vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 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: FL

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on DPEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Requested specific reasons for denial of mortgage application in writing from loan officer at Bank of America on XX/XX/19. Did not receive a response. 


In accordance with the equal credit opportunity act ECOA : " specific reasons why your application was rejected. The lender must give you the specific reason for the rejection or tell you that you have the right to learn the reason if you ask within 60 days. An acceptable reason might be your income was too low or you havent been employed long enough. An unacceptable reason might be you didnt meet our minimum standards. Thats not specific enough information. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I am a victim of fraud theft. I sold my ATV that was financed by Sheffield to an individual who led me to believe his bank was handling the payoff of my loan. However, in the end, he called into the phone bill pay system, entered false information and was able to show the loan as paid in full. The unit was delivered to the individual and 7 days later his funds returned as insufficient. My complaint is three-fold. 1. The phone system should require more identification and verification for someone to pay against a loan. All it asks for is the account number. The account number is easy to obtain and seems like a valid piece of information a bank might need to pay off a loan. No other information is required to make a phone payment so there is no way to know who is paying the loan or if they have authority to access loan details. 2. The phone bill pay system does not verify the checking account number, therefore, the system automatically assumes the account is funded and applies the "payment" to the loan immediately. 3. The funds for an ACH payment should not apply to the balance of the loan until the funds have cleared. The payment should show pending until the funding is verified. For this reason alone, I trusted the loan was paid in full because both the phone system and the online information showed a $XXXX  balance. Had it shown as "pending", I would not have given possession of the ATV until the funds were appropriately verified and applied to the loan.I spoke to Sheffield and they told me it was my fault for giving him my account number and all I could do was file a police report, but I am still responsible to pay off the loan. I understand my mistake now in giving my account number, but I honestly would have thought a financial institution would have higher standards and safeguards in place to prevent this type of fraud. If the system required verification of last four of social etc., not just anyone could falsely pay toward a loan. Also, if the system would have verified the checking account number with a check system, the payment would have been rejected at the beginning. Lastly, if the system would not have shown paid until the funds were verified and received, the loan would not have appeared as a $XXXX  balance and no action would have occurred with giving the theft possession of the vehicle. I believe the financial institution has the responsibility to right this wrong and not hold the account holder accountable for the loan given all the holes in their system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Settlement for sale of XXXX shares of XXXXs was completed on XX/XX/XXXX for a net total of XXXX. 

Wire transfer from HSBC bank to XXXX XXXX XXXX XXXX  account initiated on XX/XX/XXXX but amount has not been received. 

Multiple calls to XXXX XXXX XXXX and HSBC initiated between XX/XX/XXXX and XX/XX/XXXX yielded zero new information or retrieval of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CMM of Louisiana, LLC
State: KY

Complaint narrative:
XXXX XXXX started calling back in XXXX telling me I owed a debt for a Cashtyme debt that I took back in XX/XX/XXXX if not earlier. They told me I was going to have to go to court and deal with it there. Then on XX/XX/XXXX I received another call from them and a woman got on the phone and told me she is going to execute a warrant for my arrest if I didnt pay something today. I told them I had {$500.00} and thats all I had. She then told me if I pay {$500.00} that I would have to make 2 additional payments of {$770.00} in order to resolve this deal and not have a warrant executed for my arrest. I made the payment in {$500.00}. I then called the FTC and was told they was under review and they are known for scamming and it was her advice that I call and try to get my money back and report it and if they do send a judgement against me I would then have to go to court and I can fight it there or pay the debt then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2019 I applied for a credit card account wth CITi Bank for a Citi Double Cash MasterCard and was denied for the reason of having to many credit inquires on my XXXX  credit report. I received a copy of my credit report and I feel like I am being discriminated against by CITI Bank. I would like to know what is their guidelines for the amount of credit inquires because I only have 3 on my XXXX report and 1 of them is CITI bank. The application # XXXX. I think this is poor banking practices and would like specifics on their credit approval process. I will be filing other complaints to other agencies because this is unfair

