vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I submitted a complaint, with supporting documentation, through the United States Postal Service XXXX XXXX XXXX in XX/XX/2020. My name is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX. My phone # is XXXX XXXX XXXX XXXX. Email address is XXXX I have received several XXXX responses, from Consumer Financial Protection Bureau ( CFPB ) with the latest one dated XX/XX/2020. It stated that I could call XXXX XXXX XXXX XXXX and get information about my complaint. I phoned on XX/XX/2020 as soon as I received the letter but was unable to get any information. 

Since then I have sent two ( 2 ) letters requesting information to no avail. The XXXX ID # is XXXX. It is regarding Nationstar Mortgage XXXX XXXX Mr. Cooper mortgage servicer. They have filed a foreclosure action with the courts so time is of the essence to avoid losing my home. 

It is extremely important that I receive a copy of the company 's feedback as soon as possible so that I may be able to review it and respond with feedback within the sixty ( 60 ) day allowed. 

PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
I am a military member of the XXXX XXXX in XXXX XXXX XXXX   abroad. 
To receive my salary, I have a bank account at the XXXX XXXXXXXX XXXX in XXXX, USA. 
The transactions are made between this account in the US and an account, also in my name, in XXXX. 
On XX/XX/2020, I created a transfer from the US to XXXX, worth USD XXXX, which discounted the fees, would be at the date XOF XXXX via TransferWise. 
The confirmation of such transfer is attached, which includes the transfer code, my identification code, the partner bank, the destination bank, the values and the date. 
The planned date of completion of the operation was XXXX XX/XX/2020. 
The allegation is an international policy against dirty money of illicit origin. 
After the problem, TransferWise offers imprecise advice, slow, eluding end avoiding responsibilities. 
On XX/XX/2020, TransferWise sent a message announcing the interruption of XOF transactions, also attached. 
I have not been prompted to submit documentation that attests or supports the suitability and lawfulness of the money involved. This is my monthly salary. 
TransferWise does not direct me and does not offer me subsidies for a lawsuit, such as - documents questioning the reason for the refusal of the money, - date of refusal of the money and name of the partner who refused, - tracking of money, - names of partners, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates is trying to collect debts in which they are not licensed in my state nor hold a certificate of authority for my state of Georgia. 

XX/XX/2020 XXXX Dispute XX/XX/2020 XXXX Dispute XX/XX/2020 XXXX Dispute They continuously harasses me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
my account was blocked back in XXXX. Citibank keeps changing the date the account was blocked and although they do, I have letters with the original date that was sent to me back in XXXX. I was told my account would be closed within 30-60 calendar days from XX/XX/XXXX then it became XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and eventually XX/XX/XXXX. it is now XX/XX/XXXX and my account is still closed. was given a date of XX/XX/XXXX that my account would be fully closed and here we are its still open. when I inquired about this they said It was because a pending dispute however I informed them all 53 letter I got in the mail that week said each and every dispute would not be honored and that they were a finished matter. 6 separate representatives have said they have requested the expedition of my account closure. nothing has happened as a result of this. Citibank is now in violation of the statues governed by the Department of Banking and Insurance. this has caused severe and  unrepairable financial damage to myself and my family. Citibank has made no effort to professionally handle this issue and I believe they are doing this because I was wiring {$30000.00} out of my account to pay the second portion of the down payment on the home I was purchasing which I now have not been able to and the first half of my down payment which was non refundable has been kept and I am out that money, which there is no reason this should have happened.

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 2020-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX was place on hold for no reason called 4 straight days finally someone told me to go into a branch which b/c of covid i'm not going to do! they need to unfreeze my account b/c no reason for it to be locked my balance is over XXXX i'm putting money into my XXXX  not taking it out

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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I paid USAA in full for a charged off credit card in 2019 in the amount I was told by the representative. I noticed on my reports several months later that usaa has continued to report a charge off status monthly on my report. This is illegal to keep updating monthly after the account has been paid. Only after calling usaa after several months was I notified that there was a XXXX cents balance deft on the account. I was never notified of this and was told the balance was XXXX. The balance on the account was even reported as XXXX on my reports. Usaa continues to report a monthly charge off on my report suppressing my scores which is again illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I'm being denied access to the billpay service for no other reason than I do not have a cellphone that gets text messages. 

This is a discriminatory practice to old people with bad eyes and XXXX who are physically incapable of using a cellphone and can't afford the cost of a bunch of tech gadgetry just for this one thing.

