vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 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: FL

Complaint narrative:
I just wanted to say that I had the worst experience with XXXX XXXX in an attempt to buy a home in XXXX. He is a Mortgage Lending Specialist with Bank Of America : XXXX, Arizona. His XXXX  # is XXXX. He was extremely rude to me as well as my Realtor. We had to go as far as reaching out to one of his colleagues by the name of XXXX XXXX due to his lack of professionalism. This happened back in the first quarter of XXXX. I was issued a Pre-qualification letter in XX/XX/2021 which has now expired of course. Once it was time to inform him of the properties we were looking at, we couldn't get a hold of him. I still have the direct emails of our conversation. He went as far as screaming at my Realtor all because we called his colleague to get a hold of him. In the beginning when when I submitted my bank statements to him, he also questioned where the money came from as if I don't have a full time job. I had over {$20000.00} saved up to put down on a XXXX. I had been saving that money since my early XXXX 's. He issued me a Pre-qualification letter so he had verified that fact. The reason I am bringing this up now is because it is a year later and I am just now recovering from a financial loss. I had to take that money and rent an apartment with it.

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 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XXXX at XXXX XXXX. received emails from Bank of America ( BofA ) to confirm my email address ( I did not ) and that my credit card application had been received ( I did not apply ). I also got a text and email from XXXX that there was a new inquiry from BofA. I attempted to contact BofA but could not reach a person due to not having account information with the bank myself to get started with the telephone prompts. I called XXXX who wanted me to try to resolve with the bank first. ( Both XXXX and XXXX blocked the inquiry because I had those accounts locked. ) At XXXX XXXX. I received an email from BofA that my credit card application had been approved. So I drove to a local branch who gave me more telephone numbers to call. I finally reached a person but it was the wrong department, was given another number to call but now I had to wait until the next day due to the time difference and their hours. 
On XXXX I reached a person who was able to help me, ultimately gave me a XXXX XXXX and confirmed that the mailing of the credit card had been stopped. Further, this person initiated a " Credit Bureau Dispute '' on my behalf. 
At XXXXXXXX XXXX. another email from BofA came in that I did not see until the morning of the XXXX, telling me the new credit card had been mailed to me and the address it was mailed to ( not mine of course ). 
On XXXX I contacted my local sheriff 's office and an officer came to my home to take my complaint and assigned a Case number to it.

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 2022-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS Loan # XXXX My loan had been with XXXX XXXXXXXX XXXX for the past 15 years. It was recently transferred to Select Portfolio Servicing - SPS. I got the notice of the servicing release from Bank XXXX XXXX as well as the Notice of Servicing Transfer from SPS. The transfer was effective on XX/XX/2022 and I am due for the 8/1 mortgage payment. I have revied the fee schedule for making an online payment but have not been given a grace period nor an opportunity to set up automatic payments to avoid any such fee. 

I tried calling and they said that this is their standard fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: NH

Complaint narrative:
Hi, This is a different collection company but the same debt that I disputed years ago on CFPB. I contacted all companies concerned last time before contacting cfpb. It disappeared from credit reports back then and hasn't reappeared, yet. 

Amount : {$890.00} Collection Company : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. XXXX, SC XXXX XXXX XXXX  Reference # : XXXX Original Creditor : XXXX XXXX Current Creditor : XXXX XXXX XXXX XXXX Please let me know if you need anything else. 
Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies.This has not helped ; thus, these accounts are still reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I was recently victim to fraud. There were two attempts on XX/XX/22. Someone tried to apply for credit in my name. I don't know how this happened as my credit is locked with all three entities. XXXX and XXXX caught it and notified me. I was able to place a fraud alert with them. 
The issues is I am not able to access my Experian account, even though I have a lock on it they still gave the creditor access to my report. I have tried several times by phone and had hours of endless searching for an email address, online service department, chat options and any other way for me to contact the company. None of the phone numbers I could find will transfer me to a live person to get the situation taken care of their system just hangs up on me and tells me to go to the website, which I am not able to access. When I try to get my Experian web account the password isn't working. I attempted a reset and get messages Experian is sending the information to an email that is not mine. 
Experian has made it impossible for consumers and especially consumers victim to fraud to get issues resolved. They do not provided valid phone numbers for resolution for multiple issues. Where is there accountability and responsibility to the consumers they monitor? 
1. I can not access my web account and the password reset is sending information to an email that is not mine.

