vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA Compass ( the Bank ) refused to provide me with substitute checks copies for your XXXX Checking Account ( # ... XXXX ). 

A certain number of checks were paid out of my account but the Bank will not provide me with copies of the cleared checks. I have also requested all of my funds currently being placed on hold/restricted/or otherwise be release to me immediately every single time I make callas to BBVA. 

Bank records show the XXXX Checking Account ( # ... XXXX ) in question was charged off on XX/XX/XXXX with a balance owed of {$230.00}. You also had two other deposit accounts ( # ... XXXX and # ... XXXX ) which were charged off on XX/XX/XXXX with balances owed of {$1300.00} and {$15.00}, respectively. Between XX/XX/XXXX and XX/XX/XXXX, a total of thirteen ( 13 ) checks were presented to this account ( s ) ( # ... XXXX and # ... XXXX and XXXX and were all allegedly returned unpaid. 

The checks that were presented to the account are as follows : XX/XX/XXXX Check # XXXX {$59000.00} XX/XX/XXXX Check # XXXX {$10000.00} XX/XX/XXXX Check # XXXX {$1000.00} XX/XX/XXXX Check # XXXX {$1000.00} XX/XX/XXXX Check # XXXX {$55000.00} XX/XX/XXXX Check # XXXX {$10000.00} XX/XX/XXXX Check # XXXX {$10000.00} XX/XX/XXXX Check # XXXX {$60000.00} XX/XX/XXXX Check # XXXX {$11000.00} XX/XX/XXXX Check # XXXX {$10000.00} XX/XX/XXXX Check # XXXX {$5000.00} XX/XX/XXXX Check # XXXX {$27000.00} XX/XX/XXXX Check # XXXX {$9800.00} On the memo portion of the checks, it states either for setoff and adjustment or Paid in full, for setoff/adjustment. 

Lastly, some checks appear to be electronically generated via computer with the routing number and account number for BBVA Compass but have the financial institution name listed as XXXX XXXX XXXX which were remitted in error and explanation given to XXXX at BBVA. 

Notice is hereby given that BBVA has forbidden me from ever entering any bank location. Ever! 

" Due to your behavior during one of these visits to the XXXX XXXX Banking Center on Tuesday, XX/XX/XXXX, the Bank has made the decision to revoke your privilege to enter and/or contact any BBVA Compass property. Contacting includes, but not limited to, telephone calls, emails, and social media direct messaging. Further appearance and/or contacting shall be considered trespassing and/or harassment, and the Bank will seek all remedies within its power. A No Trespass/No Contact Notification Letter with this information was sent to your address of record on XX/XX/XXXX. A copy of the No Trespass/No Contact Notification Letter is attached to the CFPB portal for your review. "

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is regarding XXXX  XXXX account XXXXxxxxxxxxxx appearing on Transunion and XXXX  credit bureaus.The account should be deleted today upon receipt of the proof attached.There have been multiple disputes without remedy by either bureau.Both bureaus possess an FTC identity theft report that neither bureau reacted by blocking the information.Transunion sent a letter and CFPB response to CFPB XXXX-XXXX, basically accusing me of either being mistaken or a liar or a thief.Transunion will find TODAY that " the shoe is on the other foot '' and that maybe it is Transunion who are mistaken ... .I have attached the XX/XX/19 letter. 
These are the facts : I experienced a fraud where some unknown entity used my card to buy steroid using muscle building products.I complained to XXXX   XXXX.Over time, XXXX XXXX removed every fraudulent charge and all fees assessed by XXXX  XXXX and adjusted the balance to XXXX. 
I have never used the card for anything. 
Yet XXXX XXXX employees, reporting credit, have held me accountable for late payments on charges I never made or paid for and products never received.The statements showing all charges and fees adjusted to XXXX by XXXX XXXX are attached. 
Transunion would doubtfully survive legally and XXXX  as well with doing nothing less than an immediate deletion of this account as XXXX recently completed. 
VERIFIABLE PROOF IS ATTACHED THAT PROVES THAT THE CREDITOR XXXX XXXX AND BOTH BUREAUS, XXXX AND TRANSUNION ARE INCAPABLE OR UNWILLING TO ABIDE BY THE FCRA.

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 2019-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.

Complaint narrative:
I had funds that I earned some tears past in XXXX XXXX whee I was involved with power XXXX XXXX to XXXX XXXX XXXX and all earnings were deposited to XXXX XXXX XXXX  XXXX, as there was only one small bank in XXXX and not recommended, XXXX being the assumed safest option. 

I requested XXXX  XXXX early this year to transfer my funds to my XXXX XXXX XXXX, then I had to pay the usual fees to make the transfer, this done I was given details that the transfer had been made by XXXX XXXX via their corresponding bank Citibank New York. 

Then I was taken ill with XXXX and after treatment resumed to find oit where my funds were, dealing with a Dr , XXXX XXXX, I was sent details of my funds on route with Citibank, I then again contacted Dr , XXXX XXXX of XXXX XXXX to ask what was the delay, after more fees requested. 

