vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Empowerment Ventures, LLC
State: NV

Complaint narrative:
I have a RushCard debit card and my online account password was changed without my knowledge, a request to setup a card to card transfer was requested, once set up  XXXX  card to card transfer transactions were requested,  XXXX  for {$390.00} and another for {$600.00} by  XXXX  different people on  XXXX   XXXX   2017 . When I received the alerts via email of what was going on I immediately contact RushCard. I was told that they would further investigate. I submitted a dispute form and a letter to RushCard.     RushCard gave me a credit for the {$390.00} but refuse to give me credit for the {$600.00}. Their dispute department states that they do n't show an error with the transaction for the {$600.00}. I have written several letters and submitted the emails I received from RushCard.     The transactions happened at the same way, by  XXXX  different people at the same time and on the same day so I do n't understand why RushCard is not finding an error with the {$600.00} transaction but find an error with the transaction for {$390.00} When I speak with a representative from RushCard they try to make me feel like I am the criminal and requested the card to card transfer and I know the person who got my {$600.00}. Like I said to them if that was the case than why would I be fighting to get my money back. It makes no sense. I am a single mother who lives paycheck to paycheck and need every dime of my hard earned money. Also, I do n't know of any other RushCard holders to transfer money to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In correspondence dated  XXXX   XXXX ,  2017  I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: CA

Complaint narrative:
In correspondence dated  XXXX   XXXX ,    2017  I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository 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
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: MD

Complaint narrative:
The  Discover Card is sued new cards for me on  XXXX / XXXX / 2017 . I also received an email on  XXXX / XXXX / 2017  that security breach occurred. I called today customer service to find out if my card was affected. The customer rep stated that the company received a message fr om one of its merchants that a security breach occurred. I asked which merchant was affected as I do not plan to use it. The rep declined to provide the name stating its privacy agreement. How do I protect myself against this? I think the Discover company should be transparent in letting know its custo mers which merchant has security weakness so the customers can make the decision whether to use it understanding the dangers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In correspondence dated    XXXX   XXXX   2017   I  mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository 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
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I am a customer of  XXXX   XXXX  and have a brokerage account with them. In  XXXX  they sent out an offer for their  XXXX   XXXX  Client Rewards Card. I applied, they did a hard pull on my credit report from  XXXX , and sent me a letter advising that they had denied me credit because " Unable to validate information provided on your application. '' I obtained a copy of my   XXXX   report and verified that all the information was correct, wrote to  XXXX   XXXX  to advise them, and received ANOTHER letter with the same message. This time I called them and was told that it is  XXXX   XXXX  's policy that they wo n't process an application for anyone who does not have an SSN. Given that they have pulled my credit and seen my  XXXX  score of  XXXX , and that I have a $  XXXX  account with their brokerage arm, and that I have a perfect payment record on my other credit card, clearly  XXXX   XXXX  has denied me credit because I am a non-citizen. Please make them stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: MS

Complaint narrative:
Checked my credit report to find that I have a negative claim  from Swiss Colony ( A ccount #  XXXX  ). It states that the date opened was  XXXX   XXXX ,  XXXX , was then closed, charged off and the status updated  XXXX   XXXX ,  XXXX  and the balance is {$640.00}. Last updated  XXXX   XXXX ,  XXXX . I have never ordered fro m Swiss Colony be fore so I called the company at  XXXX   (   XXXX   )   XXXX . The representative told me that I ordered throughout the last few years and that my  s ocial security number was used. The representative then said she would flag it as fraudulent and send me paperwork to file. She never offered to cancel the charges just to say that she ca n't promise the collection agency wo n't still be trying to contact me.     I called bac  k 30 minutes later to see if they could give me the address these items were being sent to but they would not release any information to me. I 'm not sure what the next steps should be as the company will not give me any information and this is negatively effecting my credit score.
Thank you in advance for your help.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my second attempt to remove a tax lien from the Ohio attorney general that appears on my credit report. EQUIFAX is refusing to remove the tax lien from my credit report. Expungement/cancellation documentation regarding the removal of the tax lien was sent to EQUIFAX by the Ohio attorney general on  XXXX ,  XXXX ,  2017 . I reached out to EQUIFAX on  XXXX   XXXX ,  2017  to inquire as to why the tax lien has not been removed. An agent over the phone indicated that they have no record of the withdrawal letter that was sent by the state of Ohio. ( Lies ) Furthermore, I have had many problems with EQUIFAX regarding the removal of inaccurate information on my credit report. This lien needs to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo is not willing to re modify my loan. They are saying no because 4 years ago they modified my loan to a 2 percent inreste rate. A nd I would like to know why.

