vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/XXXX tried to use debit card at store at XXXXXXXX XXXX XXXX  at XXXX XXXX  Debit card declined. Went to ATM inside Bank of America branch at XXXX XXXX  to get cash and transaction declined Called customer service at XXXX XXXX  to inquire about what the problem was with my debit card and was told fraud was made on my debit card and placed on hold for 2 hours to speak with fraud department and was disconnected from the call after waiting hours to speak to someone. 
XX/XX/XXXX XXXX XXXX  called back to resolve this issue and again was told that fraud was on my debit card and again transferred to fraud department and places on hold for about almost 3 hours and no answer. Tried to use debit card app and Bank of America app and was denied access called the number on back of debit card at XXXX XXXX  after entering the card number automated system says my debit card is closed. Called customer service a third time and requested to speak to a supervisor or manager and again placed on hold for hours no response.

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 2020-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXXXXXX  XXXX XXXX XXXX, GA XXXX -or- XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX -or- XXXX  Fraud Victim  Assistance Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Accounts : DISCOVER BANK XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: WA

Complaint narrative:
Dear CBPB, XXXX  XXXX XXXX, which was my original lender for my FHA loan ( XX/XX/XXXX ) granted me a temporary mortgage modification after I had been laid off in XX/XX/XXXX. 
I had been able to make regular payments on my mortgage at the modified rate for almost 2 years. 
The loan was sold to XXXX XXXX XXXX XXXX, again as an FHA Loan, in XX/XX/XXXX. After working with them on a loan modification they refused to cash the mortgage checks and returned them. 
When I asked about this they insisted that I not make payments while the modification was underway. The initial request for a modification with XXXX XXXX XXXX XXXX  was denied, by which time my circumstances had improved somewhat with my self owned business beginning to pay better. 
I reapplied, and while in the middle of that application process, the mortgage was sold to XXXX XXXX  in XX/XX/XXXX. This time the loan was converted to a conventional mortgage. 
Starting all over again with XXXX XXXX, they too insisted on not accepting partial payments while a modification was underway. While trying to work with them the loan was sold to XXXX XXXX XXXX in XX/XX/XXXX. 
Most recently the loan was sold to BSI Financial Services in XX/XX/XXXX. 
I am now with our fifth mortgage service company. The payments remain unpaid due to BSI refusing to honor the original loan modification or any payment that isn't the full amount past due owing, approximately according to BSI, {$170000.00}. 
Having already gone into default on this loan, and being in foreclosure is causing XXXX  and XXXX   within the family. 
I do not want to end up homeless despite our best efforts to work with the numerous mortgage companies. 
I want to remain in the house and retain possession of our home. I look forward to your prompt review and resolution in our favor. 
Please let me know if I can provide any more information that will assist in your decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I tried linking my banking account with XXXX a cryptocurrency platform and my connection was blocked. I haven't called the bank to settle this yet but I wanted to file this here. This was done today. Earlier the bank called because they had blocked a transaction of purchase and they asked if it was me and I let them know. They should have allowed this connection to go through already. I would just like to figure out why does this continue to get blocked with they had talked to me earlier. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I submitted a dispute to Transunion advising I had " no contract with company '' and requested they provide a original signed contract with my name and signature. I received a email stating accounts were " verified and updated '' when I spoke to XXXX at Transunion on XX/XX/2020 she advised they did not have a original signed contract on file to prove the debit belonged to me.Representative also, advised they do not have a bill of anything on file to prove debit belongs to. I advised that I requested in my dispute for them to provide this information for debt in question. I aslo reached out to both agency requested a bill or contract to prove debt belongs to me with no reply.

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Upon checking my credit report, I have found that Portfolio Recovery has made unauthorized soft inquires on my credit. They are as follows : Per XXXX, Portfolio Recovery made soft credit inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Per XXXX, Portfolio Recovery inquired on XX/XX/XXXX. 

