vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: LA

Complaint narrative:
I have requested every month since XXXX for this company to send me detailed proof of this debt. I have asked them to send me proof they are licensed to collect in my state, a detailed breakdown of the charges I owe, and a signed contract showing I agreed to pay this debt and that it is valid. The company has chosen to only send a blurred copy of statement that looks doctored with no absolute proof that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA should be looked into for the closure of simple and how they migrated accounts. They locked thousands of people out of their accounts. Changed routing and checking numbers and are mismanaged the situation. Hours long hold times. Their IVR hangs up on you because they are to busy??? 

Then to top it off, charging fees to remove money from accounts when people can login. Super shady and XXXX over so many consumers. 

Simple was cool. 

BBVA ruined the experience immediately and dropped the ball hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: UT

Complaint narrative:
I traded in my Nissan Truck lease XX/XX/XXXX to XXXX XXXX XXXX XXXX, UT XXXX XXXX paid the lease off XX/XX/XXXX Nissan claims to have received check XX/XX/XXXX I contacted Nissan XX/XX/XXXX about the pay off they said they have the check but are holding it. I reached out to XXXX XXXX who then called Nissan 3x and sent them over what was needed repeatedly. 
XX/XX/XXXX XXXX XXXX reaches out to them again they still want the same paperwork that was already sent to them XX/XX/XXXX account is still open Nissan will not respond to me or close my account even though they have the money in their possession to pay the lease off and close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted Transunion fraud department to dispute inquiries that were not mine. I explained to the representative that the documentation that they are requesting in order to remove the inquiries is impossible to obtain due to the COVID 19 mandate in my state I can not go to my local law enforcement office to provide a police report due to NO in person contact at this time. The representative advised me that she can only remove 1 inquiry from the 7 that I wanted to dispute. Here are the inquiries I wanted to have disputed. 
XXXX  Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/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 2021-05-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and my grievance is with the following : XXXX  credit reporting agency, XXXX XXXX is the representative from XXXX moreover they've move my credit file to some department they reference as their Special Services Department, XXXX XXXX  Representative XXXX XXXX has been extremely rude, furthermore he has been exhausting and very difficult to deal with ; I've complained about the unauthorized hard credit inquiries listed on my credit report, XXXX XXXX has refuse to take my dispute for the hard inquires, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX The next issue is Prosper Marketplace LLC, They've have reported a settled account using totally different verbiage than originally agreed to ; they agreed prior to the me paying, that they'd add the following statement to my credit report '' Prosper shall consider the Borrower 's account to be settled, and shall notify the credit reporting agencies that it reports to that Borrower 's has been settled in full. They've reported something completely different '' Legally paid in full for less than the balance and caused my credit score to drop more than XXXX points, this has adversely effected my credit standing, for the next 7 years. They should immediately correct the language, more Prosper Loans also stated that this would not negatively impact my credit report, they've made false promises to get me to pay in advance. the original loan was for {$15000.00} and they collected initially {$500.00} for themselves, I've paid out over {$20000.00} on this loan, do to Covid 19 they offered a settlement directly, moreover more importantly, they said it would not impact my credit reporting, as long as I paid the agreed amount with in a certain time period.

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 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I've been FIGHTING a debt for XXXX XXXX since XXXX. They falsely accused me of leaving my apt A MESS and not returning the keys. I did neither. I don't know how to FIGHT this debt. It's exhausting. So I decided to try with the debt collector ( XXXX ) who bought this bad debt. They won't budge/ won't settle/ are abusive to me on the phone, etc. Again ... it's exhausting. So I paid {$500.00} out of the XXXX they say I owe. I never got a receipt and I never got confirmation that my debt was reduced to approx {$700.00} after that payment. HENCE ... .I 'm being SCAMMED! I'm so sick and tired of this debt being on my credit report! 