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 2017-06-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Paid off my  XXXX    XXXX   and   XXXX   XXXX   XXXX   XXXX   credit cards over  three yrs, and it still showing up in my credit report.also someone is trying to get credit with my name

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 2017-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Amount {$68000.00} / Account  XXXX  / Ba nk No.   XXXX  /  BofA  Check #  XXXX ,  XXXX  : Bank of America,  N.A.   XXXX   XXXX , Texas, Payee : The  XXXX   XXXX   XXXX   XXXX , Notation : Dealer Reserve  XXXX   XXXX . When we first learned that our reserve funds were no longer on deposit in the  XXXX  bank, it would not tell us where the money was -- and it took us years to find it. Our corporation is a North Carolina corporation, yet we discovered  that BofA wrongly escheated our funds to the Texas Comptroller. Compounding this error is that BofA failed to include both our last known address and our federal tax ID number, information that the Texas Property Code requires that the Texas Comptroller receive with escheated funds. The Texas Comptroller requested the omitted information, and it w as refused. The  XXXX  bank would like for our funds to be returned to it, but the Texas  Comptroller refuses to do so. Early this month Texas Asst. Attorn ey General  XXXX   XXXX  asked BofA to provide her with the omitted information, and it again refused. The fact that adults would engage in thi  s Catch 22 situation is silly because BofA might be too big to fail, but it is not above the law of either the United States or the State of Texas. The obligation to return our reserve funds lies squarely and singularly with BofA, and we have every right to insist that it pay us our funds. Then it can deal with the Texas Comptroller in an effort to recover the funds that it sent there. We no longer want to be in the middle of this circus. We submit that BofA and the Texas Comptroller have enjoyed the interest-free use of our funds for much too long already, and now we want to receive payment of our funds.
If you wish, you may consider this complaint to also be a claim against DIF for deposits unquestionably owed by BofA to T  he  XXXX   XXXX   XXXX   XXXX , a North Carolina corporation, and which Bank of Americ a, N.A., has declined to pay on demand. We have no obligation to chase our funds cross-country as a result of BofA having committed multiple errors, nor ought we to have to pay a host of legal expenses to recover our funds after such errors and subsequent default by BofA. BofA has the first obligation to pay us, and FDIC shares that responsibility for our insured funds.      Thanking you in advance for your interest and assistance in this matter.

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 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX, amended & restated my tax returns from XXXX & made themselves my conservator. My home was sold by my former employer in XXXX, using my XXXX XXXX ss #. The XXXX Family is also involved with organized crime. The Family made copies of my mortgage at XXXX XXXX XXXX XXXX TN using my signature. They refinanced my home with XXXX XXXX XXXX, this was done in XXXX with US Bank. The XXXX Family have property in Texas, XXXX XXXX. XXXX XXXX XXXX XXXX forged my signature to steal {$100000.00} from XXXX XXXX & sent to US Bank mtg .

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 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
RUSH PLEASE I have foreclosure sale date scheduled for  XXXX   XXXX ,   XXXX   and I can not stop it. I have Loan Modification with my servicer NATIONSTAR MORTGAGE,  LLC a nd seems like they are violating my CALIFORNIA HOMEOWNERS BILL OF RIGHTS.     Hi, my name is  XXXX   XXXX  and I 'm having a very hard time dealing and working with my servicer NATIONSTAR MORTGA GE, LLC. I h ave mailed and faxed over all documents for a loan modification but they are still proceeding with the foreclosure sale scheduled for  XXXX / XXXX / 2017 . If they proceed with the sale they will be in violation of the CALIFORNIA HOMEOWNERS BILL OF RIGHTS. I really do n't know what else to do. They say they will not give me a loan modification and that they can not do anything. How is it that they can not do anything. I 've been trying with them for a long time. I tried and applied for the Keep Y our Home Cal ifornia program when it was still active and they still said I was denied. I need help. They keep denying and prolonging the process until I have exhausted all my resources. I will not stop fighting till I get a loan modification if be it I will have to file a lawsuit against them in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of J.A. Cambece
State: FL

