXXX or if I have to wait.also the western union customer service don't really don't speak English. My sister need that money so bad it is for emergency. I want to know why ever time I send a money in western union they block the transfer .thank you! Western union is bad now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I reported fraud and suspicious activity on my boa accounts since XX/XX/XXXX   at XXXX XXXX XXXX XXXX  XXXX va. XXXX did a intense research as per her letter stated XX/XX/XXXX on all of my accounts (XXXX XXXX XXXX)First of all as the attachments show my name is at the top of the XXXX   account. In XX/XX/XXXX $XXXX dollars was transferred to a account # XXXX as per documents from boa XXXX. She stated that their were no linked accounts. My address of XXXX  XXXX XXXX XXXX nc XXXX was reported to boa in XX/XX/XXXX after selling my XXXX XXXX XXXX home. As per the documents sent to me by the cfpb file my address was taken off my account of XXXX and combined with Mr XXXX XXXX accounts and my account information was denied access to me due to boa sent my XXXX to XXXX XXXX XXXX XXXX   XXXX va  in XX/XX/XXXX. we were legally separated as of approx XX/XX/XXXX as per the court records that was  entered by Mr XXXX .I need the authorization documents that were signed and on record with boa on who transferred all the funds out of my XXXX in XX/XX/XXXX and whose account it was transferred to ending in #XXXX. Also I need the authorization documents that were submitted to boa to combine my personal XXXX account with Mr XXXX XXXX sole account info in XX/XX/XXXXand changed where my account info was being sent to  since Mr XXXX entered the seperation agreement in XX/XX/XXXX.  By bank of America changing my address to XXXX XXXX XXXX XXXX   XXXX va instead if my reported address if XXXX XXXX XXXX XXXX nc XXXX it  denied me access to my monies and funds info to keep track if the fraud and suspicious activity that I reported    were being  tampered with .Attached are the #XXXX transfer proof in XX/XX/XXXX sent to cfpb by XXXXProof of my XXXX  being comingled with Mr XXXX  personal accounts in XX/XX/XXXX and thru XX/XX/XXXX attached as sent to the cfpb by XXXX in XX/XX/XXXXAddress change proof attached in XX/XX/XXXX as per attached info to the cfpb in XX/XX/XXXXAnd a card # XXXX was used to transfer funds toI need to request info documents on all if the above Thank you 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 2019-08-17 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: Aqua Finance, Inc.
State: IL

Complaint narrative:
Aqua FinanceInquiry from XX/XX/2018/XXXX Hard inquire. . . . .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/19 I open the Bank of America mobile app. On XX/XX/19 there was a charge on my account for the sum of $XXXX and a $XXXX fee. I call Bank of America customer support to inquire about this charge. I learned that it was a fake check. The rep helps me freeze my account and cancel my current debit card. At this point I did not ask for an ETA. One week goes by call up to fraud department and they tell me that it can take up to 60 business days. Have not heard from them since then. I've read a few things online about people in the same predicament as I am and it has taken even longer for them. Other cases BofA just closed the case and the person never got their money back. Feeling something similar coming my way.

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 2019-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/2019 at approx. XXXX CST I spole with XXXX XXXX, a representative with US Bank. I was inquiring about the US Bank Visa Signature Rewards credit card. Card holders are allowed to choose two categories in which the cash back rewards for the quarter are 5%. The online information indicated "groceries" was one such category. I asked Ms. XXXX  if I could choose groceries every quarter, and she replied in the affirmative. I asked if there was a cap on the rewards, and she  replied that there is not.Wanting to further make sure that the card would meet the needs of my family, I asked (paraphrasing) "What if i charge $XXXX on groceries every month, would I get 5% back on the entire $XXXX in charges?" Ms. XXXX again replied in the affirmative.    Today, upon receipt of the credit cards (one in my name, one in  my wife's name), I went on line to choose "groceries" as one of my two 5% back categories. I was shocked to see that if i choose "groceries" that I would only receive 2% back!!!I called the US Bank phone number today, XX/XX/XXXX at approx. XXXX   XXXX CST. The first rep I spoke with said there was nothing that could be done. I asked to speak to her supervisor. I was connected with and spoke to, XXXX, also told me there was nothing to be done. I asked to speak with XXXX supervisor, and he told me that a manager will call me within 24 hours.A representative of US Bank lied to me. Believing the rep, Ms. XXXX, I went ahead and applied for the card. This was a hard inquiry on credit file, and impacted my FICO 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 non-monetary relief
Consumer complaint received 2019-08-17 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: Upstart Holdings, Inc.
State: TX