I'm sick and tired of millennials and their toys dictating how I'm supposed to conduct my business. I thought I was doing great just to have internet. If you're going to do this, then it should be mandatory to state in your adverting : " if you don't have a cellphone that gets text messages, don't bank here. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
Since XXXX of 2020 I have been trying with BMW to get a payment made on XX/XX/2020 posted to my account. I have called them numerous times and I have not gotten any results. they are still researching it. It is now XX/XX/2020. 
I spoke to XXXX  today in collections at BMW finance and he said that he could not locate the payment. He said my request is still open. On XX/XX/2020 I spoke with BMW Finance and was told to send a copy of the proof of payment from my bank to XXXX. I also faxed the proof of payment to BMW Finance on XXXX XXXX and spoke to XXXX who told me to fax it and it would be resolved within 48 Hours. See attached. The proof of payment shows that the check was sent by my bank on XX/XX/2020, that expected delivery would be XX/XX/2020 and that the check was cashed on XX/XX/2020. I keep being told by BMW finance that this was to be resolved with 48 Hours. That never happened. 
Also on XX/XX/2020 spoke to XXXX  at BMW Customer escalations and he said that there is an SR open looking into the complaint. XXXX looked again and found my faxed proof of payment but still could not confirm that the payment had been applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My XX/XX/2020 XXXX XXXX statement listed a charge of {$24.00} made by EXPERIAN. I never authorized or knew of any kind of a charge on my XXXX XXXX card from EXPERIAN. I am a XXXX XXXX XXXX veteran and I have had an XXXX XXXX card for years. I never checked by billing statements as closely as I should have. When I contacted XXXX XXXX they admitted it was illegal for someone to use my XXXX XXXX card without my permission but their only advice was for me to contact EXPERIAN. I did some back checking and discovered that I have been paying this monthly {$24.00} charge for years. 
Thank you.

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 2020-10-08 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: PA

Complaint narrative:
The XXXX XXXX account has been paid in full and Experian is reporting it as a charge off. Also, Experian has the wrong balance and account number. Please open attachment for your review as I got a letter stating the account is paid in full and is in good standing. 

The correct account number is : XXXX Thanks You

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 2020-10-08 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: Ability Recovery Services, LLC
State: LA

Complaint narrative:
ability recover services is reporting inaccurate information and i have disputed it in writing and online and the results remain the same it is indeed INACCURATE

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 2020-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Curfin Holding Company, Inc
State: IL

Complaint narrative:
In XXXX when COVID hit, I lost my job. I contacted my lender and notified them that I couldn't make payments, but I would try. They allowed me an additional 30 days to try and come up with a payment and I couldn't. I lost my place of residency as well. They XXXX   my vehicle because it was towed due to 2 flat tires I had and couldn't fix and XXXX police department towed it and they notified my lender. They went and retrieved it. I tried to call and get it back, but they said they already had out it up in an auction but if I wanted to purchase the vehicle outright, I can with the amount exceeding XXXX which I DEFINATLY do not have. I noticed a hard inquiry on my credit report yesterday and I contacted them thinking that someone tried to get a loan in my name, but come to find out that this lender ran my credit without my authorization and they said they sent me letter and did not get a response .. as I indicated to you I became XXXX   and I did not receive these letters. They told me that I just ignored them and I did not. I am trying so hard to repair my credit to the best of my ability, and I asked her why did she run a hard inquiry. She told me she can do that and she plans on doing a hard inquiry once a month which I do not agree with. She told me that if and when I'm employed, she will have my wages garnished to pay the remainder of my vehicle. I am scared. I am still seekinf employment and I am a XXXX mother with XXXX boys XXXX and XXXX and all of us live seperstky due to the Covid and the entire situation. I write to u because they are going to ruin my credit more than it already is. The way they conducted towards me is in acceptable and I fear what's to come. I tried to reason with them and they want one lump sum payment of half of what I owe which is about 4000 and I have nowhere near this amount of money. I explained I am XXXX, I do not work and I can't do what she is asking me to. They wouldn't even consider monthly payments. XXXX refuse to work with them any longer. I needed to reach out to someone because if she runs a hard inquiry once a month, I will never be able to have some kind of living environment for me and my boys, let alone if and when I do find a job, she thretenws to take my wages. What do I do.?? I couldn't even sleep last night. I hurried a son XXXX rates ago and his anniversary is coming up.. I have to go to XXXX because if all these problems. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: ND

Complaint narrative:
I sent a certified letter sent to ERC requesting Validation of Debt. The letter was returned as 'refused ' delivery. Since ERC refuses to accept the Validation of Debt letter what steps can be taken to have them prove the debt they purport I owe? Copy of Debt Validation sent to ERC attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
The Navy Federal account has been paid in full and XXXX  is reporting it as a charge off. Also, XXXX  has the wrong balance and account number. Please open attachment for your review as I got a letter stating the account is paid in full and is in good standing. 