Complaint narrative:
XXXX from The XXXX XXXX XXXX contacted me via a recorded phone call on XXXX about a debt I uncured with XXXX. The account number was : XXXX. We agreed to settle this account by paying {$350.00} through 3 consecutive automatic withdrawals. Please see the following : XXXX XXXX Withdrawal ACH XXXX XXXX XXXX XXXX TYPE : payment ID : XXXX DATA : XXXX XXXX XXXX/XXXX/XXXX CO : XXXX XXXX XXXX XXXX XXXX. On XXXX, I was contacted by a different collection agent from XXXX who asked me to pay about {$560.00}. I explained to this agent that I had an agreement with a previous agent from XXXX XXXX XXXX and that I thought the 3 payments were already withdrawn. I checked my account and found that only one payment was withdrawn ( See the above ). I checked my credit report and I was shocked to learn that XXXX has reported that a balance of {$580.00} was written off. I wrote a letter XXXX in which I explained that I, with good faith, have agreed to pay and that it was not my wrongdoing if the collection agent from XXXX XXXX XXXX did not do his job and that they should not report this account as a WRITTEN OFF. On XXXX XXXX, XXXX, I was contacted by a Law Firm called J.A.CAMBECE asking me to pay {$460.00}. I sent to this law firm all the information I have and I explained to them that XXXX XXXX XXXX is aware of my payment efforts and that it refuses to share the audio recorded agreement I had with XXXX back in XXXX XXXX. In addition, the numbers do not add up : {$580.00} was written off. I paid {$110.00} as shown above in my checking account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
My mortgage was tranferred to a different servicer around  XXXX   2017 . A mysterious {$100.00} fee appeared on my statement. I contacted the servicer and they claimed it came from the prior servicer and they would fix it. I contacted the servicer again, after the same mysterious fee appeared on the next statement. It 's  XXXX . The fee was on my  XXXX  statement. So, I contacted the new servicer again. They told the same tell about the fee coming from the prior servicer only this time they claimed that I had never contacted them before. This servicer is trying to collect {$100.00} dollar appraisal fee and I 've never been late paying my mortgage. Its a swindel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Avant Credit Corporation
State: MD

Complaint narrative:
I started a personal loan with Avant on  XXXX / XXXX / XXXX  with Monthly payments of {$500.00}. On  XXXX / XXXX / XXXX  I contact avant and let them know I have had a loss in income and large amounts of medical bills and I was given a payment plan to reduce my monthly payment to {$370.00}. I was informed that there was a grace period of 10 days with meant my payments are due on the  XXXX  of each month. On  XXXX / XXXX / XXXX  I made an online ACH payment but since it was the weekend I was told they are considering my payment late and removed me from the agreed payment plan. I was never instructed that weekends do not count as payment dates and now I am told that I do not qualify for any payment agreements and its my fault that I defaulted on the payment plan. They now are showing that my payment is past due that will potentially jeopardize my credit rating. They are also saying I have to come up with {$500.00} in 7 days and then {$500.00} for the remainder of the loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
" Payment Pending We are still waiting for funds from a recent payment. Your account will be restored as soon as we receive funds. " OnXX/XX/XXXXI got a message that my XXXX ( {$99.00} ) was reversed by my bank due to my account not having enough. So okay, that was my fault. But they have options to repaid it. I clicked on XXXX credit card to pay for it. ( I have used it 3 times with no problem on purchase of ETH ) And it 's been exactly 10 days since and my account is still saying. " Payment Pending We are still waiting for funds from a recent payment. Your account will be restored as soon as we receive funds. '' But credit card are suppose to be instant payment. My three eth purchases were brought immediately. So I do n't understand..It 's been 10 days. I emailed, XXXX, forum, NO response. Update : I received a response on XX/XX/XXXX " XXXX XX/XX/XXXX XXXX Hi there, Im very sorry for the recent transfer difficulty. It looks like our system has been attempting to automatically reconcile an unpaid balance on your account. This happens when your account has withdrawn digital currency that was never successfully paid for. At the moment, a bank transfer issue is preventing us from confirming if this overdraft is resolved. Our engineering team is working to resolve this issue as quickly as possible, and I will get back to you with an update as soon as we have further information on your accounts status. Thank you for your patience as we look into this, and if you have any questions in the meantime please dont hesitate to reply to this email and well be glad to help. '' I have thousands in there and this is insane as I can not access my account! I can not buy or sell my coins. And I can not withdrawn my funds, but I need to sell first. Please help me, either remove the XXXX LTC, or let me paid it via my other coins OR please check my account and see why my instant payment credit card hasn ; t been through?? This is crazy, outrageous, and coinbase is n't replying to me and others in the same boat. Reply to me and fix my account and I will share to XXXX that my account was fix and to not worry. XXXXuse almost everyone is extremely worried right now!!
Desired Settlement : Finish the Job Please help me, either remove the XXXX LTC, or let me paid it via my other coins OR please check my account and see why my instant payment credit card has n't been through?? AND restore my account, allowing me to buy or sell!!!!!!!! Comment : Seriously, it 's crazy..the system is glitched, they do n't know how to fix it. And my coins are still locked that are worth thousands!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX, is trying to collect a debt as per the letter dated XX/XX/XXXX, sold by Florida Department of Revenue, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Business Partner # XXXX, amount {$1300.00} after the Debt was paid in full. This Debt was paid in full and the satisfaction was recorded on XX/XX/XXXX in XXXX county public records ( Copy Attached )

Company response to consumer: Closed with explanation