THEN ... .along comes ANOTHER Credit Company trying to collect on the same debt. I'm like ... '' WTH! Who are these people ''? I called them and they claim they've had this debt since day one. I told them I've NEVER HEARD OF THEM BEFORE IN MY LIFE and I'm working with XXXX. They claim I'm paying the wrong people and they own the loan. NOW I'm XXXX! ( sorry ) I'm NOT giving another dime to either collection company! SEE BELOW! I want this debt erased from my credit report immediately. THIS IS WRONG! I'm trying to buy a house. ENOUGH IS ENOUGH Date Reported : XX/XX/XXXX Collection Agency NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX  XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # 30 Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES AFTER RESOLUTION Contact NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX  XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Called Citibank XX/XX/2021 to close account. Was informed that the account would be closed in 1 to 2 business days and a check mailed within 5-7 business days. Despite multiple calls to Citibank over the ensuing 2 weeks, the account still has not been closed. During subsequent calls different people provided time frames as long as 10-15 business days to get the account closed. As of today, XX/XX/2021 the account is still open.

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 2021-05-10 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: SC

Complaint narrative:
I attached a list of transactions for review. I paid off my XXXX XXXX credit card balance in XXXX of XXXX. Two days after I paid it off I was charged a late fee. I spent weeks making calls trying to get this resolved because everyone was furloughed. As you can see the late fee was refunded on XX/XX/XXXX. You can also see that another late fee was charged on XX/XX/XXXX. Again weeks of phone calls, during the time another late fee was charged on XX/XX/XXXX I finally got a young man on the phone who told me he did not have the authority to remove late charges since one had been removed but he could refund a finance charge of XXXX to help offset the 2 late fees. You can clearly see the {$41.00} refunded on the XXXX statement. I then paid the remaining balance, which was money that I did not owe just to make the situation end. Moving on to XXXX when XXXX reported a 30 day late to the credit bureaus for XXXX. I did not even have a payment due in XXXX. Again another week and weeks worth phone calls & written letters met with zero results through the months of XXXX XXXX. I have already disputed with the credit bureaus and XXXX has verified the info as correct. Finally around XXXX I just gave up as I operate a multi unit restaurant group and just got too busy to keep turning in circles. Last week I presented this information to a XXXX XXXX manager and was referred to someone else who has apparently reached out to someone else but told me it was unlikely XXXX will remove the late ding on my credit. I also attached what XXXX has reported to XXXX  as my payments and it also makes no sense with the statements I have provided. There is an obvious cycle of credits in XXXX & XXXX, then a payoff so how could I have been 30 days late in XXXX? It makes no sense. 

I have been building a house since XXXX and am slated to close on XX/XX/XXXX. This mistake on my credit report has cost me XXXX points and is now preventing me from having my mortgage approved, worst case scenario, best case is it will cost me thousands in interest and PMI fees. My Mortgage broker has requested a letter on letterhead stating that XXXX acknowledges the mistake and will report it to the three credit bureaus. 

I have worked very hard to build my dream home and do not feel that it is just that a clerical error that could be easily fixed, if someone would just help me, should stand in the way of this. I am hoping we can get this resolved, I am on a very tight time crunch at this point and have exhausted all avenues.

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 2021-05-10 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: SC

Complaint narrative:
I attached a list of transactions for review. I paid off my XXXX XXXX credit card balance in XXXX of XXXX. Two days after I paid it off I was charged a late fee. I spent weeks making calls trying to get this resolved because everyone was furloughed. As you can see the late fee was refunded on XX/XX/XXXX. You can also see that another late fee was charged on XX/XX/XXXX. Again weeks of phone calls, during the time another late fee was charged on XX/XX/XXXX I finally got a young man on the phone who told me he did not have the authority to remove late charges since one had been removed but he could refund a finance charge of XXXX to help offset the 2 late fees. You can clearly see the {$41.00} refunded on the XXXX statement. I then paid the remaining balance, which was money that I did not owe just to make the situation end. Moving on to XXXX  when XXXX reported a 30 day late to the credit bureaus for XXXX. I did not even have a payment due in XXXX. Again another week and weeks worth phone calls & written letters met with zero results through the months of XXXX XXXX. I have already disputed with the credit bureaus and XXXX has verified the info as correct. Finally around XXXX I just gave up as I operate a multi unit restaurant group and just got too busy to keep turning in circles. Last week I presented this information to a XXXX XXXX manager and was referred to someone else who has apparently reached out to someone else but told me it was unlikely XXXX will remove the late ding on my credit. I also attached what XXXX has reported to Experian as my payments and it also makes no sense with the statements I have provided. There is an obvious cycle of credits in XXXX & XXXX, then a payoff so how could I have been 30 days late in XXXX? It makes no sense. 

