vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-21 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: CA

Complaint narrative:
My wallet was stolen in XX/XX/XXXX between XXXX XXXX and XXXX XXXX  in downtown XXXX XXXX. I discovered this because a charge went through at the nearby XXXX store for {$1000.00}. The person then continued to try and charge the rest of may cards all throughout the night ( thankfully those were denied as the limit was too high on them to allow the charges ). I reported this to my bank, XXXX  XXXX and called XXXX immediately and blocked my card online using the mobile app. In order to pay for things until I got my new card, I used online services ( XXXX, XXXX, XXXX XXXX ) while unblocking to make the transaction and then blocking again once I had to ensure no further unauthorized charges going through. I filed a police report, sent in documentation of my attendance at a makeup appointment that lasted from XXXX to XXXX XXXX ( the charge came through at XXXX XXXX ) and provided the makeup artists name and number to my bank. I also sent the other fraud notifications that I received. I can prove where I was the entire night through various other records but none of this was requested by the bank before they denied my claim outright, stating that because I used the card after the false transaction occurred that there was no error. This is patently false as I explained that I was using the card online, not my live card. I had no other way to pay for things since my card was taken. After explaining this, they reopened my claim, but have yet to provide any service around the fraud report, will not answer my emails and gave me an exploding deadline of XX/XX/XXXX, the week of XXXX to provide " more information that substantiates my case '' but have given no guidance about what information they need. To this reply I sent the evidence that the purchases made after the fraudulent transaction were made from my phone and not with a live card as the fraud person claimed. I am very frustrated and also out {$1000.00} after being financially abused by this person, and then my bank. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED USBK COURT XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : CHAPTER XXXX BANKRUPTCY DISCHARGED Responsibility : Individual Debt Court Type : Federal District Plaintiff Attorney : PRO SE Estimated month and year that this item will be removed : XX/XX/XXXX USBK COURT XXXX CALIFORNIA Docket # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE I HAVE NEVER FILED FOR BANKRUPTCY PLEASE REMOVE IT OFF MY CREDIT REPORT PLACER COUNTY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE PLEASE REMOVE IT OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED USBK COURT XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : CHAPTER XXXX BANKRUPTCY DISCHARGED Responsibility : Individual Debt Court Type : Federal District Plaintiff Attorney : PRO SE Estimated month and year that this item will be removed : XX/XX/XXXX USBK COURT XXXX CALIFORNIA Docket # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE I HAVE NEVER FILED FOR BANKRUPTCY PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX COUNTY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE PLEASE REMOVE IT OFF 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 2018-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: NV

Complaint narrative:
After reviewing my Note, confirming that my loan accrues interest daily, On XX/XX/2018, I attempted to make my monthly payment prior to the due date, to save interest. There is not a way to accomplish this on the website. So I sent an inquiry to the company via electronic message, asking them if I could make my monthly payment prior to due date. They explained that I can not make my payment before the due date. I have to wait for the payment to be drafted on the due date, but I could make an additional payment that would apply only to principal to help pay my loan off sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US bank is both the lien holder, servicer and investor in my XXXX home mortgage ( confirmed with them ) I lost my job on XX/XX/2018. 

I used my severance to pay Mortgage / Property taxes  and did not get a new full salary check in my new position until 1st week XX/XX/2018. 

I fell behind two payments of {$3500.00} each. 

I applied for a forebearance and hoped to have the loan modified in some way. 

To date ( XX/XX/2018 ) US bank has declined to modify the loan and instead " offered '' a 3 month accelerated repayment plan of over {$5800.00} to be paid XX/XX/XXXX, XXXX, XXXX I had to turn this down as I only have about $ XXXX/month disposable income after paying all my bills. 

U.S. bank knew this in XX/XX/2018 when I applied. 

I appealed their repayment plan and denial of loan modification by XX/XX/XXXX IN WRITING as there letter to me instructed. 

I'm Waiting to hear from the appeal ( as of XX/XX/2018 ) I called US bank MAP ( mortgage assistance point today ) My Complaint In the middle of trying to a loan modification ( XX/XX/2018 ) I received a letter from US bank saying they were setting up an escrow account into which I was to deposit about $ XXXX/month to cover home insurance and property taxes. 

My loan note with them EXPLICTLY says " no loans or impound accounts '' and I will pay the property tax as I have done so far. 

I want this escrow account suggestion withdrawn. 

They have made the situation more complex as I was UP TO DATE on all home insurance payments with XXXX ( XXXX ) and yet they paid the full 6 months insurance even though I'd already paid 2 months WITHOUT my knowledge or consent. 

US bank refuses to conduct business via email and insists on telephone conversations. Im guessing to avoid paper trails. 