I then sent a letter to XXXX in USA and received a positive reply from a XXXX XXXX confirming my funds were indeed in Citibank New York waiting onward transfer to my XXXX XXXX XXXX. 

He asked me to obtain the XXXX document from Dr , XXXX XXXX at XXXX XXXX, this I arranged and XXXX sent this to XXXX XXXX. 
Then several E mail exchanges with XXXX XXXX, then he said there was a hold on my funds by XXXX XXXX and that I would have to send {$500.00} Dollars to allow my funds to be transferred, this I did and I was given the bank account in XXXX XXXX Florida for the XXXX XXXX lawyer namely XXXX XXXX XXXX XXXX, he then confirmed by E mail that he had received the {$500.00} Dollars, then another E mail from this XXXX XXXX XXXX to say I had to pay IRS Tax of {$1000.00} plus Dollars, at this while I questioned him as I know there is NO such tax as my funds were being in USD have to transfer via the United States, while arguing by E mail, I became suspicious So yesterday I called the XXXX XXXX head office in New York and they put me through to their official register and after their search advised that there was NO XXXX XXXX XXXX XXXX in any office of XXXX XXXX and also that his E address was not genuine. 

Today I had exchanges again with this XXXX XXXX XXXX XXXX, threatening to cancel all my funds in Citibank if I did not pay up this IRS tax. 

meantime just to be certain I was waiting an E mail confirmation from XXXX XXXX of XXXX XXXX who when it arrived he had re-confirmed that XXXX XXXX XXXX XXXX was a FRAUDSTER and to take action as I do now with your esteemed office. 

I have several documents that I would like to attach as evidence if you can let me have an E mail address I will send

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 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
I paid my debt in full on XX/XX/XXXX, and they still haven't reported the debt as paid in full as of XX/XX/19. I called a few days after XX/XX/XXXX, told there was nothing the rep could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Eagle Accounts Group, Inc.
State: MD

Complaint narrative:
The Motor Vehicle Administration ( MVA ) ( and the Central Collection Unit ( CCU ) ) for the State of Maryland has ignored the automatic stay order for my Chapter XXXX Bankruptcy. I notified both agencies of the filing and case information on more than one occasion. The CCU continues to collect the debt for Maryland Department of Motor Vehicle ( MVA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
LoanCare has not resolved an Escrow mis-calculation complaint that was submitted by mail on XX/XX/XXXX. The complaint was acknowledged by LoanCare on XX/XX/XXXX and followed up by a letter dated 35 days later on XX/XX/XXXX indicating that they had opened a research inquiry with the tax department and that they would be sending an update within 7 to 10 days. As of today ( XX/XX/XXXX ), we have not received the update that was promised by their letter to be given by the first of XX/XX/XXXX. 

As per the account information online at XXXX as of today XX/XX/XXXX, the escrow analysis still indicates a inflated monthly escrow amount of {$600.00}. This was calculated by the using the incorrect tax impound amounts supported by the documents that were sent to Loancare with the complaint. The notification of the error was originally emailed to Customer service in XX/XX/XXXX and later sent by letter on XX/XX/XXXX that was acknowledged on XX/XX/XXXX. Based on this erroneous escrow analysis, Loancare indicated that there was a {$2100.00} escrow shortage that calculated a new monthly escrow impound of {$600.00} ( up from the original amount of {$280.00}, a whopping {$320.00} increase! ) With the application of the correct tax impound, the shortage today ( since I have now made 2 mortgage payments with the impound amount calculated by using erroneous property tax information ) would be calculated at {$750.00}. Since LoanCare requires a minimum 2 month reserve, this translates to a new monthly escrow impound of {$330.00}. It appears LoanCare may be attempting to drag this resolution out, well past the RESPA 60 day requirement which is a violation of Section 6 of the Real Estate Settlement procedures Act, until I have made the XX/XX/XXXX payment with the erroneous impound amount. This could be an attempt to require me to pay the entire remaining shortage at that point of {$410.00} within 30 days because it would then not be required to be spread over 12 months as it would then be less than 1/6 of the yearly escrow projection. I hope that this is not the case, and has not been the intention of the company from the beginning. I am concerned because of the 100s of complaints that are readily available on line about LoanCare and their questionable loan servicing practices. 

This issue was originally brought to LoanCares attention by submission of the information through their online secure form email portal on XX/XX/XXXX shortly after the error was made in their escrow calculation they did on XX/XX/XXXX. This submission was never acknowledge and prompted the letter to be sent by mail on XX/XX/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 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been a customer of Chevron ( who's credit card is handled by Synchrony Bank XXXX since XXXX and always paid my bill in full each month. However, on XX/XX/XXXX I transposed the numbers and should have paid {$580.00} but actually paid {$580.00} which is a XXXX difference which they charged me {$5.00} interest. They say this is how they calculate interest at 29.24 % APR but they can charge the public on all purchases that month not just the XXXX I left off. On the back of the bill they can calculate the interest by their Method 20 or Method 2M. A lot of consumers are getting ripped off if a XXXX cent error is charged {$5.00}. How they can charge interest on all the purchases during the month and more than the XXXX is beyond me when I paid the entire bill except for this amount when I transposed the numbers.

