vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received notification of a shortfall in my escrow. In XXXX I made my regular payment ( or thou I thought ) I made two payments for the shortfall and my regular payment. My bill comes for XXXX and it is not adjusted. I call and I am on hold for 30 minutes and disconnected. I call again and was told I was being transferred and would not be placed on hold and put on hold for another 40 minutes. Finally I am talking to a representative of the bank and they say they can't tell me the exact amount owed for my payment. It will take 3 days for the back office to recalculate to include the escrow and then I have to call back and find out the payment. If these banks using the current technology can't tell me what my payment is how am I suppose to avoid late fees. This waiting on on the phone for hours is not acceptable. I am paying for a service and if they cant provide me with the service they need to pay me for the time I am sitting on hold.

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 2020-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have an unauthorized inquiry on my credit from Chrysler Capital. I demand to know the name of the individual that submitted this fraudulent inquiry into my credit so that I can refer them to the local police for prosecution. This inquiry is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  is reporting an illegal inquiry on my Experian credit report. 

XXXXnquiry has no permissible cause, no loan or credit has been awarded. This a violation of FCRA rules section 1681.

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 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I have not received validation or verification of this debt.

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 2020-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
This is XXXX XXXX. My Social Security number is XXXX. On XX/XX/XXXX, I checked my credit reports generated by XXXX XXXX and XXXXXXXX and discovered that I owed {$57.00} to a collection agency called CMRE Financial Services. I also discovered that CMRE had reported this amount as delinquent to the credit bureaus. I contacted CMRE by phone and was informed that a company called XXXX ( a provider of ambulance services ) had charged me {$56.00} for date of service XX/XX/XXXX. I explained to the customer service representative with CMRE that I never received a bill from XXXX nor from CMRE. When I asked CMRE to verify my mailing address, it was wrong in their system ( and, of course, wrong in XXXX 's system ) -- that is why I never received a bill from CMRE or XXXX, and why the debt was reported as delinquent to the credit bureaus. I should also mention that I was not contacted by phone or e-mail by CMRE or XXXX. My mailing ( and home ) address at the time was XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX. In CMRE 's system, there was a typo in my address, as follows : XXXX XXXX XXXX XXXX, XXXX XXXX. 

On XX/XX/XXXX, I paid CMRE the {$56.00} using a Visa credit card. The payment is listed as made via XXXX XXXX XXXX. 

( For the record, my current mailing address [ as of XXXX, XXXX ] is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. My current home address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ) Because XXXX and CMRE had an incorrect mailing address for me, which resulted in my never receiving the bill, and as neither XXXX nor CMRE phoned or e-mailed me to make me aware of the bill, I strongly believe that the delinquency which thus came about, and which was reported to the credit bureaus, should be removed from my credit reports with XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: TX

Complaint narrative:
On XX/XX/2020, I used XXXX to shop for a 30-year conventional mortgage to refinance my home loan. The best rate quote from the site came from Wyndham Capital Mortgage , Inc., with a quote of 3.0 %. A screen print of the quote has been uploaded. After taking the time to provide all of the requested documentation for a loan application ( including my spouse ), I was provided no means with which to lock this interest rate. I was provided with an electronic packet of initial loan disclosures on 7/22/2020. This packet has also been uploaded. The Loan Estimate ( page 21 ) indicates an interest rate of 6 %, which is double the amount of the rate quote on XXXX. After seeing this, I attempted to call XXXX XXXX, the assigned Wyndham contact person, but was unsuccessful because her name could not be found on the automated phone directory. I also sent XXXX an email asking why the Loan Estimate contained a XXXX XXXX interest rate, while being quoted a rate of XXXX XXXX. I received no response from this person. I was asked to e-sign certain pages of the disclosure packet, but refused to do so based on the interest rate discrepancy. I indicated in the e-sign system ( DocuSign ) why I refused to sign the disclosures. I feel Wyndham Capital Mortgage has been unfair and deceptive throughout this process. My wife and I have credit scores approaching XXXX, low debt-to-income, and substantial equity in our home, so I am confident we would have qualified for the lowest rate offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: IL

Complaint narrative:
I applied for a 30-year mortgage refinance with Better Mortgage  Corporation on or about XX/XX/2020. Was notified by the company of a pre-approval with a rate lock of 2.75 % and provided a GFE for closing costs. I was informed by the company that an onsite property appraisal was not necessary and I would be receiving a waiver but my credit card was charged {$550.00}. 