I have written to them and asked they shut the escrow request down and fix the home insurance mess they created.

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 2018-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have a mortgage with Wells Fargo. In XXXX, I fell into hardship. I filed a chapter XXXX and also applied for a loan modification. I was approved and paid my trial payments. Afterwards, I was told to sit tight and not make any payments until I received the paperwork. A year later, I received the terms which was only deferring the arrears. My BK attorney advised I didnt have to proceed and we proceeded to include the arraers in my BK. However, I was told I couldnt include all of the arrears and had to come up with $ XXXX to stop them for foreclosing. I did but it has drained me and out me in even worse position in that as soon as I get a liitle behind the threaten to foreclose when they are the ones who took an entire year with the modification. The judge agreed to allow some of the arrears which is being paid thru my BK payment and comes out of my check. Their tactics are terrible and unfair. If I didnt want my home I wouldnt deplete my funds and woukd have walked away like thousands do every day. I dont see how this is right!!!

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 2018-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I had XXXX  XXXX in XXXX of this year, and went back to work on light duty in XXXX and being on XXXX the paycheck was decreased but the loan was covered until XXXX. Due to bills being behind and I have not being able to work extra due to light duty, and just discovered another health issues that has also being hinder me from working extra since I am back on full duty since XX/XX/XXXX. I have talked to them they could not do another loan because I did one already, due to health issues earlier. They called my job 3 times, They are calling on Sundays. They are calling 3 to four times a day. When I try to explain they are just telling me what I need to do, I have spoken with a miss XXXX and she has left messages on my jobs and I have asked them not to call my job, I have stopped answering my phone, because they are aggressive and I have a XXXX XXXX and I am not allowing them to upset me. I do realize I owe this loan, but if they would be patience I can resume making payment next year XX/XX/XXXX. some dates are XX/XX/XXXX @ XXXX & XXXX XXXX XXXX, XX/XX/XXXX @ XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX XXXX XX/XX/XXXX @ XXXX, XXXX, XXXX @ XXXX this a just some of the times and you can clearly see XX/XX/XXXX and XXXX is the weekends

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Northstar Location Services, LLC
State: NJ

Complaint narrative:
Received a collection letter from NORTHSTAR LOCATION SERVICES LLC XXXX XXXX XXXX XXXX NY XXXX PHONE XXXX XXXX XXXX   CREDITOR XXXX XXXX XXXX ( PAYDAY LOAN ) BALANCE DUE {$2100.00} I ASSUME THEY PURCHASED THIS LOAN FROM XXXX XXXX/ PAYDAY LOANS ARE ILLEGAL IN THE STATE OF NEW JERSEY UNDER CONSUMER LOAN ACT , N.J. Stat. Ann. tit. 17, 1 et seq., N.J. Stat. Ann. 2C : 21-19., N.J .

Ann. 17:15A-47 They are attempting to pursue a judgement on an illegal loan.

The loan was for XXXX  I have paid $ XXXX.Principal balance left {$980.00} I will be sending certified letter to them stating they are in violation of NJ LAW FOR PURSUING COLLECTION OF AN ILLEGAL LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Please be advised I XXXX XXXX am demanding an immediate removal of this erroneous debt before I suffer future harm to my credit file. This letter is a demand for validation pursuant to the Michigan Consumer Protection ACT and the FDCPA, made on XXXX XXXX behalf. Your failure to respond may trigger an action for damages brought by an individual consumer against TRANSWORLD SYSTEMS INC for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulate what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On Tuesday XX/XX/XXXX I was in negotiation with an individual about purchasing some football tickets. After agreeing on a price the individual asked me to pay them {$300.00} via XXXX which my bank, USAA, was a partner of. Once I sent the person the money they were supposed to send the tickets from their XXXX account. These tickets never arrived and I called USAA a few hours later to report the scam. The banker informed me that since I never received the tickets that I would be able to file a dispute with USAA to get my money back. They would investigate and as long as the seller could not prove that I received the tickets then I would get my money back. I filed a dispute with them and I even asked if it would be helpful to have me send them screenshots of the conversation. They said that it would and gave me instructions on how to upload those documents. I uploaded the documents and then I was instructed to call back in the morning to make sure that they would be attached to my case. I was also instructed to call back on Friday XX/XX/XXXX On the morning of Wednesday XX/XX/XXXX I chatted with a representative, XXXX, who said that my documents were received and that once my case was assigned to a rep, they would notify me of my case number. Four hours later I received an email from USAA that they had completed their investigation on the dispute and that they had denied the dispute. I immediately called USAA and spoke to another representative and explained what had happened. That representative also told me that I needed to file a dispute for me to retrieve my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SRA Associates, Inc.
State: MD

Complaint narrative:
SRA Associates , Inc. and XXXX XXXX, XXXX are the same companies based on my research. However, this company is violating my privacy rights, infringing on my right of refusal, and calling me excessively and repeatedly for collection on the part of XXXX XXXX XXXX XXXX. This collection is result of a repossessed car a XXXX XXXX XXXX. 