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 monetary relief
Consumer complaint received 2019-09-18 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: ME

Complaint narrative:
There is information reporting on my credit file that does not belong to me : XXXX XXXX opened XX/XX/XXXX ( Please remove from my credit file ) XXXX XXXX is inaccurately reporting that i was late in XX/XX/XXXX. Please remove these inaccurate lates on my credit file. 

Please remove incorrect address information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, and XXXX XXXX Please remove unauthorized inquiries. I did not authorize these inquiries. 

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 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 2019-09-18 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: ID

Complaint narrative:
I sent notarized letters to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for physical verification of several accounts that are affecting my credit and they have declined all 4 times to provide me with what I have requested. All will be available in the attached files.

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 2019-09-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: PA

Complaint narrative:
I have reached out to the Prof Bureau of Coll. of Maryland Inc. and I spoke with XXXX XXXX at XXXX extension XXXX. 

I asked the rep to verify my alleged student loan debt that they keep attempting to collect. They have reported defaming information to all of the major credit bureaus which is inaccurate and not verified. I am unable to purchase a home because of these comments which deem me un-creditworthy. 

I have repeatedly asked for any agreement that I have with the Prof Bureau of Coll. of Maryland Inc that gives them a right to collect this alleged debt. I've asked for verification of the original instrument of indebtedness in its original form to which they have failed to supply and even some times flat out ignored my request. 

Please advise ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
I sent money to a lady selling tickets, she received the money and never sent me the tickets. She then proceeded to block me on communication platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a victim in the XXXX data breach a few years ago and also my information was compromised again in the recent XXXX  data breach. Fraudulent activity was not observed until I noticed that my email was hacked, personal information, employer, social security number, old passwords frequently used and address that I have reside at for years had also been compromised. I am currently in process of a data breach settlement from XXXX. I have also initiated a credit monitoring service through the credit bureaus and also obtain a security alert. A fraud application was also done a few months ago and a credit card that had fraudulent charges, interest charges and late fees was also reported to the lender ( XXXX XXXX ). XXXX has acknowledged all disputes from the the lender stated below and have deleted the account from XXXX XXXX, from my credit report permanently. To verify, XXXX can be contacted. See attached documents below. This matter is serious and is damaging my credit and is also inaccurate/ fraud. Someone used my information and banking information to access my information. Creating a duplicate card in order to make unauthorized charges.

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 2019-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom this may concern, I had paid off my remaining balance online of {$1800.00} on XX/XX/19. Fifth Third Bank failed to notify me regarding a balance {$5.00}, so for the past 5 months they have been reporting late payments to the 3 credit agencies ( XXXX, XXXX  and XXXX ). There was no way for me to know there was a {$5.00} balance, had I known I would have no problem paying them. As a matter of fact I have never failed to pay them, always on time and even more then the minimum payment because I wanted to finish paying off my car so I can purchase the house of my dreams. The only reason I knew about this issue was because I applied for a house loan recently and it shows in my credit report the late payments. So I immediately called Fifth Third Bank and paid off the remaining {$5.00}. In the meantime my home loan application has been denied due to the late payments that Fifth Third Bank failed to notifying me. Not a single call or letter. I believe this is very unjust because if they have the obligation to notify the credit agencies they should also notify me regarding any remaining balance. Again all I want is for Fifth Third Bank to remove the late payments they made against me. I have already file disputes under the 3 credit agencies, however nothing has been resolved. I called again directly with Fifth Third bank and inclusive spoke with their supervisor XXXX ( I  have her employee ID ) on XX/XX/19. She stated there is nothing to do, due to the fact that the account is close since XX/XX/2019 and that they are not responsible for notifying us regarding any unpaid balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
There is information reporting on my credit file that does not belong to me : XXXX XXXX opened XX/XX/XXXX ( Please remove from my credit file ) XXXX XXXX is inaccurately reporting that i was late in XX/XX/XXXX. Please remove these inaccurate lates on my credit file. 

Please remove incorrect address information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, and XXXX XXXX Please remove unauthorized inquiries. I did not authorize these inquiries. 

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 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 2019-09-18 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: ME

Complaint narrative:
There is information reporting on my credit file that does not belong to me : XXXX XXXX opened XX/XX/XXXX ( Please remove from my credit file ) XXXX XXXX is inaccurately reporting that i was late in XX/XX/XXXX. Please remove these inaccurate lates on my credit file. 

Please remove incorrect address information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, and XXXX XXXX Please remove unauthorized inquiries. I did not authorize these inquiries. 

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 XXXX

Company response to consumer: Closed with explanation