vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-26 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: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Sunday XXXX XXXX XXXX we noticed that {$5000.00} had been charged to our checking account at, BBVA Compass Bank, 2 days earlier. The Bank has no fraud department to report to weekends. Monday XXXX XXXX we went to the banks branch office and reported the fraud. They told us they did not handle such things! Instead they contacted the head office fraud department and we had to wait for 1 hour before anyone answered. Finally the fraudulent activity on our checking account was reported, the account itself closed and we opened a new account. At that time we asked when the we would have our money back in order to pay our upcoming bills. We were told when the investigation was done and that could take up to 10 business days. After 10 business days we contacted the fraud department again and we were told it can take up to 90 days or more. We know under Regulation E, the bank has to reimburse us in ten days but obviously they refuse with no further explanation. We have been clients with the bank for 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is an unverified account reporting on my credit reports with TransUnion, XXXX, and XXXX. The Creditor is XXXX XXXX XXXX. I have been the victim of identity theft in the past and I reviewed a copy of my Credit Report and I noticed that this in accurate account is reporting on my Credit Reports. I have disputed the item with all 3 Credit Bureaus and I requested verification that this account belongs to me with my signature on any forms or documentation that this company may have but I received nothing. I have called the XXXX XXXX directly as well as TransUnion, XXXX and XXXX to try to have this matter resolved. I have been trying to dispute this unverified account since XXXX 2017. They have failed to validate the debt. I would like for this unverified account from XXXX XXXX XXXX to be removed from my credit reports Immediately from all 3 Credit Bureaus.

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 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
We filed a BK back in XXXX or XXXX and did NOT have our 1st or our 2nd mortgages included in the BK. The lawyer never sent us anything to let us know that we were going to re-affirm our mortgages, stay in the house and keep our payments on time, which we have. NEITHER Ocwen Mtg Ln # XXXX or XXXX XXXX ending in XXXX have been reporting our payments as being on time since then. Our credit scores have suffered because of this and prevented us from getting the lower interest rates on car loans, credit cards, etc. We did some research on the Lawyer and found out that he got his licensed suspended at the time because of numerous complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
On XXXX/XXXX/XXXX I mailed a letter to LoanCare ( attached ) requesting a statement from LoanCare starting with the first month that they began servicing this loan all the way to the current monththat shows the monthly detail of the application of my monthly payment, ie, how much goes to principal, interest, escrow ; and the balance of each. 

I received no reply. 

On XXXX/XXXX/XXXX I called and spoke to XXXX who verified that they had received the letter and that they had not responded. After several excuses as to why that was, XXXX agreed to see to it that the information I was requesting would be mailed to me immediately. I confirmed that it would be mailed to me at my XXXX XXXX XXXX address, the same as they send me the monthly bill. 

Today is XXXX/XXXX/XXXX ... ... ... ..I have received nothing. No statement, no letter, no phone call. Nothing. Apparently they do not respond to information requests from their clients.

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 2017-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
charge on my credit that I did not make

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27 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: VA

Complaint narrative:
I filed for bankruptcy in XXXX and then voluntarily withdrew it. The bankruptcy court did not DISCHARGE IT OR DISMISS IT. I VOLUNTARILY WITHDREW IT.I disputed with all three reporting bureaus and XXXX and XXXX took it off my credit report. Equifax refuses to and says that the information they have is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
And yet again, Portfolio Recovery sends me ANOTHER LETTER SAYING IT IS IN REGARDS TO A DISPUTE AND I NEVER FILED A DISPUTE. These people are doing this because they really think I 'm going to pay some amount to them I DO NOT OWE!!!!!!!!!!!!!!!!!! 

Funny how their proof is some old credit card statement they dug up but they can not and will not send proof of my supposed disputes ... why is that? Because THEY ARE LYING!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

STOP.CONTACTING.ME.FOR.THE.LAST.TIME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27 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: GA

Complaint narrative:
Account was opened in XXXX and is still being reported as a negative closed account on my credit report. In addition, a payment history check will show the first delinquency on this account is over XXXX XXXX XXXX. This account should be deleted in totality. I asked for it to be removed entirely. according to the credit reporting laws accounts not paid as agreed or delinquent can not be reported after 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: GA

Complaint narrative:
Account was opened in 2007 and is still being reported as a negative closed account on my credit report. In addition, a payment history check will show the first delinquency on this account is over 7 years old. This account should be deleted in totality. I asked for it to be removed entirely. according to the credit reporting laws accounts not paid as agreed or delinquent can not be reported after 7 years.

