vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am doing a loan modification with Bank of America. The trial period ended in XX/XX/XXXX with the permanent modification to start XX/XX/XXXX. BofA made an error in XXXX and took a little to get it resolved so a rep told me ( XX/XX/XXXX ) I had to make another payment in XX/XX/XXXX, which will go to my first permanent payment. I called to schedule the payment XX/XX/XXXX. 
Today I received a letter from BofA telling me to make my first permanent payment XX/XX/XXXX and a payment in XX/XX/XXXX is not required, but if I make it, it will be applied to the end of my loan. 
There is a big difference in " you have to '' and " not required ''. 
I called BofA to ask them to apply the payment to XXXX, but was told no and if I didn't make another payment in XXXX, the modification would be denied. 
I would not have made a payment that was not required.

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 2020-01-13 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: SC

Complaint narrative:
The following accounts does not belong to me and has already been removed from my other credit reports : XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- I have insurance and claims would have been filed with my insurance Experian is reporting outdated inquires on my credit report there were suppose to be removed in 2018 below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loans I have inquires on my report that I did not authorize below : 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 non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
The original mortgage ( Huntington National Bank ) was sold on XX/XX/2004 the lender has sold servicing rights to the loan to another company to service the loan.. Huntington National Bank has not release or transfer the account information to the new servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Initial dispute of Equifax started since XX/XX/XXXX. Dispute sent to your company XX/XX/XXXX. Equifax response was no information found, but somehow I could still pull a report with all the inaccurate information. Second they responded by saying, send in identification documents. This has been done. They responded to your company needing an additional 60 days, then needing until XX/XX/XXXX with a resolution. None of this has happened. They continue to report inaccurate information, use stall tactics. I did resend all the information but its clear, this should have been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
I do not recall all of the dates. However, Ive requested for the last 4-6 months that this company please stop calling my sons phone. 

The persons of interest that are being asked for. ( XXXX XXXX ) Ive informed that I dont know who they are, Ive never heard of them, and I am not them. 

This particular phone call a lot of regulations were broken. I do not know your companies rules. But there are federal, state laws, and regulations and procedures that have to be followed. 

I am fed up with how this call even went. The agent was very rude after I told her that she was calling my XXXX yr olds phone. I didnt appreciate it, at all. Then to question me after I told her that it was my sons phone number. She said I didnt give a yes or no answer. Um, excuse me I pay this phone bill. I clearly said no that wasnt who I was and she continued on. I dont handle business this way. It was completely unprofessional. the agents id number XXXX. 

She went back and forth with me. At this point I have told this company multiple times that it was a XXXX yr olds phone. I asked for her employee Id. She gave it to me, but I needed to get something to write it down. She argued with me that she already gave it to me. 

I then requested a manager XXXX XXXX, which came on the phone. I explained to her, but quite frankly Im sick of my son getting these calls. Secondly, I asked the manager for the agents id number she said she couldnt give that. Now thats a refusal. As a manager how do you refuse that information. I didnt ask for her full name. As matter of fact I do not recall asking for her name. I asked for her id number. 
I do not know what your company is used to dealing with. I know the laws, and I am not stupid. 

I do not want his number on an automated dialer and I didnt want manual calls. 

So, with all of that being said. I will contact an attorney for harassment unless you have something else to offer for a resolution. Making sure his telephone number is off. Was the first resolution. It wasnt taken care of after the first request. So now, you guys can come up with a resolution that is meaningful. 