I was in collections through them for an account, but the statute of limitations ended in XXXX. Since that time they have neither contacted me via phone or mail. Their contact information is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: CA

Complaint narrative:
I have tried for over the past two weeks to get Experian and XXXX  to correct an error of my credit report. I settled a debt with a collection agency. The collection agency sign a settlement agreement and sent documentation that explicitly stated the account has been paid in full and there is no balance due. The account is to be deleted from my Experian and XXXX  credit reports. Instead of these two agencies deleting the account from my credit profile, the balance was adjusted reflecting the settlement payment and leaving a remaining balance due. I have spoken repeatedly with representatives from both agencies and have not gotten any results. I do not understand why these agencies refuse to comply with the wishes of a creditor. The creditor has settled my account and approves deletion, yet the credit reporting agencies have refused to comply. This is very stressful and these agencies are not willing to assist in correcting this matter.

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 2020-05-28 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: FL

Complaint narrative:
I am a Victim of Identity Theft someone Open an account using my personal Information without my Authorization this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: FL

Complaint narrative:
I am a Victim of Identity Theft someone Open an account using my personal Information without my Authorization this is fraud

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 2020-05-28 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: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/XXXX I received a letter from AES for me not to pay my student loan because of a new law sign by the president, due COVID 19, my interests will not gain any more, and my account will freeze. Because AES didn't communicate with the credit bureaus, all three of them XXXX, XXXX  and XXXX, my credit score went down drastically ruined my so hard to keep score. Its shows in my credit like if I haven't pay for my loan voluntarily. This need to be addressed immediately. The points the credit bureaus removed from my credit need to put back right away so I can keep on going with my normal life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This complaint requests that PHH Mortgage Services be compelled to credit my mortgage loan account, without further delay, the sum of {$5000.00} earned and creditable in the 6th year anniversary of HAMP modification as a performance incentive, which in my case was due on or about XX/XX/XXXX. 
OCWEN, the parent company of PHH and the servicing predecessor, did not credit the incentive as it was supposed to. Rather, on the eve of the due date, OCWEN transferred the loan to its subsidiary -- -PHH . 
PHH in turn denied the incentive alleging delinquency of over 90 days. However, I contested the allegation because I placed my loan on automatic payment after the loan modification and had no notice of any payment not being received. Following investigations, PHH finally determined that the denial was erroneous and apologized. 
But rather than take responsibility for its and its parent errors and credit my account, PHH chose to further postpone the crediting 2-3 months out, allegedly pending its report to US Treasury Department per its letter dated XX/XX/XXXX. PHH should not be allowed to hold me hostage for its errors even as it continues to charge me interest on the {$5000.00} principal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I purchased my vacation from XXXX on XXXX2019 for {$3700.00} and paid in full with my Citi Simplicity Mastercard. I attempted to contace XXXX on XX/XX/XXXX and several times after through phone calls and emails. They posted a letter on their website saying they cancelled all trips ( hotels and airfare ) and wouldn't be processing any refunds and to contact your bank, which I did. I have proof that they cancelled my flights on XXXX  without my permission and refunded the money to XXXX. I also have proof that XXXX never paid my hotel. On XX/XX/XXXX I filed my dispute for services not rendered. On XX/XX/XXXX the dispute was denied because of a {$50.00} credit I had received. New amount sent and many documents as evidence in my claim. XXXX had until XX/XX/XXXX to respond. On XX/XX/XXXX they responded to Citi saying they didn't agree with the chargeback. I still haven't gotten details other than a phone call to the dispute department today. ( XX/XX/XXXX ) It is very well known what this company has done in the travel industry as well as the banks. Every other bank has seemed to have success getting their customer 's money refunded. I am a part of a closed group of over 2,000 customers that have been robbed by XXXX. Overwhelmingly XXXX has given permanent refunds. Citi has given 2, only 2 permanent refunds. Citi should be fighting and getting permanent refunds for their customers.