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 2017-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
pay loan requesting payment for loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I received a call from loan depot offering lower rates based on recent changes made by the fed. I explained that my only desire was to find a lower interest rate. I provided all of my information including my homes value the outstanding mortgage amount, my credit score, my income etc. When the rep said he was going to pull a hard inquiry on my  credit report I stopped him and said based on an excellent credit rating what interest rate would you be able to offer. He said between XXXX and 3.25 %. I said based on that go ahead. He placed me on hold then came back with an offer at 3.5 % for a 15 year loan which would increase my payment by XXXX a month. I asked where is the XXXX to 3.25 % rate. He said oh that would be an arm. I asked what was the rate for a 30 year fixed conventional mortgage like my current loan. He said 4.2 %. I said I told you I was pursuing a lower rate, I did not ask for a lower term or to change my payments. He intentionally baited me into pulling my credit report after I expressed my concern over doing so for no reason. The rep was unethical and never had a product that met my requirements but pursued anyway. I would fire an employee of mine that behaved in this fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
We filed a XXXX back in XXXX or XXXX and did NOT have our XXXX or our XXXX mortgages included in the XXXX. The lawyer never sent us anything to let us know that we were going to re-affirm our mortgages, stay in the house and keep our payments on time, which we have. NEITHER XXXX XXXX XXXX # XXXX or XXXX XXXX ending in XXXX have been reporting our payments as being on time since then. Our credit scores have suffered because of this and prevented us from getting the lower interest rates on car loans, credit cards, etc. We did some research on the XXXX and found out that he got his licensed suspended at the time because of numerous complaints.

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 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
We filed a XXXX back in XXXX or XXXX and did NOT have our XXXX or our XXXX mortgages included in the XXXX. The lawyer never sent us anything to let us know that we were going to re-affirm our mortgages, stay in the house and keep our payments on time, which we have. NEITHER XXXX XXXX XXXX # XXXX or Compass Bank ending in XXXX have been reporting our payments as being on time since then. Our credit scores have suffered because of this and prevented us from getting the lower interest rates on car loans, credit cards, etc. We did some research on the XXXX and found out that he got his licensed suspended at the time because of numerous complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I open opened this account XXXX/XXXX/XXXX while I was in the store checkout and the cashier stated she could get me approved for a credit card. I told her no several times but she insisted and I felt coerced into giving her my drivers license upon which she said it would not run against my credit. It would only be a soft pull she just wanted my ID to type in the name and my drivers license number. Well upon a pull of my credit report the hard pull was on my account! The instant approval and she put the items on the card, which was {$60.00}. I did n't get a statement that month of course because it was the end of the month and so I did n't receive a statement. I took it upon myself to go into the store and make a payment on my own XXXX/XXXX/XXXX for {$30.00} XXXX {$27.00} scheduled payment ) then on XXXX/XXXX/XXXX paid {$38.00} XXXX which would have paid off the entire debt ). I .. all payments were reported as paid. Until XXXX stating I was 30 days late, which is not true. 
On or about XXXX/XXXX/XXXX I called your customer service number to discuss this matter with no resolution, then again on XXXX/XXXX/XXXX when I spoke with XXXX who assisted me with obtaining the information to follow up to correct this error. I was assured it would be handled but when I disputed the entry on my credit report it said you verified the information to be accurate. If you look at the account you will see the reversal of late charges and my account is now also current and has a credited balance. 
Please make this correction so that it will not continue to adversely affect my family and me. This oversight and error has cost me harm and credit denial. This needs to be rectified immediately. I was told the account was to be paid on XXXX/XXXX/XXXX and payment was not credited until XXXX though I received not payment for the month due to paying more. THAT IS NOT 30 DAYS late.. These erroneous late fees which have been reversed due to this error is what would have been late because I no longer owed money for any merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
Hello, my mortgage was transferred from XXXX to Nationstar Mortgage on XXXX XXXX, XXXX in the amount of - {$140000.00} and escrow balance of {$1000.00}. I sold my property and closed on XXXX XXXX, XXXX and the payoff figure was {$140000.00}. Nationstar pulled a payment of {$1000.00} ( {$250.00} for escrow + {$820.00} for PI ) on XXXX XXXX, XXXX which would have been for XXXX, XXXX. According to the payoff statement from Nationstar, interest was calculated for XXXX XXXX to XXXX XXXX, XXXX. I received an escrow balance check of {$1300.00} XXXX {$1000.00} + {$250.00} ) and another check for a portion of overpaid amount, {$1200.00} XXXX I am not sure how this amount was calculated ). 
Not figuring any escrow balance refund ( since this is straight forward ), I have summed up the following : - {$140000.00} transferred loan {$820.00} payment for XXXX ( PI ) {$140000.00} wired payoff amount - {$350.00} overpaid interest ( since this loan was paid off on XXXX XXXX, I believe I overpaid interest amount of {$350.00} ( 20 days x {$17.00} per diem interest from payoff statement ). 
The net is {$1500.00} and I got a check for {$1200.00} ; so I am short by {$380.00}. 
I have called Nationstar ( now called Mr. Cooper ) and tried to resolve dispute but either they are not responsive or they disconnect the call without doing anything. I need help please in resolving this matter. Thanks. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: GA