I provided all loan application documentation requested via either upload to the Better.com website or email, nearly all of it within 72 hours of application date. Subsequently informed by the company that the loan was in underwriting. I then received 2-3 adjustments to the original GFE with significantly higher closing cost estimates based on bogus property tax figures. I made the company aware of this and requested a corrected GFE. This has not been provided and I am no longer receiving communication or return phone calls from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
We lived in the XXXX at XXXX XXXX from XXXX XXXX XXXX. At around XXXX or XXXX of XXXX we could tell there was a change in management. We were waiting for our written notice for renewing our lease, in order to tell them we will not be renewing, but this notice never happened. In the past this notice was sent back around XXXX or XXXX for us. The purpose of including this is to show how disorganized they were. My husband decided to contact them at the end of XXXX to end our lease. Of course due to rising XXXX concerns, they were no longer in office. It took us a week of leaving voicemails to get ahold of them. My husband explained the situation that we will not be renewing our lease and when can we leave by to not have a charge. The company told us we could leave by XX/XX/XXXX, and that our balance would just be the remaining rent for that XXXX balance, which was around {$400.00}. We agreed on these terms, paid our balance and moved our. A month later we received a bill from them of {$900.00}. We had no idea what we were getting charged for so much husband tried to contact them. Again no one was in the office so we got no call back from all the voicemails left. After I sent an email we got a call back stating that the balance was from us leaving early. This was not something that was stated to us as they agreed we could leave XX/XX/XXXX with no debt owed but the {$400.00}. The company said they would call us back the next day to solve our issue. This call never happened, and in fact they ignored all our calls and emails to dispute this and within a few weeks sent this to collections. I now have a hit on my credit due to this and the company refuses to fix our issue. We are asking if we could please solve this so I could get it removed thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: FL

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 Free Annual Credit Report, 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 XXXX 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 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
I submitted a written request to close my account to Elan VISA on XX/XX/2020 using Elan 's web portal I '' secure message '' ) communication facility. My account has a XXXX balance and I have placed a lock on the account so no more charges accrue to the account. 

The company insists that I have to speak to someone. I have received a couple of voice mails from the " Office of the President '' requesting I call them back. 

I do not wish to engage in a phone dialog. I simply want my account closed based on my written notice and that has not happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I WANTED TO OPEN CREDIT CARD IN XX/XX/XXXX, BUT, BECAUSE I DIDN'T HAVE A SOCIAL SECURITY NUMBER YET, THE BANK OF AMERICA COULD ONLY OPEN A SECURED CREDIT CARD FOR ME IN THEIR XXXX XXXX XXXX XXXX NEW JERSEY BRANCH IN XX/XX/XXXX, I DEPOSITED {$1000.00}, THEREAFTER MADE ADDITIONAL TRANSFERS TO THE SECURED CREDIT CARD ACCOUNT. 

I DECIDED TO CLOSE THE ACCOUNT AND CALLED THE BANK TO DO SO, I WAS TOLD THEY'D DEDUCT THE CURRENT BALANCE OF {$75.00} AND SEND ME THE REST OF MY SECURITY DEPOSIT. 

ACCOUNT WAS CLOSED ON XX/XX/XXXX. 

BECAUSE I HAD LEFT THE NEW JERSEY ADDRESS ON FILE, I REQUESTED A CHANGE OF ADDRESS AND WAS REASSURED THAT WAS DONE AND THAT I WOULD RECEIVE MY CHECK IN THE MAIL WITHIN 21 BUSINESS DAYS. 

AT THE EXPIRATION OF THE GIVEN DAY, I CALLED THE CUSTOMER CARE AND I HAVE CALLED THE CUSTOMER CARE SERVICE AS MUCH AS 10 TIMES AFTER THEN, I EVEN CONTACTED THEM VIA TWITTER TO NO AVAIL. 

THE BALANCE STARTED ACCRUING INTERESTS WHICH THEY MADE ME PAY TODAY XXXX XX/XX/XXXX. 
NOTE THAT THE INTERESTS ACCRUED IS NOT MY FAULT SINCE I ALREADY REQUESTED ACCOUNT CLOSURE, BUT, FOR THE SAKE OF GETTING MY MONEY I DECIDED TO PAY ANYWAY. 

TODAY, XXXX OF XX/XX/XXXX, HAVING WAITED MORE THAN 3 MONTHS TO RECEIVE MY SECURITY DEPOSIT, I WENT INTO THE PHYSICAL BANKING XXXX XXXX BANK OF AMERICA, AFTER SEVERAL CALLS BACK AND FORTH, WITH AN EMPLOYEE EVEN SAYING THEY NEVER HEARD OF ANYTHING CALLED A SECURED CREDIT CARD, I WAS TOLD THE BANK DOESN'T HAVE MY MONEY. THAT I WAS THE ONE WHO OWED THE BANK. 

I WAS TOLD IT WAS NEVER A SECURED CREDIT CARD BUT A REGULAR ONE AND THAT I NEVER MADE A SECURITY DEPOSIT, WHICH ULTIMATELY MEANS BANK OF AMERICA IS TRYING TO DEFRAUD ME OF MY {$1000.00} AND TO KEEP MY MONEY. 

I HAVE PAID ALL BALANCES DUE AND BANK OF AMERICA OWES ME {$1000.00} WHICH SHOULD ALSO START ACCRUING INTERESTS UNTIL THE DAY THEY PAY ME BACK THE FULL SUM. 

I HAD A CHECKING ACCOUNT WITH BANK OF AMERICA WHICH I ALSO CLOSED, IT WAS FROM THIS ACCOUNT I MADE ALL PAYMENTS DUE ON THE SECURED CREDIT CARD ACCOUNT. 