Complaint narrative:
My wife & I had 2 of our homes destroyed in Hurricane Harvey and we both had to take off of work multiple weeks in order to assess the damage and figure out where to go from there. Consequently, we contacted Upstart to ask for a loan extension to move the next 2 payments to the end of our loan. Upstart has offered this service to victims of the California wildfires, but were callous when offering something to Harvey victims. They agreed to reduce our next 2 payments to ~$180/month (from $XXXX), but then our remaining payments would be $XXXX, which didn’t make sense when factoring out how much more we would be paying. Upstart also explicitly stated that these two payments WOULD NOT BE REPORTED AS LATE ON OUR CREDIT. However, Upstart began reporting late payments that same month and everything went down hill from there. The reporting of our payments are incorrect, one payment is missing entirely, we currently show as being 90 days past due two separate times now, etc etc. I was quite furious about this matter, so I acted accordingly and created multiple social media accounts & a website that gained traction rather quickly. I was subsequently contacted by an Upstart attorney who then offered me $XXXX to settle the social media & website matter and to turn over all websites and media accounts to Upstart; I agreed with a couple caveats - the main caveat being that they must follow up on our account and correct the multiple erroneous late payments on our account. However, I was never contacted again about our credit report and had to initiate contact with their attorney again before getting any response, but still nothing was done. Because of their errors and egregious inaction, this has destroyed our once perfect credit and has cost us thousands of dollars in additional interest paid in new credit accounts; We have also had 2 credit card accounts cancelled because of these ridiculous errors, which collectively had over $32,000 in available credit at the time of closing. I have recorded calls, emails, and a legally binding contract that all corroborate what I’m stating in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Repeated calls. Asked them not to call during day while working. Repeated calls on Sunday

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 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: LD Holdings Group, LLC
State: CA

Complaint narrative:
XX/XX/19-I sent a request through XXXX XXXX for re-fi options. You only give them your name contact info, loan amount, absolutely no personal information like social security numbers or dob entered. XXXX XXXX sent my social security number and all personal information out to neumeous entity’s without my approval or knowledge XX/XX/19 - I spoke with one of the companies XXXX XXXX  sent my information to Loandepot.com. XXXX XXXX  called me, he asked if I could verify my dob and last 4 of social, I’m perplexed as to how he has the last 4 of my social and dob, I’m assuming this is to verify I’m the person I say I am. I later found out he ran my credit. He never asked for permission nor did I give permission to run my credit. Now my credit has been hit, and this is fraudulent conduct. I have emailed XXXX  XXXX, his parter XXXX XXXX  who was cc’d on our email, I have left messages XX/XX/19 from first thing this am for their manager XXXX XXXX, his manger XXXX  XXXX  with no response.I have filed a complaint with XXXX  XXXX, Loandepot.com, XXXX, I’m asking that you please research this matter, this should not have happened, this is illegal, and this person XXXX  XXXX  seems to be licensed in multiple states. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My name is XXXX  XXXX XXXX, I have contacted by certified mail each credit bureau as well as the collection agency to only have a failed attempt. My information and one of a XXXX  XXXX XXXX have somehow merged. I have provided sufficient information to everyone to only get back send verification. When I ask for verification of these accounts they send to my address XXXX XXXX XXXX information. I know this must violate some privacy laws.  If I’m receiving her information she might also be receiving mine.  My credit score has dropped from a XXXX   to a XXXX due to her information being put on my reports. I also have accounts that are not even showing on my reports. I have exhausted all options. So I’m not here. Please fix this issue. When my credit is ran they come back with her scores and information. Please Help.