Have a great evening, Portfolio Recovery Assc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I called this debt collector in hopes to set up a payment plan or to settle for less due to me leaving many messages and never hearing back from anyone. The interest has went up thousands and I called willingly to hopefully resolve the account. The first employee I spoke to was very rude. It started when they assumed that I would have money to pay off the account at tax time in XXXX because Ill get my return and when XXXX expressed that I wouldnt be able to because I havent even gotten my w2 yet, the employee started to say that they know Ill have it, most us companies 90 % sent them out immediately, after me telling them during the series of questions that I was currently unemployed she repeated that to me in an attempt to put me down by sayin you dont even work because I told her that I have never received my w2 in the first week of XXXX and that employers can send it out by XX/XX/XXXX at the latest. I asked to speak to a manager and the manager ( XXXX XXXX or XXXX XXXX ) got in the phone and was even more disrespectful. She talked down to me again, and then she told me I would get no help resolving the account and no help with the interest and hung up on my face even after I advised her that I was recording the call.

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 2020-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
i paid them is full on XX/XX/2019 for XXXX my balance was only XXXX and they saying they didnt get the check but i have a copy of the check barclays cash and they still keep taking my monthly payment for XXXX for which they got paid off.i called over 10 times and they keep telling me they dont have it but the company whom i refinance my house through have a copy of the check they cash.please help me to get my money they now owe me for paying more than what my balance was.

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 2020-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I have told comenity bank to quit calling me numerous times the last being XX/XX/XXXX at XXXX XXXX. They have called numberous times from several different numbers and have left messages that if I do not call back they will seek legal action. they have also tracked down my ex wifes number ( never on the loan or account ) and supplied her with financial information. this bank never sent me an account number, credit card, or even statements to pay. I have attempted to contact them back multiple times to reach a settlement and I am always transferred to a " automated voice messaging system ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
My credit report says late XX/XX/2019. This has caused me to be denied a mortgage and to refi my loans to pay off my debt. I had my account setup for automatic payments. Please I need my 30 days late update to never late for XX/XX/2019. Please may god bless you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: WA

Complaint narrative:
On XX/XX/20, {$140.00} was debited from my checking account and sent to Dynamic Recovery Solutions, a subcontractor of XXXX XXXX. On XX/XX/20 I received a confirmation letter in the mail that the debt was NOW settled. Well, today I called to see when they were to be removed from my credit report, and they denied that payment ever happened! My bank confirms that the transfer went through. Someone is a liar. Money doesn't just disappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I've tried many times to settle debts with Rash Curtis and Associates but they will not settle for any amount and continue to report negatively to my credit monthly. I ask to settle the acts reporting on my credit in XX/XX/2019 but they will only settle all debts including outdated debts from over 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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
Consumer complaint received 2020-01-13 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: NJ

Complaint narrative:
My credit report says late XX/XX/2019. This has caused me to be denied a mortgage and to refi my loans to pay off my debt. I had my account setup for automatic payments. Please I need my 30 days late update to never late for XX/XX/2019. Please may god bless 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 2020-01-13 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: NJ

Complaint narrative:
My credit report says late XX/XX/2019. This has caused me to be denied a mortgage and to refi my loans to pay off my debt. I had my account setup for automatic payments. Please I need my 30 days late update to never late for XX/XX/2019. Please may god bless you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: NJ

Complaint narrative:
My credit report says late XX/XX/2019. This has caused me to be denied a mortgage and to refi my loans to pay off my debt. I had my account setup for automatic payments. Please I need my 30 days late update to never late for XX/XX/2019. Please may god bless 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 2020-01-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a credit card with Bank of America for nearly 14 years and never missed a single payment on the card. Mostly, because it was on auto-pay. I had to close my checking account for fraud and opened a new account with a new financial institution. 

I called BOA 3 times to give them the new account information for the Auto Pay and they never updated it. I also advised them to cancel auto pay but they did not. I made the payments that were required in the local branch ; however the auto payments that they attempted bounced back. 

This caused them to close the card. I attempted to resolve the issue with them last summer but ultimately gave up. Since the card was closed I was no longer getting any notifications or emails or phone calls from them and I was not receiving my statements due to my identity theft. I advised them of this. In XXXX of this year, they reported me late to the credit bureaus but they did not call me or advised me that I was late in making a payment and in fact I had called them several times to attempt to pay over the phone but they STILL did not have my updated checking account information on file, and they wouldn't give an option to pay with a debit card. I spoke to someone in their customer service department and they advised me they would remove the late payment but it is still showing.