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 2020-05-28 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: MI

Complaint narrative:
To XXXX XXXX. I am writing this inquiry to dispute account with XXXX XXXX that is being report on my credit report as delinquent. The account involves a vehicle that was leased, and I was the co-signer. I do not refute being a co-signer on the lease and bear responsibility for the contract. My issue is Im being held responsible for a situation that I had no knowledge was occurring, and I was never notified by XXXX XXXX the account was delinquent. I have now learned the following information from contacting XXXX XXXX. During the lease period the borrower developed a pattern of delinquent payments. While this was occurring XXXX XXXX at no time contacted me by letter, phone or email to notify me of the situation. By not informing me, I believe XXXX XXXX is negligent in their duty to me as a co-signer. During this time I was also a loyal customer with XXXX XXXX in good standing. The borrower turned the vehicle in early and again I was not notified by XXXX XXXX of this situation. Information provided to me from XXXX XXXX advised they and the borrower entered into a separate agreement on payment plan to satisfy the lease. Once they agreed to the new terms on the contract, which I did not agree to, I believe I should be dislodged from any obligation or consequences of the transaction. Given there is a payment plan which will compensate XXXX XXXX, my credit score is being unfairly impacted given XXXX XXXX being made whole on the transaction. To this day I have never been contacted by XXXX XXXX   about the status of this account, and did not learn about it until I attempted to apply for credit. 
I was a loyal customer to XXXX XXXX, but I believe they are acting in bad faith by negatively impacting my credit without involving me in remediation of the credit 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 2020-05-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
To XXXX XXXX. I am writing this inquiry to dispute account with XXXX XXXX that is being report on my credit report as delinquent. The account involves a vehicle that was leased, and I was the co-signer. I do not refute being a co-signer on the lease and bear responsibility for the contract. My issue is Im being held responsible for a situation that I had no knowledge was occurring, and I was never notified by XXXX XXXX the account was delinquent. I have now learned the following information from contacting XXXX XXXX. During the lease period the borrower developed a pattern of delinquent payments. While this was occurring XXXX XXXX at no time contacted me by letter, phone or email to notify me of the situation. By not informing me, I believe XXXX XXXX is negligent in their duty to me as a co-signer. During this time I was also a loyal customer with XXXX XXXX in good standing. The borrower turned the vehicle in early and again I was not notified by XXXX XXXX of this situation. Information provided to me from XXXX XXXX advised they and the borrower entered into a separate agreement on payment plan to satisfy the lease. Once they agreed to the new terms on the contract, which I did not agree to, I believe I should be dislodged from any obligation or consequences of the transaction. Given there is a payment plan which will compensate XXXX XXXX, my credit score is being unfairly impacted given XXXX XXXX being made whole on the transaction. To this day I have never been contacted by XXXX XXXX   about the status of this account, and did not learn about it until I attempted to apply for credit. 
I was a loyal customer to XXXX XXXX, but I believe they are acting in bad faith by negatively impacting my credit without involving me in remediation of the credit issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: MI

Complaint narrative:
To XXXX XXXX. I am writing this inquiry to dispute account with XXXX XXXX that is being report on my credit report as delinquent. The account involves a vehicle that was leased, and I was the co-signer. I do not refute being a co-signer on the lease and bear responsibility for the contract. My issue is Im being held responsible for a situation that I had no knowledge was occurring, and I was never notified by XXXX XXXX the account was delinquent. I have now learned the following information from contacting XXXX XXXX. During the lease period the borrower developed a pattern of delinquent payments. While this was occurring XXXX XXXX at no time contacted me by letter, phone or email to notify me of the situation. By not informing me, I believe XXXX XXXX is negligent in their duty to me as a co-signer. During this time I was also a loyal customer with XXXX XXXX in good standing. The borrower turned the vehicle in early and again I was not notified by XXXX XXXX of this situation. Information provided to me from XXXX XXXX advised they and the borrower entered into a separate agreement on payment plan to satisfy the lease. Once they agreed to the new terms on the contract, which I did not agree to, I believe I should be dislodged from any obligation or consequences of the transaction. Given there is a payment plan which will compensate XXXX XXXX, my credit score is being unfairly impacted given XXXX XXXX being made whole on the transaction. To this day I have never been contacted by XXXX XXXX   about the status of this account, and did not learn about it until I attempted to apply for credit. 
I was a loyal customer to XXXX XXXX, but I believe they are acting in bad faith by negatively impacting my credit without involving me in remediation of the credit 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