Complaint narrative:
There is an unverified account reporting on my credit reports with XXXX, Equifax, and XXXX. The Creditor is XXXX XXXX XXXX. I have been the victim of identity theft in the past and I reviewed a copy of my Credit Report and I noticed that this in accurate account is reporting on my Credit Reports. I have disputed the item with all 3 Credit Bureaus and I requested verification that this account belongs to me with my signature on any forms or documentation that this company may have but I received nothing. I have called the XXXX XXXX directly as well as XXXX, Equifax, and XXXX to try to have this matter resolved. I have been trying to dispute this unverified account since XXXX 2017. They have failed to validate the debt. I would like for this unverified account from XXXX XXXX XXXX to be removed from my credit reports Immediately from all XXXX Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is an unverified account reporting on my credit reports with XXXX, XXXX, and Experian. The Creditor is XXXX XXXX XXXX. I have been the victim of identity theft in the past and I reviewed a copy of my Credit Report and I noticed that this in accurate account is reporting on my Credit Reports. I have disputed the item with all 3 Credit Bureaus and I requested verification that this account belongs to me with my signature on any forms or documentation that this company may have but I received nothing. I have called the XXXX XXXX directly as well as XXXX, XXXX, and Experian to try to have this matter resolved. I have been trying to dispute this unverified account since XXXX 2017. They have failed to validate the debt. I would like for this unverified account from XXXX XXXX XXXX to be removed from my credit reports Immediately from all 3 Credit Bureaus.

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 2017-10-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Information that was previously deleted has been reinserted without proper notice being given. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/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 2017-10-27 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:
No longer able to receive personal type of payments XXXX free, family and friends ) via both of my paypal accounts. 

Company refused to provide justification or allow an appeal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
My monthly mortgage payment with Nationstar prior to XX/XX/XXXX was {$1.00}, XXXX. I was informed by my new mortgage loan company would be Mr. Cooper, and that I have an escrow shortage of {$2000.00}. XXXX. After speaking to the escrow specialist from XXXX XXXX I was informed that my Taxes had increased by {$270.00} a year. It was further explained that I was actually {$2700.00} short. The escrow analyst reported that my actual shortage was really {$1400.00} and XXXX XXXX took it on themselves to charge me an additional {$1300.00} since they were the ones to cover the escrow shortage of {$1400.00} which totals {$2700.00}. When I first acquired the loan on this home approximately 13-14 years ago my monthly payment was around {$1200.00}. XXXX. I refinanced this loan about 5 years ago for a 10 year mortgage bringing my monthly payment to around {$1300.00}. A year or so later my mortgage company changed and I was told Again and Again that my escrow was short. each time the mortgage company told me that my escrow was short my monthly payment would rise. Now my mortgage company has changed again and again my mortgage payment has risen by about {$200.00}. I first purchased this home in XX/XX/XXXX for around {$120000.00} and my payments was around {$1300.00}. I now have a mortgage balance of {$73.00}, XXXX and my monthly payment is {$1700.00}. It seems that the more the balance decrease the payments should decrease as well or remain close to the same. There is clearly something wrong with this picture. PLEASE HELP. I do not want to go into foreclosure or have to pay for a foreclosure specialist that I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Equitable Acceptance Corp
State: FL

Complaint narrative:
I signed up with equitable acceptance on XX/XX/2016, when they called they said they were with the government and that they could help me get student loan debt relief. I was told I did n't qualify to have my student loan completely forgiven but I would only owent {$2000.00} from my $ 10,000+ student loan I would have to pay them $ XXXX month for their service. I agreed believing I would only owe {$2000.00} of my loan. It 's been a year I have paid them {$590.00} and I found out I still owe navient {$10000.00}.

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