The correct account number is : XXXX Thanks You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: FL

Complaint narrative:
THE ACCOUNT FROM XXXX XXXX DOES NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I had got a auto loan through Westlake Financial in XXXX of XXXX a few months later the vehicle started having electrical issues. Which was suppose to be covered by warranty and was not covered, I told them I cant drive the truck, pay for repairs, pay the car note and insurance. They suggested a voluntary repo I did not agree because I had paid such a large down payment around XXXX, They repossessed the truck while I was out to eat with my children, left us stuck at the restaurant. They ended up adding all kinds of illegal fees and charges that inflated the balance way more than what was owed. Recently during the pandemic I paid them the settlement amount they requested, on XX/XX/2020. They promised to remove it from my credit. It is still on my credit and now no one will remove it. Stating they don't do that, they tell you anything to get money and then they scam you thinking it will be removed off your report but then they do not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Before anything, I would like to thank the representatives at the credit bureaus that someone has helped in a way. I understand today 's difficulties.I am in the process of closing on my house, and the bank discovered some inaccurate accounts that needed to be addressed. On XX/XX/XXXX, I sent a series of dispute letters to the credit reporting agencies, I hoped to have an answer pertaining to these issues. After not receiving any notifications from them, I decided to contact them by phone. After speaking to someone with a very. broken English, I was told that, they didn't believe, I was the person that typed the dispute letter. Frankly, I found it terribly disappointing, and offensive coming from someone without proper knowledge of the English language. After verifying the fact that I HAD DISPUTED the accounts, the call went silent. It has become a terrible hassle to have some accounts properly invested. I have spent so much time, trying to review, and study federal law to be able have a good chance at winning this unjust situation. Furthermore, I would like to mention the fact that, according to section 611 of the FCRA, the bureaus must investigate and respond within 30 days. Failure to do so, will result in a lawsuit. I have also notified my attorney about this issue. Failure to close will result in losing my deposit. It will create actual damages for me and my family. In my actual dispute letters, I request investigation on XXXX XXXX act # XXXX, and a XXXX XXXX XXXX XXXX. act # XXXX. I SUBMITTED proper proof of address, my state ID, and a well written letter highlighting all of the issues located, and found a link to these 2 accounts.

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 2020-10-08 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: AR

Complaint narrative:
XXXX PLEASE LOOK AT THE IDENTITY THEFT AFFIDAVIT ATTACHED****I recently spoke with a representative by the name of XXXX XXXX with EXPERIAN CONSUMER AFFAIRS DEPARTMENT. I EXPLAINED TO MR. XXXX THAT TWO ACCOUNTS BY THE NAME OF XXXX AND XXXX XXXX  BOTH WERE OPENED earlier this year fraudulently without my knowledge or consent. I informed Mr. XXXX these accounts have both been removed from my XXXX  and XXXX  credit reports and asked what is EXPERIAN DOING DIFFERENT TO NOT REMOVE THESE ACCOUNTS AFTER RECEIVING BOTH AN IDENTITY THEFT AFFIDAVIT AND POLICE REPORT. MR XXXX STATED THAT HE COULD NOT EXPLAIN WHY XXXX  OR XXXX  HAS DELETED THESE ACCOUNTS AND THAT ALL BUREAUS ARE SUPPOSED TO USE THE FAIR CREDIT REPORTING ACT GUIDELINES FOR VERIFICATION. MR. XXXX STATED THAT BOTH MY POLICE REPORT AND FTC REPORT DID NOT APPEAR OR LOOK TO BE VALID. I ASKED MR XXXX WHAT HE MEANT BY THAT COMMENT AND HE STATED HE COULD NOT GO INTO ANY DETAILS WHICH DIDN'T MAKE ANY SENSE TO ME. I FEEL EXPERIAN & MR XXXX ARE BEING DISCRIMINATORY AT THIS POINT BY ACCUSING ME OF SUBMITTING FALSE DOCUMENTS WITHOUT HAVING ANY PROOF. I EXPLAINED TO MR. XXXX IT IS IMPOSSIBLE TO COMPLETE AN IDENTITY THEFT AFFIDAVIT WITH INCOMPLETE INFORMATION. ALL AREAS OF THE AFFIDAVIT ARE NOT REQUIRED TO FILL OUT TO COMPLETE SUBMISSION SUCH AS EMAIL ADDRESS & ETC. I ASKED MR XXXX WHAT IS IT THE CREDITORS ARE SENDING EXPERIAN FOR THEM TO VERIFY THESE FRAUDULENT ACCOUNTS BELONG TO ME AND HE STATED THEY DO NOT PROVIDE ANY PERSONAL INFORMATION OR PHYSICAL DOCUMENTATION. I THEN EXPLAINED TO MR. XXXX THEREFORE ANYONE OR INDIVIDUALS WITH MY PERSONAL INFORMATION COULD EASILY OPEN OR ESTABLISH ACCOUNTS IN MY NAME AND IMPERSONATE ME. EXPERIAN CONTINUES VIOLATE MY CONSUMER RIGHTS BY REPORTING THESE FRAUDULENT ACCOUNTS TO MY CREDIT FILE. BOTH OF THESE ACCOUNTS SHOULD HAVE BEEN BLOCKED IN ACCORDANCE TO THE FCRA SECTION 605B. I FIND THIS TOTALLY UNCACCEPTABLE AND IS A BIASED DECISION ON THERE BEHALF. EXPERIAN HAS PROVIDED NO PROOF OF 100 % ACCURATE VERIFIACTION OF THESE ACCOUNTS AND HAS VIOLATED MY RIGHTS BY FALSELY ACCUSING ME OF SOMETHING I HAVEN'T DONE.

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