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 2019-08-17 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: TX

Complaint narrative:
My wife & I had 2 of our homes destroyed in Hurricane Harvey and we both had to take off of work multiple weeks in order to assess the damage and figure out where to go from there. Consequently, we contacted XXXX to ask for a loan extension to move the next 2 payments to the end of our loan. XXXX has offered this service to victims of the California wildfires, but were callous when offering something to Harvey victims. They agreed to reduce our next 2 payments to ~$180/month (from $XXXX), but then our remaining payments would be $XXXX, which didn’t make sense when factoring out how much more we would be paying. XXXX  also explicitly stated that these two payments WOULD NOT BE REPORTED AS LATE ON OUR CREDIT. However, XXXX  began reporting late payments that same month and everything went down hill from there. The reporting of our payments are incorrect, one payment is missing entirely, we currently show as being 90 days past due two separate times now, etc etc. I was quite furious about this matter, so I acted accordingly and created multiple social media accounts & a website that gained traction rather quickly. I was subsequently contacted by an XXXX attorney who then offered me $XXXX to settle the social media & website matter and to turn over all websites and media accounts to XXXX; I agreed with a couple caveats - the main caveat being that they must follow up on our account and correct the multiple erroneous late payments on our account. However, I was never contacted again about our credit report and had to initiate contact with their attorney again before getting any response, but still nothing was done. Because of their errors and egregious inaction, this has destroyed our once perfect credit and has cost us thousands of dollars in additional interest paid in new credit accounts; We have also had 2 credit card accounts cancelled because of these ridiculous errors, which collectively had over $32,000 in available credit at the time of closing. I have recorded calls, emails, and a legally binding contract that all corroborate what I’m stating in this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I reached out to citi for some via XXXX for some addresses of citi and citi fax numbers. They told me to call in. I requested that they give it to me call in. I requested it be sent to me via XXXX for reasonable accommodation for my XXXX. They ignored that and told me to call in. 

I'm not asking for private info that should be sent securely. Just an phone /fax/address of a certain citi department 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 2019-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Repeated calls. Asked them not to call during day while working. Repeated calls on Sunday

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 2019-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Several months ago I closed my Visa Card with Bank of America because their continually over-charging of Late Charges and Interest, and carrying them as a balance on on account, even though I paid my account balance in full, and closed my account. 

Then on XX/XX/2019, as a sign of good faith and compromise, I agreed to pay the amount of {$220.00}. to satisfy my account balance in full, and this was approved by a Supervisor. 
My account would be satisfied in full, with no further balance, and no further bogus Late Charges and Interest penalties, etc.

THIS AGREEMENT WAS APPROVED BY A SUPERVISOR, so I paid {$220.00}.

I subsequently received a letter saying that they will NOT honor this agreement, after they accepted my payment.

Clearly a deception and a lie!!

Now they are charging my CLOSED account each month with Late Charges and Interest.

They are certainly aware that i can do NOTHING to stop this, and so they will continue to add on the Late Charges and Interest, and then sell this debt to a Collection Agency.

Also, they are giving me an Adverse Credit Rating.

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 2019-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: NY

Complaint narrative:
Homebridge mortgage was handling my homestyle loan. We applied XX/XX/2019. We were not approved for the homestyle renovation loan, however we were told we could apply for a FHA XXXX loan given the credit requirements. We gave in all necessary documents requested. We were supposed to close this week XX/XX/2019 or next week. We had all documents in within a timely matter however the loan originator and processor were completely incompetent. They lost documents sent via email which is very alarming. We had to resend documents and we had no communication as to a precise timeline or what was happening next. There were misleading expectations of a 45 day closing timeframe. Simple promises saying they would return calls or emails the same day but we wouldn't get a call until 3-4 days later. When they did return calls there would be apologies, sorry I was in another customers file, and more and more excuses. 
We had to call and follow up and even call upper management to complain. We said we no longer wanted to deal with the loan originator. However they continued to handle our loan. This upset the loan originator and they even said, " well you calling managers, CEO 's and executives ''. We just wanted to know if we were approved so we can either move forward or move on. The loan originator told us we were approved and gave us a commitment letter with items to satisfy prior to closing. The loan processor told us that they would not order appraisal ( {$490.00} ) or advise us to move forward with the HUD inspector ( {$1000.00} ) without the green light from underwriting. We sent several emails and called several times to find out when was our closing date Monday XX/XX/2019. 
Today, XX/XX/2019 ( 94 days since application ) we were advised via email after that they had good news and bad news. The underwriter can't move forward with the loan because of withdrawals from the home equity line of credit we have on the house. It had to be subordinated. Shouldn't the loan originator or processor told us this when we first submitted the documents for the loan? Now, we are out {$1400.00}. Due of incompetence. The miscommunication and level of unprofessionalism is ludicrous. In a nutshell 94 days of our lives were wasted when this could have been communicated to us at minimum 10 days after underwritting recieved the documents. We even have the upper management on voicemail saying he'd do what he had to do to get it to closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation