vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2018 I attempted to make changes to my payment methods with XXXX per the instructions of one of their representatives. The payment method I was trying to add was already associated with my wife 's XXXX account. The representative from XXXX advised me to have her delete the card associated with her account and then I could add it to mine. This process caused a " Red Flag '' on both my wife 's XXXX   account and mine. I have been unable to add any payment methods since that date and have spoken to 5 different representatives including supervisors at XXXX  who state that nothing can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Specialized loan servicing has been charging late fees to my account making it harder to make my monthly payment as I'm on a fixed income. My account has late fees in the amount of {$150.00}. I'd like them to waive those fees so that my account could be in good standing. I send my payments before the beginning of the month and they are " early '' as I sent the XX/XX/XXXX payment at the end of XX/XX/XXXX for example and the servicer receives it before the due date which is the first of every month. However, for years I have been charged late fees and they say I am making my payments late. I don't believe I have ever missed a payment as I would known since my income is very limited. They also said that there was a payment increase and my payments were short. That this happened in XX/XX/XXXX. None of this was explained during all of my calls to the servicer. I am just barely finding out with my Housing Counselor 's help. Please reach out to my servicer and help me resolve these issues. I want my account to be in good standing. My income is only {$1400.00} a month since my husband passed away in XX/XX/XXXX, and if the servicer would have explained this before, the late fees would not have accumulated. I appreciate your help 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 2018-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I purchased a brand new XXXX XXXX XXXX from XXXX XXXX XXXX in XX/XX/2015. My financing is through Nissan Motor Acceptance Corp. My total purchase was {$28000.00} with 18.81 % interest and I have already paid {$19000.00} with only {$4600.00} going toward my principal balance as of today. So my current pay off balance is {$24000.00}. I agree that I did sign the contract because Everything was moving fast, the dealer did not take time to go over the documents, it literally took 10 minutes for me to sign all the paperwork. I feel like I was taking advantage of. I was approved for this loan with a credit score in the low 500s, {$500.00} down making {$40000.00} a year who rented and had XXXX small children. I was a prime target to default on my loan and potentially lose my car and ruin my credit. The dealer nor the bank even asked for proof of income. 

FYI I SUBMITTED A COMPLAINT UNDER MY MARRIED NAME THAT WAS CLOSED FOR THAT REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION
State: LA

Complaint narrative:
The derogatory marks on my credit report is blemishing my credit report which prevents me from obtaining the credit that I deserve. I have made several attempts to resolve this issue by asking XXXX, XXXX  and XXXX  to remove late payments. The only responses were from auto generated letters stating that the accounts are valid. Under The laws of FCRA I have the right to dispute the validity of these accounts and proof from the credit bureaus must be given upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: TX

Complaint narrative:
I've been reporting about some accounts appear to be old and inactive longer than 7 years on my credit file. This goes against the Fair Credit Reporting Act. The dates are wrong & may be manipulated in order to keep on my file longer which is illegal. 
I am disputing the following credit entries by : XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX ( incorrect data and many years old ), XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX ( many duplicate accounts ), XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was paid in full and XXXX XXXX XXXX was an account agreed to be removed many years ago and now its back on my credit file under a different name.

Please remove any information including inquiries regarding the inaccuracy mentioned above. Please review all of my supporting documents including letters to XXXX XXXX XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX XXXX  with a new starting year. I do not owe this debt. XXXX XXXX XXXX has removed this info at one time. I previous settlement was made in a payment out of frustration. The creditor at the time agreed the balance was settled but the remaining balance was transferred to XXXX XXXX and now transferred again to XXXX XXXX XXXX or XXXX. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX  at one point many years ago. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: UT

Complaint narrative:
In Spring/XX/XX/2018 I switched from XXXX to XXXX. When I made the switch, I contacted XXXX about porting my number to XXXX. They told me that the switch would be fine and all I needed to worry about was sending my old device back ; they never mentioned anything about additional funds owed. I received their shipping box and sent my old device back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
Greetings, This is my forth loan with lendmark financial. They used my car title as collateral for the loan, but always try not to use the words " title loan '' as it is illegal in NC. So ... on my forth loan the transmission went out on my XXXX   XXXX XXXX. I simply can not afford to fix it, pay them {$160.00} a month, and pay for full coverage on my XXXX income. I have never been late not one time and do not plan on it as I understand the importance of good credit, but they are leaving me no choice. I have tried to remedy the situation by speaking with them several times ( at the XXXX, NC Branch ) even asked to do a voluntary repo, but they do not want to cooperate at all. I asked if they could re-fi to help lower the payment, have spoken with credit counselors, advisors, reading over the NC Laws and gotten legal opinions. I am completely stressed over the whole thing. I need a remedy to this mess I have gotten myself into, that will not leave leave flat broke or credit unworthy. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Back in XX/XX/2018, I tried to re-write my Loan with XXXX XXXX. After several calls, To check the status..approx. 75 days later I still had not received a approval or denial. After finally making a complaint with XXXX customer service. I received a denial on the re-write.This being almost 3 months later. XXXX did contact me in writing stressing being at fault, not how they usually handle customers. Well I was told not to pay any payments while in review. This putting me behind in payments 60 days or more. Well XXXX  sent it to a collection agency as a written off debt. XXXX  informed the collection agency to work out a payment arrangement. Well This has yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Payments were made to XXXX XXXX via on-line payment service on XX/XX/18 and XX/XX/2018. After that date, XXXX 's notified me that payment was overdue, charged a late fee and submitted 30 day delinquency to credit reporting agency. I have been in contact with XXXX XXXX XXXX XXXX several times in the last 60 days to resolve this issue with proof of payment received by XXXX 's but have not been able to resolve. I opened a formal dispute in early XXXX. XXXX 's instructed me to obtain verification from my bank to verify the payments were made. I obtained the requested documentation directly from the bank and submitted to XXXX XXXX. No correspondence was receive from XXXX 's regarding the dispute for over 2 weeks so once again I contacted XXXX 's for update. The customer service rep indicated that the documentation provided was insufficient to find the account where the funds were credited. She once again requested information from my bank. I submitted the verification directly from my bank, the documentation included the ACH history from my account to XXXX 's account at XXXX. The verification provided XXXX routing number, trace number, bank account number, amount of payment and date. This was faxed on XX/XX/XXXX ( can provide proof ). No response from XXXX 's until week of XX/XX/18 ( message left on recorder ) that they were closing the dispute due to lack of my response. On XX/XX/18, I called XXXX 's to check on status and was instructed to obtained further information directly from the bank that verified XXXX/XXXXreceived payments of {$60.00} on XX/XX/18 and XX/XX/18 from my account. I was also reminded that even though I could prove that funds were submitted to XXXX 's that unless they could find where the funds were credited, they would not give my account the credit and would not remove the late payment. I once again obtained information directly from bank that included EFD withdrawal from my account to XXXX 's including account number, amount and date. This documentation was faxed on XX/XX/18. 
Today ( XX/XX/18 ) I once again called XXXX 's to check on receipt of documentation and they indicated they just received today and would review. I have no confidence that this will be resolved without intervention since I have been told that they will not acknowledge payment receipt until they can find where is mistakenly applied. 
In addition, I have applied for a mortgage and this is the only late payment on my credit report. Since it was so recent, the late payment has dropped my credit score and I will have an increase in rate. I am struggling that this financial institution will not act responsibly to address the dispute and credit my account when proof of payment has been repeatedly provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.

Complaint narrative:
I have got mail today XX/XX/2018 that saying XXXX XXXX XXXX has purchased the above referenced account and is to whom the debt is owed. They telling on the letter I owed XXXX XX/XX/2018 Amount Due I'm confused I don't know why I owed that it not telling enough information why I owed that. Very Confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2018, I tried to cancel my Experian Credit Tracker account by following their instructions listed on their website : https : //experian.experiandirect.com/credit # /signin Here are the instructions : " How do I cancel my membership? 
If for any reason you are not satisfied, you can call us to discontinue your membership and stop the monthly billing. However, you will not be eligible for a prorated refund of any portion of your current month 's paid membership fee. To cancel, please contact Customer Care at XXXX. '' After a call to that number I was instructed to enter the following information : Social Security Number, Zip Code, house # of my street address, birth-date ( mmddyyyy ) and followed the menu option to select membership and cancellation but was told by the system did not have a membership which I do have. I never spoke with a live person and there was no option available to do so. I repeated calling and repeating the process to be sure I followed their process correctly. 

After a number of XXXX searches I see that I am not alone : XXXX XXXX XXXX and XXXX XXXX XXXX I am outraged by Experian 's shady practices . 

I also recently received the following unsolicited email and forced upgrade from : XXXX Hi XXXX, Because we are constantly looking for ways to provide our loyal members like you with new and improved features, we will be upgrading you to our best-in-class premium Experian membership. We're doing this so you can have access to more robust tools that empower you to take control of your financial life. We hope you enjoy your new benefits. 

You'll soon receive a whole host of great new features we're sure you'll make the most of : Lock your Experian credit file on demand ; get daily access to additional industry-specific FICO Score versions that are commonly used for mortgages, auto loans and credit cards ; our enhanced FICO Score Simulator, which can help you plot a path to a better credit score ; personalized credit card offers based on your profile ; a new, easy-to-use interface ; revamped on-the-go mobile app access, and more - all on top of the many other benefits you're already enjoying. 

With this next upgrade, your membership price will change to {$19.00} plus applicable sales tax. You should see this reflected during your next billing period. 

You don't need to take any action right now. We'll let you know when you've been upgraded and show you how to make the most out of your new and improved membership when the time comes. 