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: NM

Complaint narrative:
Company failed  to make a proper investigation under the FCRA even when I provided a factual error directly from my credit report they just send me a computer generated reply , I demand under section 611 of the FCRA for them to provide me with the method of verification or delete this account .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
Calvary Portfolio Services has repeatedly called my work number when the contact number I provided is my cell number. I work in a law firm and they do not allow these calls. CPS called and left messages on my work voicemail on XX/XX/19 at XXXX and XX/XX/19 at XXXX XXXX and called again this morning XX/XX/19 at XXXX XXXX. but did NOT leave a message. Further, I can not communicate with them on my cell phone when I am at work between XXXX XXXX. and XXXX XXXX. I have payments set up with them for my credit card accounts that need to be paid, so there is no reason to contact me numerous times a day every day by phone. It will not change that I am doing all I can do to resolve the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation
State: RI

Complaint narrative:
i had an payment arrangement with avant to settle for a less amount**6 payments i paid on time and now- in turn they were going to satisfy this loan paid in full- they kept reporting to the credit bureaus as being late still and now that its paid they still have not updated info on all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
In XXXX of 2015 I contacted Navient to discuss income-driven repayment options with them so that I could afford my student loans. They suggested the income-based repayment option and told me that as long as I paid on time each month, that in 20 years the loans would be forgiven. When I called today to see if I could tweak my loan payments, they told me that I should apply for a Revised Pay As You Earn Repayment Plan and that the income-based plan I was in is actually a 25 year plan, so that my four years of on-time payments were basically nullified and this would reset the 20 year clock. I asked why this was not conveyed to me, and the representative just apologized and said this was my best option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
On XX/XX/2019 I disputed a collections on my credit report online to XXXX, XXXX XXXX, and XXXX  with Portfolio Recovery Associates, LLC listed in the amount of $XXXX. On XX/XX/2019 the dispute was returned without change from the XXXX, XXXX, and XXXX XXXX. On XX/XX/2019 I contacted Portfolio Recovery Associates, LLC directly requesting a dispute and further information to verify this account. On XX/XX/2019 I received a letter from Portfolio Recovery Associates with an invoice attached from XXXX XXXX XXXX (XXXX) XXXX. I have no records matching this account. On XX/XX/2019 I telephoned Portfolio Recovery, Associates, LLC and spoke to "XXXX XXXX." I requested further information such as signatures, dates, purchase dates, etc. She declined this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Company refused to accept payment to close the account. Will not reply to my emails. Now they are reporting to transunion and XXXX  that I owe twice an much as the original loan amount and it shows charge off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Company refused to accept payment to close the account. Will not reply to my emails. Now they are reporting to XXXX  and equifax that I owe twice an much as the original loan amount and it shows charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Company refused to accept payment to close the account. Will not reply to my emails. Now they are reporting to XXXX  and equifax that I owe twice an much as the original loan amount and it shows charge off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: FL