I have been building a house since XXXX and am slated to close on XX/XX/XXXX. This mistake on my credit report has cost me 60+ points and is now preventing me from having my mortgage approved, worst case scenario, best case is it will cost me thousands in interest and PMI fees. My Mortgage broker has requested a letter on letterhead stating that XXXX acknowledges the mistake and will report it to the three credit bureaus. 

I have worked very hard to build my dream home and do not feel that it is just that a clerical error that could be easily fixed, if someone would just help me, should stand in the way of this. I am hoping we can get this resolved, I am on a very tight time crunch at this point and have exhausted all avenues.

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 2021-05-10 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: NH

Complaint narrative:
I already reached out to the EXPERIAN and to XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late 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 '' and physical firsthand documentation of the payment history but as of the moment no information received. 

I contacted my courthouse and I was told that they do not report ANY legal items to ANY credit bureau directly. Which means someone else gave this information and I want to know whom it was. 

I had also requested the actual proof but I did not receive what I asked and these violations persist on my credit report.

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 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
I purchased a home at XXXX XXXX XXXX XXXX XXXX Pa XXXX. 
I financed with Loan Depot, a company that only required me to pay 3 months of prepaid taxes and 6 months of prepaid insurance at closing. 
They used a bait and switch strategy where they undercut the local lenders with lower closing costs. Local lenders were charging 9 months prepaid taxes and an year ahead of homeowner insurance. 
Based on the purchase agreement I agreed to pay XXXX a month which is all I could afford. I bought the home in XXXX and the taxes were due in XXXX. 
Because I put 5 % down- I am forced to have an escrow account. In XX/XX/XXXX Loan Depot sent me a letter claiming that they were short in escrow- the taxes did not go up but they did not account for less XXXX in local taxes. I was fine to add XXXX to my monthly payment ot catch up for the shortage for this year and add the amount going forward. However- they increased my payment to XXXX for 9 month- until XX/XX/XXXX. In reality they do not want to forward my taxes and they are making me pay over XXXX month for 9 months which is against the purchase agreement. I had to withdraw money from my retirement to make these increased payments. This is against the law and they are keeping me XXXX to my credit and the home i purchased. If I fail to make the full payment they could foreclose the home. I contacted them sever times over the phone and in writing and a consumer agency. I have my numbers right - I am a XXXX XXXX  and have a XXXX in XXXX XXXX. I have my numbers right. I believe this is something that they do to many people and a class action lawsuit is needed. I am planning to sue and recover my losses since they put me in a tight spot and they wont allow me to get out of the escrow and pay my own taxes. 
Please investigate this corrupt company. One of their escrow people hung up on me when I requested the payment to be adjusted back. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
In XXXX of 2021 I opened an account with Coinbase, aka XXXX under an abbreviated portion of my legal middle name & full legal name. On XXXX XXXX2021, my computer was hacked & I subsequently called Coinbase & disabled my account. Now ; I can't access my account, because Coinbase will not verify my ID on my drivers license, which shows my legal name & webcam photo of myself, because the account name is an abbreviation of my legal name. I have filed numerous complaints with, only to have them dismissed. NONE of the support options offered included my situation & Coinbase does not offer live support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
The Simple online bank has merged with BBVA USA, and since the merger I can not access my funds online. My money is in a protected fund that can not be access outside of an application or online banking, thus leaving me completely without any money while they refuse to fix the issues for millions of customers in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
There was an electric utility service ( XXXX ) opened in my name, ( maiden name used ) at an address I never resided. I found this delinquent account on my credit report. I disputed it XXXX, XXXX. The collection agency AARGON Agency sent out the disputes XX/XX/XXXX. No response with account verification proof was provided at all from the original creditor. I attached proof the bill is not mine and that I was and still am living at a different address. The account was eventually removed from XXXX and XXXX, but XXXX states they were never notified about the dispute and therefore it remains on my credit report through XXXX 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 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA took over my bank ( Simple ) and the transition was supposed to be " seamless '' - was set to go into effect this past Saturday, however their entire system crashed leaving me without access to my money for three days and counting. Their call center wasn't accepting calls over the weekend and it's now Monday and I've been on hold for hours trying to get in. The system keeps hanging up on everyone. There HAS to be a penalty for keeping people locked out of their account for 72 hours.

Company response to consumer: Closed with explanation