Sincerely, Your Experian.com Team

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This is in reference to the " Expedited Funds Availability Act ''. On Friday, XX/XX/2018, I deposited a check at a Bank of America Branch. The check was in the amount of {$83000.00} and was drawn on my Retirement Bank `` XXXX XXXX XXXX XXXX XXXX ''. " XXXX XXXX XXXX  XXXX XXXX '' cleared on their end the check on XX/XX/2018. I called Bank of America this Morning and asked why the check is not showing yet and was told I won't get anything until 6 days from now XX/XX/XXXX because they have to process on their end. I then asked can I have {$5000.00} in reference to the " Expedited Funds Availability Act '' and that it is cleared from XXXX XXXX. I was told that there is no such Act. I then called back later to speak to another Customer Service Representative and she said Bank of America doesn't participate in that and I said : Why? No one is above the Law.

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 2018-10-31 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: MO

Complaint narrative:
I disputed the Bankruptcy reported on all three credit reports. Both XXXX and XXXX  ( see attached ) removed it. Equifax removed it and then placed it back on the file one week later saying that it was verified through the 3rd party company XXXX ( see attached ). I spoke with a representative at XXXX who confirmed that they have not verified this info with Equifax as my file is suppressed and frozen with XXXX. I asked Equifax several times to provide the method of verification and the response is always XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I closed my CD with XXXX XXXX on XX/XX/18 and was using the fund for purchase of a home. During my new loan underwriting process, I was asked to provide source of fund which required me to get a transaction history of my closed CD. Since the day I closed the CD, I was not able to view the CD on my online account and when I called XXXX XXXX XXXX, they said I have to wait for the monthly statement on XX/XX/18 in order to see the transaction. I asked if they can restore my CD account online and they said by policy they can not. They also did not give me a verbal warning when I closed the CD that I would lose my online access to the account. 

I am risking to lose my initial deposit of this new home purchase if the new loan is not processed on time, and the fact that I am not able to access my own personal information in any shape or form between account close ( XX/XX/18 ) and the new statement date ( XX/XX/2018 ) is not acceptable to me. I should be able to obtain the transaction history any time I would like even the day after my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My path to filing bankruptcy began in XX/XX/XXXX when the economy crashed and I lost a high paying XXXX XXXX in XXXX XXXX XXXX. At that time, I was keeping two households as I owned a home that was mortgaged, and also kept and paid for a second property ( rental ) in the area where I worked. As a result of job loss, economic downturn, and difficulty in finding a suitable replacement to provide the income needed to support both, I fell behind on the mortgage payments. My credit was destroyed by lack of income needed to maintain the level of income I had become accustomed to utilizing. After 4 years of struggle and nearing financial ruin and homelessness, I moved into my fathers home to provide care for him in the final years of his life. As all of this was happening, and I was still unable to earn substantial income and my efforts to restructure my mortgage were basically ignored and dismissed by my mortgage company, they began foreclosure proceedings in mid year of XX/XX/XXXX. It was at this time, in desperation I filed for bankruptcy with no more intention of following through with the process than just attempting to delay the inevitable final blow to my situation and to my psyche. I was finally beaten into submission, or so it seemed. As the process seemed so daunting and basically frivolous, I just gave up without ever following through and withdrew before the BK could complete the process and went into myself and lived a quiet seclusion in shame for the next several years. In retrospect, it was by far a stupid and senseless effort. As time has passed, I have begun to crawl out from under the pressure and shame the whole process has caused for me. If this were no longer a part of my story, it would be an incredible opportunity for which I would be extremely grateful. The bankruptcy filing was with Chase Mortgage and the mortgage itself began with Washington Mutual, which is no longer in existence as it was bought out by Chase Bank. At the time of filing, the mortgage was the one and only reason for filing, and it was a delay tactic which really didn't have a positive outcome. The credit annihilation that has been a result of all the above, is not something I am proud of or wish to ever endure again. This shouldn't be showing up on my Public record because i never truly followed through with a Bk and don't have one in existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank closed my savings account without my consent and without any notice plus I did not get my funds from my account. I have emailed, called and sent XXXX to their Customer Service XXXX profile @ XXXX and they will not reopen my account and restore my funds and history for that account. I have opened another complaint about this issue XXXX-XXXX and Capital One Representative XXXX XXXX would not restore my savings account or funds. The reason I am opening this complaint is because my issue is never escalated to any other employee but XXXX XXXX. She must have noted in my account to forward all my complaints to her because Capital One has thousands of employees and every complaint or call I make regarding this account, it is ALWAYS forwarded to her. I am requesting escalation of my complaint to be reviewed by XXXX XXXX 's Management. My savings account should have never been closed without any notice. I was receiving my account mailings from Capital One and this was handled very underhanded and corruptly plus XXXX XXXX is making sure that no one in Capital One 's Leadership is aware of what she has done to my account. Please assist me getting my savings account restored. 
Thank-you

Company response to consumer: Closed with explanation