TO FUND THE BANK OF AMERICA ACCOUNT, I TRANSFERRED MONEY FROM MY XXXX   ACCOUNT VIA XXXX. SINCE THE BANK CLOSED MY CHECKING ACCOUNT, I NO LONGER HAVE ACCESS TO STATEMENTS. HOWEVER, I HAVE ATTACHED STATEMENTS FROM MY XXXX ACCOUNT. 

BANK OF AMERICA SHOULD STOP DENYING ME OF MY HARD EARNED FUNDS AND DO THE NEEDFUL IMMEDIATELY.

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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft due to an XXXX credit breech. XXXX   credit services and transunion credit services continue to report these fruadulent accounts for monetary gains. They have been sent all the information needed including identy theft report, ID VERIFICATION, POLICE REPORT AND FRAUDULENT ACCOUNT information to permanently block these identity theft accounts from my credit according to 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.

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 2020-08-11 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: CA

Complaint narrative:
In XXXX, I purchased a couch from a XXXX XXXX store in the XXXX XXXX XXXX CA XXXX Mall for approximately {$1800.00}. There was a year financing program being offered at the time, of which I took advantage. When I got my first ( and only ) paper statement, I divided the purchase price by twelve and set up automatic bill pay in order to pay off the balance in full prior to the expiration of the promotional period. The payments were setup so that Comenity Bank received them on the XXXX of every month. According to the Bank, I was assessed a {$27.00} late fee because the payment scheduled in XXXX of last year was not processed until the XXXX because of XXXX XXXX. I was not advised of this fact at the time because I never received another paper bill. Supposedly, the Bank was sending e-mails which directed me to sign into their web site to see my bill. I never signed up for paperless billing and I dont do paperless billing with any of my accounts. ( Im old school I want a paper record for every financial transaction. ) I only learned of this outstanding balance in XXXX of this year when the Bank began calling and finally sent a paper statement. At the time of their first call, the Bank insisted that I owed them {$54.00} ( and growing ) due to the unpaid {$27.00} plus interest. I offered to compromise and pay the {$27.00} late fee from XXXX of XXXX. The Bank declined. 

After spending several days taking this matter up the Banks hierarchy to no avail, I was told I had to pay the full balance which had now doubled while I was trying to resolve the dispute. I filed a complaint with the XXXX XXXX XXXX of Central Ohio against Comenity Bank. At that time I discovered that the Bank had received four ratings from its hometown XXXX - three Fs and one C. On XX/XX/XXXX, the Bank responded to my complaint by repeating that the charges are valid and increasing my balance to {$330.00}. As of XX/XX/XXXX, that amount had increased to {$560.00}. So since this dispute began I have been assessed over {$500.00} of interest and fees on top of the original {$27.00} late fee. And, as a result, of this dispute, my credit score has dropped over 100 points. This is unconscionable, particularly in the middle of a pandemic. 

I have repeatedly offered to go to small claims court to settle this dispute. The Bank has ignored this request and simply keeps sending monthly statements charging me more fees and interest. I have filed complaints with the XXXX in both XXXX, Ohio ( bank headquarters ) and XXXX County ( where I purchased the couch ). I have filed a complaint with the California Attorney General 's Office. And, I have even had XXXX XXXX XXXX in XXXX XXXX intercede on my behalf. When do I get to have a neutral arbitrator resolve this insane dispute? I want my credit repaired but, I will not be extorted by a crooked bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I want to add funds to XXXX debit card but PNC has a limit of XXXX dollars per month transfer allowance. PNC will not let me directly link my PNC account to XXXX to keep it funded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I was recently notified by my credit card company that my credit score had dropped. When I reviewed my XXXX credit report I saw that I had a new account in collections with I C System and the amount of the debt was {$140.00}. I do not know what this debt is for and I never received any notification from I C System regarding the debt or the collection. I have also disputed this debt with XXXX. I do not who I C System is or how to contact them regarding this alleged debt.

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 2020-08-11 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: I.C. System, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft due to an XXXXXXXX XXXXt breech. XXXX   XXXX services and XXXX XXXX services continue to report these fruadulent accounts for monetary gains. They have been sent all the information needed including identy theft report, ID VERIFICATION, POLICE REPORT AND FRAUDULENT ACCOUNT information to permanently block these identity theft accounts from my credit according to 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.

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 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bristol Point Financial, Inc.
State: CA

Complaint narrative:
bristol point financial inc XXXX I called XXXX to tell him I was a victim of identity theft and I had a police report XXXX told me I was a criminal and that if I filed a police report it would be another crime that I have commited that usual criminal such as myself don't go on to file a police report I then ask him what the XXXX he was talking about he start getting very rude and then nice I told him that I was very upset with him about the comments he made and that he can not collect because the time frame was up and that he was braking the law its was 4 years he made up so law and start not making sense I told him I want this account removed he said send my a police report so I can put you in jail he was worried I would report him for calling my family members and said he did not call my family member XXXX just kept calling me a criminal and was not listen to a word I was saying

Company response to consumer: Closed with explanation