vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
This nightmare happened when I got locked out of my online account. I believe something is wrong with the site, because the security questions did not allow me to gain access, And I know I answered some of them right. But still didn't allow me to gain access. 

So after a number of attempts the site automatically locks you out, and tell you to call the company and you have to speak with agent to have them reset the account. 

I have been calling BSI since monday, leaving messages, e-mails multiple times a day and I get no call back, no e-mails. 

BSI uses the same number for everything ... .For example, I found a number on their website for " Sales '' XXXX it sends you to the same dead-end phone tree. 

Now, I must mail the payment over. I do not like to send my payment through the mail : 1 ) I don't own checks so I have to pay for a money order 2 ) I have to spend time , drive wait in line at the post office 3 ) Pay a higher fee so that the check can reach them on time They said if they don't get the check before the XXXX I will be charged with a late fee? 
how can that be fair that they can charge that? I am trying to gain access to my account ... .they have the power to unlock the account, but nobody is working. 

Also no real indication on what they are doing through the crisis. Nothing telling the customers about the lack of resources ... or other options to pay, If you want to pay over the phone it sends you to the same dead phone tree.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Associates
State: VA

Complaint narrative:
1 ) XX/XX/XXXX responded to allegations from Piedmont Credit & Collection Services, XXXX XXXX XXXX, XXXX VA with Notice of First and Final Warning, requesting, in part, they cease all communications with me, and a Notice of Final Payment for the alleged account along with a money order. 

2 ) In a letter dated XX/XX/XXXX Piedmont Credit & Collection Services declined my offer and returned the money order stating they would cease further communications with me regarding this account ( see attachment ). 

3 ) Contacted again by phone in XXXX XXXX by Acct Rep. XXXX XXXX regarding a collection. Requested she mail it to me to look over. Same collection notice as before. Responded with a copy of their XX/XX/XXXX letter and again requested they cease contact. 

4 ) Contacted by phone or about XX/XX/XXXX by unknown acct. rep. who stated she had been trying to get in contact with me. Noticed she stated bills were from XXXX. I was confused and asked her to mail it to me to look over. Then I questioned her about the dates and started to write them down, but she suggested just mailing them. Received letter postmarked XX/XX/XXXX with same account, same dates but with with higher amounts and a newer one added. 

5 ) Responded XX/XX/XXXX explaining everything once again and requesting they cease all communication with me. 

6 ) Over six years of periodic contact after stating they would not contact me..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have used this company for about 3 yrs. I have had new cards from them several times due to my card either being lost or stolen. My stimulus impact payment was sent to one of my old cards and it is not connected to my new card acct. I have tried calling and I can't get through fir the last 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Planet Home lending will not allow me to pay online because we were granted forebearance and they blocked this feature. We would like to keep current as we receive some rents, however after an hour on the phone with Planet Home Lending, we can not make a payment. WHY ARE PAYMENTS BEING BLOCKED ONLINE? 

Also, they refuse to authorize me, despite my husband sending in the signed authorization 3 times. We have proof of this. Now they say the signature doesnt match, they never advised us if this over the last 6 months we have been sending the authorization in, despite having my husband on the phone today telling them it is his signature. He is working and now has to deal with this because of their mismanagement. Why didnt they let him know his authorization form was denied? No communication. Terrible company, terrible servicing, very incompetent. 

The forebearance department transferred me to the payment department, and the payment department said they can not take the payment and want to transfer me back to the forebearance department. 
IT HAD BEEN 60 MINUTES MOSTLY ON HOLD AND I STILL CANT MAKE A PAYMENT. 
Loan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Admin Recovery, LLC
State: MA

Complaint narrative:
Company called my cell phone which I did not answer. Immediately they called the house phone where I am staying with family. It is not my house or my phone line. Called twice that went unanswered. Back to back. Immediately called again and call was answered and hung up. They immediately called back and were told not to call that number. They immediately called back again and after I told them they had just repeatedly called multiple times they didnt call back.

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 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Trying to link my bank account to my employers reimbursement system so I can get paid for expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I have called multiple times and attempted to get escrow amount corrected. I have a homestead on my house that clearly shows the discounted amount, but Lakeview has continued to give me the runaround.