Complaint narrative:
My loan was being serviced by XXXX during the year of XXXX. For the 3rd and 4th quarter XXXX they reported 30 day late payments due to a misapplied payment by the processor. Although they were notified they did not make the correction on my report. In previous phone calls they had stated that a late charge had carried forward but they had also told me that late charges should not be reported negative. 
I received a notification of transfer XX/XX/XXXX to Loancare/XXXX. Prior to this transfer I had made XXXX aware of misapplied payments again in XXXX and received a letter of investigation from them. I also sent them information via email showing this misapplied payment. 
When I went to originate a new loan with XXXX XXXX XXXX XXXX-XXXX XXXX it was determined that XXXX had not made changes to my credit, Loancare had begun reporting me negative as well, and that payments had been misapplied by both lenders. 
XXXX late payments- reported late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX & 30 day late payments reported. 
LoanCare- late payments reported XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX They have greatly impacted my credit and ability to be approved for a mortgage loan based on their egregious posting of my loan payments that have never been late. They have impacted my credit standing and caused me to spend time, effort and money to pursue resolution. 
XXXX has not been responsive and I have had to contact them almost on a daily basis. Loan care reported me late for periods during which they did not service the loan. I have all cancelled checks to support on time payments and negate their erroneous reporting of late payments to 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 explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
Tried to payoff the loan in full and they refused to accept payment. They then sold my account to a collection agency ( XXXX XXXX ) which I was able to pay in full.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XX/XX/2019 I ordered a backup camera from XXXX, seller was in XXXX. XX/XX/XXXX the box shows up empty. XXXX refuses to help and tells me I have to give the seller 3 days to respond. Upon which they tell me I was lied to about that and that it takes 7 days, then I would need to file a police report and submit it to them. Upon which I'm told they ruled in my favor but because I started a claim to protect my money with paypal, they are voiding my protection and won't return my money. 

On XX/XX/XXXX I also called paypal, who is the financial instution I used for most of the transaction and was told they wouldn't help that ebay had to do it. 

Since nobody was helping I called my XXXX which was the other portion that wasn't in my paypal and they helped and I have that portion. 

The total transaction is {$120.00}. XXXX refunded me the portion that was on my card with was {$78.00}. 

Paypal let me know since I opened a dispute outside of them they are voiding my buyer protection as well. XXXX has ruled in my favor, and now neither company will give me my remaining {$50.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
At the end of XXXX I received an upgraded credit card from Synchrony Bank Care Credit. They said they were upgrading me from the store card to the master card. The mailing did not clearly state that it would be a fully new account that would damage my credit score. 

I activated the card in the last couple of days of XXXX. Yet the account listing on my credit report says it was opened XX/XX/2019, this means that care credit and synchrony Bank fraudulently opened an account in my name. 

On XX/XX/XXXX I logged into my synchrony Bank Care credit account and was discovered that I had two open accounts listed with two different credit limits. The original synchrony bank care credit store card with a limit of {$12000.00} and the master card version with a {$7000.00} limit. 

On XX/XX/2019 I used the synchrony bank website customer service chat to ask about the accounts ( note I am still waiting for a transcript of this chat ). The agent told me that they could close the master card account, that I never agreed to opening, and my original store card would remain open and unchanged. I confirmed multiple times that my original account would remain open. 

On XX/XX/2019 I logged into my account and discovered that it had both accounts listed as closed. I again used the chat feature and the agents told me that my original account was automatically closed because I activated the master card. I explained that I spoke to an agent on XX/XX/2019 and they assured me the account would remain open. The new agent said that they couldn't have kept the account open. So I requested the original account be reopened in accordance to the assurance I was given by the agent on XX/XX/2019. The agent said it was not possible and transfered me to a supervisor who also refused to help me. They would not give me contact information for anyone higher than themself, simply gave a general mailing address and fax number for customer correspondence. 

I have tried to fax and email customer service multiple times and they keep saying they will not honor the assurance from the customer service agent on XX/XX/2019 that my account will remain open. They will not reopen my account. They will not let me contact anyone higher than a customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I checked my credit and saw 3 medical bills from ASSETCARELLC/CAPIOPART for XXXX XXXX XXXX totaling $XXXX. I did not receive any notification for any debt for medical services as an indigent individual. I was XXXX  with no physical address to receive any forwarded mail. I also let the hospital know I was an XXXX XXXX  and did not have any insurance or money. This reporting is against my HIPAA rights a Is did not sign any medical releases before my information was compromised and accessed by ASSETCARELLC/CAPIOPART.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 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: NM

Complaint narrative:
On XX/XX/XXXX9 I disputed an account in my credit report with XXXX   XXXX  with a factual error from my credit report came back verified . The reason of my complaint is to challenge this outcome under the section 611 of FCRA I demand the method of verification or deletion of this account .

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