2. customer service numbers are recorded and will not transfer to a live person to get resolution for complicated issues 3. no email or chat options are available to get a hold of the company for resolution and fraud alert to this serious and multifaceted issue 4. they are handing out my information and it appears the website or data basis have been compromised.

5.they are essential for my credit safety and reporting but have no way for me to get a hold of them when there is a serious issue.

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 2022-08-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint after attempting to settle this problem with both the furnisher and the credit agency both seem to be ignoring me. The only company that help me resolve this issue was XXXX, Experian and XXXX are reporting this unverified account. They failed to respond in a timely manner to my dispute letter time after time, Its been 5 Months. I had reason to question the validity of this account because they are reporting inaccurate dates open and I do not recall ever going into any XXXX company building I asked them kindly to provide me the documents supporting their claims on the alleged debt and also the original date the account was open how ever they failed to do so. Federal law requires the credit agencies to respond within thirty ( 30 ) days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) see 15 USC 41, et seq.

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 2022-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In XXXX I made an online purchase using Commenity Bank 's XXXX 's credit card. ( Acct. XXXX ). The package arrived in a XXXX 's box. I checked online for the charge ; it never appeared. When I spoke to a Customer Service Rep., I was told I had a XXXX balance. Today, I received a collection call from Commenity Bank 's XXXX 's credit card. I was informed that I have an overdue balance of {$76.00}, which includes a {$27.00} late fee. No one could explain why the online XXXX 's purchase was charged to my XXXX 's account ( XXXX ). 

I will pay the cost of the items and the minimum interest. I dispute that I owe a late fee as the items were changed to a different vendor without my knowledge. I have spent hours on the phone in an attempt to resolve this matter. Customer Support personnel are very difficult to hear and to understand. Moreover, my multiple requests to speak to a supervisor resulted in a retransfers into the extended-wait-time queue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting on 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 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a claim against XXXX for recurring charges dating back to 2021. I submitted a complaint to XXXX, which refunded my account, but Capital One canceled my accounts when XXXX acknowledged the mistake. I received an email to add a linked account, but when I called, I was told that I could not add a link to an external checking account and was told at the time of the call that there is no specific timeframe for when I will receive my funds left over in my checking account. I received an inaccurate email from this bank, and the accounts were closed for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
XX/XX/22, XXXX XXXX  - received call/voice mail from unknown number ( caller id listed as Unknown ). Roughly, this is the vm as transcribed by XXXX XXXX XXXX XXXX : Hi, this is [ worried ] XXXX calling from GCC. Please contact me or any of our representatives at XXXX today until XXXX XXXX or any weekday from XXXX XXXX to XXXX XXXX XXXX XXXX 

I XXXX the phone number and it came back as Gulf Coast Collection. All the entries were pretty much the same as my voicemail. 