I purchased the car from XXXX XXXX XXXX XXXX XXXX during the month of XX/XX/XXXX. Initially, the phone calls came from a unknown number. However, after I retrieved the voice mail I realized it was an employee of SRA Associates and XXXX XXXX, XXXX, which is the same company soliciting monies for the car. After the car was repossessed XXXXXXXX XXXX never notified me about the sale of the car, the amount it sold for, or whether or not I would have any residual monetary cost associated with the sale. 

My efforts to resolve, get information, and how important this was to my credit rating is an essential cause for this complaint. XXXX XXXX purposely and quite possibility exposed me to unfair loan practices used by XXXX XXXX XXXX XXXX for the purchase of my car. 

For the record, I shouldn't have been approved for the car based on the following metrics : 1. As a new first time buyer with little to No credit or credit history.

2. XXXX XXXX worked directly in consultation with XXXX XXXX and it's history of using unfair tactics on minorities for the sole purpose to undermine, take advantage of, and possibility ruin their credit rating and histories. It has been documented as far back to XX/XX/XXXX. 

3. At the time of my purchase I wasn't employed long enough for such a price tag of nearly and over {$20000.00} dollars for a car which would have caused me great harm and distress. However, XXXX XXXX XXXX XXXX XXXX sought to find a lender who was willing to approve this loan. 

4. XXXX and SRA are both causing me great distress and distrust for the outcome of this loan. 

5. SRA Associates have been calling me repeatedly threaten me with ruining my credit and asking for payments of the total amount of the car value of which XXXX XXXX should be totally responsible for at this moment. 

6. XXXX XXXX had a fiduciary responsibility to sell the vehicle for the highest possible price to offset the loan of which they approved of which based on the evidence and ability to pay should have never been approved. BUT IT WAS. 

Finally, I have asked SRA Associates to stop harassing me, calling me excessively, and attempting to blackmail me through ruining my credit and harm me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Premier Auto Credit
State: CA

Complaint narrative:
XX/XX/18 or XX/XX/18 Called company advised that car has been in a flood. Gave company claim number info. Stated will most likely be a total loss due to the water level it was over the vehicle. 
XX/XX/18 PAC called after the vehicle was deemed total loss in regards to past due payment. Told them they are receiving payment in full from the insurance company and that vehicle is a total loss. Rep had little concern over the vehicle ( Asset ) being a total loss and was more interested in securing a single payment to bring account current. I had already given claim info with insurance info. Informed them it was a total loss at this point and insurance would be making a payment. Told me I still need to make a payment. Told them no, rep replied will see and hung up. 
XX/XX/18 Called company to give updated info was referred to claims department with contact info. 
Hours later I received a collection text message stating to avoid additional procedures such a collection then I need to pay by XX/XX/XXXX. The date is XX/XX/XXXX so this is clearly over eleven months away. 
Called company back to speak to claims department to give additional info in regards to the insurance claim on the vehicle. The receptionist transfered me to collections instead, Collections asked how can I help you. I stated is this claims they stated no. Stated they were busy. Proceeded to tell me to make a payment. Advised rep again vehicle is a total loss and they will be receiving insurance payment soon. Rep was not interested in receiving information in regards to Vehicle ( asset ) or info in regards to an insurance payment to the loan. Rep was  hyper-focused on a monthly payment for the asset. Told rep I was done talking to him since conversation was repetitive and non productive. 
Company has been harassing in regard to a vehicle that is already deemed a total loss. intentional lack of communication between collections and claims department at company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Made numerous calls to Care Credit involving my account. They didnt honor a special interest free promotion and expect be to pay the interest that wasnt supposed to be charged in the first place. Not only have they refused to credit the interest, Ive received late fees on top of the balance and they have since closed my card and reported negatively on my 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 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has failed to send settlement check for previous clams. Wells Fargo has caused Financial Deformation by not opening up an account under XXXX XXXX XXXX. I have submitted 24 karat Gold, under the Mines and Minerals Act of 2009, at the Time of Opening up XXXX XXXX XXXX. XXXX XXXX XXXX, account number ending in XXXX ; XXXX ; XXXX. I have submitted XXXX XXXX and XXXX XXXX to Wells Fargo representative who open my account on record. XXXX submitted to Wells Fargo is supposed to be Transferred to the Department of Treasury.

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