I have been calling for two weeks after uploading the documents they requested. After getting off the phone today and told they are still working on it, I received am email ( ref XXXX ) told that they cant adjust until the end of the year. 

This means they expect me to pay over $ 100 month extra unnecessarily. I am in the middle of a refinance and do not want this affecting me because Lakeview refuses to get account corrected in a timely fashion per FCRA. 

I have made several attempts to get this resolved so I can make this months payment with nothing happening.

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 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
1. Consumer covered veteran ; Experian XXXX, Experian Solutions, Experian XXXX XXXX  ( hereafter Experian ) is a business entity that regularly conducts business in the State of Ohio and XXXX XXXX California. 

2. CRA engaged in pattern of practice of Mixing Consumers Credit Report and Reporting False Accounts violated Fair Credit Reporting Act ( hereinafter the FCRA ), 15 U.S.C. XXXX, et seq for {$150000.00}. 

3. Experian acquired XXXX XXXX who admitted to selling, aggregated, repackaged and distributed consumer information since acquisition in 2011. Acting furtherance in bodily harm to consumer Experian continuance in reporting to potential employers, other entities and credit grantors ; the fraudulent account. 

4.Despite consumer communications both oral and legal, Experian has nonetheless deliberately, willfully, intentionally, recklessly and negligently repeatedly failed to perform reasonable reinvestigations of the above disputes as required by the FCRA ; ( 1 ) failure to remove the inaccurate information timely and ( 2 )  disclose the results of its reinvestigations in writing to the consumer. 

5. Experian has repeatedly published and disseminated consumer reports to bankers, potential employers from at least XX/XX/2011 through the present reasonably believe the information was true but knowingly false. 
6.Experian continuance in false or inaccurate credit reporting of consumer information negatively reflected upon began since 2011 to date that do not belong to consumer ; resulted from or due to Experian faulty procedures, that mixed the credit files of consumer and that of another consumer with respect to the inaccurate information and other personal identifying information. 
7. At all times pertinent hereto, Experians successors conduct, was acting by and through its agents, servants and/or employees who were acting within the course and scope of their agency or employment, policies, practices, rules, regulations and under the direct supervision and control of the ( CRA ) board members and General Counsel herein 8. At all times pertinent hereto, the conduct of Experian and agents, servants and/or employees, was malicious, intentional, willful, reckless and shown gross negligent disregard for federal and state laws and consumer protected rights to date.

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 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, WI XXXX A week ago, at XXXXclock to XXXX clock at night. I mistake my old credit card as my debt card to deposit money for more then 900 less than 1000 to the ATM. the ATM screen show exact same as you put the debit card in to the machine. I thought I use the right card until I try to print a receipt. The screen shows invalid card. My money is eaten by the machine. So I wait tomorrow morning to the branch bank. The people work there doesn't help and have bad attitude. They told me you have to call the credit card number because you deposit money in your credit card. Then my questions are 1.ATM is in the branch bank, so US bank is not related to the US bank ? 
2. My intention is to deposit in my debt card. The money is eaten, Credit card is invalid. 
How could just call the credit card number to solve the problem. 
3.How often is the ATM got checked. There are extra money there. Who is gon na have those extra money. 
I call the credit card number, they tell me to talk to the branch bank. I am so confused, after a few phone call. There is someone really nice to help me claim a file and told me they will investigate in 45 days and tell me the result. After left a review on XXXX. US bank try to contact with me. And someone told me I will get about 900 dollars as credit in ten days, but After ten days, my bank account doesn't show those amount, so I call them again, they told me the amount got denied. I feel like some people work there is not well trained or the system is not good enough. Could you help me get the money back. This money is for my tuition in fall.