I did not call the number. I don't know what debt they could be calling about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
In XX/XX/2022, I notified USAA FEDERAL SAVINGS that the cash back rewards amounting to {$1200.00} were erroneously removed from my account. USAA informed me the money was used to purchase gift cards. I disputed the claim and still have not received resolution. Despite me reporting to USAA that fraudulent use of the cash back rewards points occurred, USAA continued to allow additional purchases of gift cards through my account. Totaling more than {$1700.00} cash back rewards being fraudulently removed from my account. Once again USAA fraud department did not contact me via email, phone, or mail to notify me of the fraud activity or that my account is comprised.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I opened a line of credit with Zales Outlet in XXXX. I purchased a piece of jewelry in which I had 18 months to pay off with no interest. Covid hit in XXXX and I paid the remining balance off with my stimulus check. I then received a letter stating I was a week late on paying the balance off and I now owed them the interest charges. I explained that I used my stimulus money to pay the balance and also explained that due to covid I was not working as I work in the entertainment district for the city and the entire city was shut down leaving me with no work. 
I asked to have the amount removed and was told no I could try to come up with something and send it in. I explained I would not have anything and how I sent in my stimulus to pay it off and not have to worry about a balance or the company not being paid at all. 
I now have the interest fee on my credit as a negative balance of XXXX from XXXX XXXX  XXXX. I am not sure if they sold the account to someone or what happened as I have not heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: SC

Complaint narrative:
I applied for a business loan for my company ( XXXX XXXX XXXXXXXX, XXXX ) in 2020 for the amount of {$60000.00}. I had to pay significant fee for this loan as well ~ {$8000.00}. 
This year I wanted to pay it off so I called the loan servicing company - XXXX XXXX to get the Pay-off quote. 
When the documents were sent to me they quoted a pay-off quote of about {$100000.00} with the original loan amount of {$120000.00}. 
I called BHG XXXX, XXXX to question this and they denied that I have to pay this amount and quoted me {$61000.00}. 

I am complaining because I did not give BHG XXXX, XXXX any authorization to get additional loan on my name ( my company 's name ). This is fraud. 
I have been approached by them to re-finance my loan this year but I have declined since I do not want more loan. 

Please advise on how to resolve this and protect my credit. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/XXXX, a sheriff knock on my door and provide me with a Civil Summons to answer to a civil action brought against me by XXXX XXXX XXXX XXXX XXXX about a Credit card balance owned on a Paypal Credit/Synchrony Bank in the amount of {$2800.00} that was open back on March 2016 under my personal information including an old address from which I had moved out on August 2018 to which I did request a change of address at the USPS which they forward any mail that was sent to my previous address to my new address and I never receive any statement or notification from either company about a past due account that I had with then. I did try to explain to the representative from XXXXXXXX XXXX that My personal information including my social security number had been compromised and even though I didn't file a police report about it I did set up a credit monitor that will notify me of any change on my credit including new account, collection account, closed or open account or any other change pertaining to my credit and this account had never showed on my credit report one thing I don't play around is with my credit because I know how important it's is to have good credit and if I had known about this account I would have taken care of it just like I have been taking care of the accounts on my credit report. Looking at the report that was sent to me with the summons including a PayPal credit statement with the last number of that account and it doesn't match the last four numbers of the account that was provided to me by XXXX XXXX XXXX XXXX XXXX, I don't think is fair for a person that a bank just sale the information to a collection agency without notifying the individual or change account number without any notice sent 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 non-monetary relief
Consumer complaint received 2022-08-10 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: NY

Complaint narrative:
As I checked my three credit reports from annualcreditreport.com, on XX/XX/202XXXX XXXX XXXX which is now in collections with XXXX XXXX has reported both accounts ( XXXX, XXXX ) in collections with XXXX and XXXX and not with Equifax. I'm requesting that this inaccuracy be deleted from XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase closed my account and when I called for a reason I was told it was confidential and they can't give me a reason why, even though I am the account holder. My account always had money, I would get direct deposits weekly. I overdraft only once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint after attempting to settle this problem with both the furnisher and the credit agency both seem to be ignoring me. The only company that help me resolve this issue was XXXX, XXXX and Transunion are reporting this unverified account. They failed to respond in a timely manner to my dispute letter time after time, Its been 5 Months. I had reason to question the validity of this account because they are reporting inaccurate dates open and I do not recall ever going into any XXXX company building I asked them kindly to provide me the documents supporting their claims on the alleged debt and also the original date the account was open how ever they failed to do so. Federal law requires the credit agencies to respond within thirty ( 30 ) days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) see 15 USC 41, et seq.

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