This has caused my credit score to drop over 100 points. Please help me!!!!!!

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 2020-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Back in XXXX of 2019 Sychrony bank lowered my Credit limit for no reason. I had a {$4500.00} limit and they decreased it to {$1300.00} which was {$10.00} above my balance. I contacted Sychrony bank and they sent me a letter that stated My revolving balances where to high. ( These balances have only decreased from the time I got the limit increase ) My real estate balances are to high ( I just purchased my home and this is the reason I got this card ) I spoke with Sychrony on a few occasions where no one was able to tell me anything but read my letter and we will review and call you back. I never received a call back so I decided to file a XXXX XXXX XXXX complaint. With this complaint I asked for my credit limit to be put back to what it was. They wouldnt respond to the XXXX  complaint and said they mailed me the response for my privacy. The letter I received was only the same letter I received from them when they lowered my limit. This action by them dropped my credit score by near 40 points. Today I receive a letter notifying me they have closed out my account. The letter states the same reasons as before and yet my credit cards have been doing nothing but decreasing in balance as well as my home loan. I have not missed a single payment on any card I have in many years including Sychrony bank card. So I called to find out what the deal was. I spoke to a account manager by  the name XXXX and she had no info at all. First she tried to tell me this is a new thing they are doing where they inspect your credit report Quarterly and my score must have dropped. The only reason my score has dropped is because what they did to me in the first place dropping my limit to 99 % utilization. So now they have negatively effected my credit yet again by closing a account that I have never missed a payment or even been late on. I feel this has been done maliciously because I filed a XXXX  complaint against this company.

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 2020-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have applied for two travel credit cards at Chase bank, United Club & Marriott Bonvoy XXXX on XXXX XXXX, XXXX. On XX/XX/XXXX I was sent letters that i was not approved for the credit cards ... I applied for these two credits cards because I love the benefits the cards offer, such as free checked bags on the first & second for the United Club and the Free Night Award on the Marriott   Bonvoy XXXX. Not only do I enjoy the benefits of the cards, as a small business owner I need to travel abroad often to visit my brokers  & customers  & gain/build new networks  for commerce. Not only will these two cards help me personally and my business, but it will create business and a stronger relationship with Chase Bank. This will provide value for Chase bank and may allow me to borrow money in the future and pay Chase bank more interest. Not only will this create more value & money for Chase Bank ; my credit report clearly shows I am a responsible person who knows how to be financially independent. My score being above average, I have seven years of credit, very low credit usage, zero late payments, zero derogatory remarks, zero collections, and only two hard inquiries. The few credentials I have provided is enough to establish that I am financially responsible and will be able to responsibly mange two more revolving accounts with Chase Bank. My credit report and the growth of my business and other personal assets should provide proof I can manage my debt responsibly, afford more credit and have the capital to pay off future debt on time and in full as I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my XXXX XXXX Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX APT XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX THESE NUMBERS DON NOT BELONG TO ME PLEASE DELETE : ( 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 non-monetary relief
Consumer complaint received 2020-01-13 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: Johnson Mark LLC
State: OR

Complaint narrative:
On XXXX XXXX, & XXXX of 2018 Approximately {$6000.00} of charges were made fraudulently on my XXXX XXXX XXXX card. Those charges were made in XXXX XXXX, CA. 
At that time I was in North Carolina and have bank statements and flight tickets to prove it. XXXX XXXX has denied 3 fraud claim attempts and refuses to restore my account. My credit has been absolutely devastated in the meantime. I followed all of their fraud guideline requests including : Providing current bank statements, Providing a digital scan of the front and back of my driver 's liscense Providing social security card They will not listen and refuse to address the fraud!

Company response to consumer: Closed with explanation