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 2020-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I paid my full credit card balance on XX/XX/2020. When I pulled my credit report in XX/XX/2020, it was still reflecting that I have a balance of {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: TX

Complaint narrative:
On XX/XX/2020 I purchased a mattress and box springs set through XXXX XXXX XXXX. I financed my purchase through Klarna/XXXX XXXX. I was promised - which I have photographs of - an APR of 9.99 % for 2 years which was a promotional rate specific for XXXX customers and a XXXX $ monthly payment. I received my first bill and they changed the APR to 0 interest if paid by XX/XX/2020 and a 19.99 % APR if the balance was not paid in full by then. I have contacted customer service via email and phone. I was told send in the photos I took of the promotion I was offered - and I did - but I have not received a response and my account has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent all required information into all 3 credit reporting agencies ... .XXXX  is the only bureau that followed Section 605B of the FCRA  ... ... XXXX IS STILL REPORTING 2 FRAUDULENT ACCOUNTS : XXXX, XXXX # XXXX {$2300.00} XXXX XXXX ( XXXX ) # XXXX {$840.00} AND 2 INQUIRIES : XXXX/XXXX  XX/XX/2019 AND XXXX XXXX  XX/XX/2019 TRANSUNION CONTINUES TO REPORT 1 FRAUDLENT ACCOUNT : XXXX XXXX  ( XXXX  ) # XXXX {$2300.00} notice how 2 of the accounts have the same account number but different creditor names ... .these accounts are fraudulent ... ..I will attach the original ID THEFT AFFIDAVIT that was submitted and the 3 report comparison and you can see the major discrepancies ....

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 2020-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a charge off on my credit report for XXXX XXXX XXXX  with a balance of {$8600.00}. I don't believe this is my account and have no knowledge of 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 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Earlier before today, l had told American Express that because of the COVID-19 emergency disaster and declaration on-going that l will not be able to commit to pay them any money unless l have it. The declaration also calls for non-collection, non late payment reporting to the credit bureaus and for creditors to follow " Fair Credit Reporting '' this time around. l hope this my assumptions are correct because as a business and a person, that is all l heard. 

But today, unfortunately it just came to my attention my credit file contained a collection account from a third party business called XXXX on behalf of American Express. In the conversation, it sounded like American Express deceived this collection agency and gave them my business account balance and told them it was my personal credit card account when indeed l never had or had long ceased to have a personal credit card with American Express. Talking to one Mr. XXXX, he imposed on me that the account in question is my personal credit that l owed American Express. His lies are so bare that he jumped from talking to me to wanting to talk to my nephew XXXX who lives in XXXX and XXXX XXXX, my XXXX  who lives in Indiana. 

Initially l thought l was dealing with a legitimate company but when the callers started mentioning XXXX and XXXX, l knew it was a desperate an intimidation strategy. Mr. XXXX if residing in the US, needs to be deported back to his country of emigration or be put in jail for saying he was calling me about my personal credit account with American Express and still wants to talk to the two individuals l mentioned. My also also has told me they called here cell phone looking for me and both XXXX and XXXX. Anyone in this country with an ounce of sense should understand the meaning of privacy. For how can you try to reach anyone for my personal account. 

l did quickly realize that l was talking to a buffoon when he raised his voice and kept threatening me withe balance which l did not originate as a personal account. This complain is made against American Express and XXXX XXXX agency. What a thuggery of an outfit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
My mortgage got transferred to loancare- have emailed, called and emailed again trying to set up a biweekly payment which was initiated with the previous servicer XXXX, they dont email, dont call and closed my inquiry via email without an option to reply to the message - they are deplorable and wish we had the right to choose servicers

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 2020-05-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Credit inquires I don't recognize

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 2020-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Awar Holding Inc.
State: NJ

Complaint narrative:
In 2014 I was injured in two car accidents one in XX/XX/XXXX of 2014 and the other XX/XX/2014. In XXXX of 2014 I received a notice the debt was not paid however the amount of the debt was incorrect. I advised the representative the debt was paid under my policy with XXXX XXXX under my claim number. I was advised the debt was not paid. I continued to receive harassing calls every week to collect the debt. I advised the representative the debt would be paid from my settlement. I contacted a representative who advised the debt was not paid. I made a final attempt to settle the debt and I was advised I would need to make a payment in full. I advised after Covid 19 I would be unable to pay the full amount the representative stated there is nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit inquires I don't recognize

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 2020-05-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Credit inquires I don't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a charge off on my credit report for XXXX XXXX XXXX  with a balance of {$8600.00}. I don't believe this is my account and have no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: MD

Complaint narrative:
I have a charge off on my credit report for XXXX XXXX XXXX with a balance of {$8600.00}. I don't believe this is my account and have no knowledge of 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