vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is a new claim regarding the previous claim # XXXX that was closed but I have never received a response from the bank or resolution offer or notification. 

I have been a customer of Bank Of America travel rewards card for 9 years. I had set-up an automatic payment every month of {$150.00} dollars. Today I found out through a letter that I have been short on the minimum payment for 4 months, since XX/XX/2022. I was never notified about this issue until I got the past due letter in the mail this weekend. I was charged {$39.00} dollars per month for the last 4 months. When I called the bank today I asked why they couldn't send me a letter or an alert notifying me about the payment that was short and why they waited me to be over 2 months past due to send a letter. They stated it was my responsibility to check my statements but I failed to do so. I asked again, why they took the step to send me a letter but couldn't notify me sooner. When I mentioned I wanted to pay the amount past due I asked if they could waive the 4 late fees when I actually did make a payment but it was short on the dollar amount. They said they would only try to waive the fee after my payment was processed. I felt very disrespected and they were extremely condescending. Then I decided to ask them to close my account and that I didn't want any more business with BOA. Then I asked for a payment plan or for them to lower my APR so I can pay my remaining balance accordingly, which is a little over {$5000.00}. They said there is nothing else they could do for me. Can someone help me getting these fees refunded? And set up a payment plan without these extremely high interest fees? I appreciate and thank you! XXXX XXXX XXXX account # with BOA : 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 explanation
Consumer complaint received 2023-02-25 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: NJ

Complaint narrative:
This XXXX  is not my account. It is my mother 's account and she passed last year. I've called many times to tell them this does not belong to me. Sent my social and license to prove it isn't mine. No one is doing anything. They went back instead updated the amount owed but kept reporting it on my account which isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I've called many times to tell them this does not belong to me. Sent my social and license to prove it isn't mine. No one is doing anything. They went back instead updated the amount owed but kept reporting it on my account which isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a loan with my daughter for a XXXX XXXX XXXX Recently there have been numerous problems making payments on time, due to the nature of her husbands work, covid, weather, and normal problems with clients paying their bills, but never have they been 30 days late. In XX/XX/XXXX her payment was rejected, and she had to find extra money to pay it. Payment was due XX/XX/XXXX. she was able to make the payment on XX/XX/XXXX. Also 6 days later on XX/XX/XXXX she make the XXXX payment, which was more than her required payment. 
On XX/XX/XXXX WellsFargo sent me a letter demanding immediate payment of {$2400.00} or the would begin repossession of the vehicle, or I would be forced to pay the balance. When my daughter called WellsFargo they told her only {$1000.00} was due, not {$2400.00}. so she paid the funds as I described above. 
Again it was never 30 days past due. Now I find they have added a delinquent payment 30+ days late to my credit accounts. When we spoke to them yesterday XX/XX/XXXX they were also confused why that happened and said we would have to dispute that with the credit agencies which I feel is not my job to clean up their mistakes today their online account is still showing the XXXX payment due. why??

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 2023-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
I have called several months ago to request PMI be removed and was advised it would not be until 11 years. 

I looked today and noticed that your site indicates : " Automatic PMI termination Even if you dont ask your servicer to cancel PMI , your servicer still must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments on the anticipated termination date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. '' My principal has reached this threshold but I am still being charged PMI. I tried to contact my mtg company again and got this message : That my loan would not be eligible until 2025 ( the 11 years again )

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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX of XXXX I approached my mortgage holder, Wells Fargo, about a modification to my mortgage of {$450000.00} due to economic hardship. In XXXX of XXXX that request for modification was denied by Wells Fargo. I continued to pay my mortgage to the best of my ability while pursuing other avenues to assist in obtaining a mortgage modification. 

In XXXX my economic situation become a bit more constrained as my youngest 's son was diagnosed with XXXX and needed assistance with his medical bills. At this point I approached the law firm of XXXX XXXX XXXX to aid me in obtaining a loan modification with Wells Fargo XXXX After several arbitrations and meetings with my legal representatives and Wells Fargo 's team a final court was set around XXXX of XXXX. 

At the final arbitration of XX/XX/XXXX I was informed that I would not be receiving a modification to my mortgage and that Wells Fargo would be moving forward with foreclosure proceedings. At this point I was given notice to vacate the property which I did on XX/XX/XXXX. The following year my former property went to auction and was sold.

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 2023-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc
State: CA

Complaint narrative:
I usually use this company to aplay for small anount of money, XXXX and I always pay them back XXXX every other week XXXX or so. 
I request that money on Friday XX/XX/2023 and they sen me a lot of questions and emails requesting personal information that I don't want to send because I was afraid of stealing my personal information and they already have on file everything they need. After a few emails ( they never call me ) I decided to request to cancel my account and they don't want to and I try to erase my bank account and not let me doing it. What can I do?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: TN

Complaint narrative:
I didn't authorize or give any permission to these company pulling my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I opened a checking account on XX/XX/2002, at XXXX XXXX XXXX, XXXX, PA XXXX at PNC bank. There was a promotion related to opening the checking account which offered a {$400.00} credit if I opened the " Virtual Wallet Spend '' and fulfilled all the requirements. I met all the requirements and PNC Bank confirmed my eligibility. 
However, they declined to credit me with {$400.00} since I had opened my account at a branch that did not participate in this promotion. This was never communicated to me, nor was it disclosed in writing. Additionally, I had asked several times about the eligibility for this promotion, and the person who opened my account confirmed that I would be eligible once I met the requirements, which I had done. 
PNC Bank 's attempt to take advantage of customers on their bank accounts is a wrongdoing on their part. I am not the only one who has been affected by PNC Bank 's illegal activity, and this issue should be addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/2023 - I have requested the removal of a activite security alert that is still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
XXXX XXXX on XX/XX/XXXX. $ $ cleared my checking XX/XX/XXXX. Its XX/XX/XXXX and credit has not been restored. They say XX/XX/XXXX some XXXX days AFTER they had my $ $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: DISCOVER BANK
State: NM

Complaint narrative:
Discover Card issue. XX/XX/XXXX : {$77.00} charge at XXXX XXXX disputed as possible fraud. Charge removed by Discover. Subsequent, undisputed charges at XXXX XXXX rejected by Discover. I contacted Discover and confirmed the purchases. Ask them to pay the {$77.00} charge, too, just to clear the issue. XX/XX/XXXX : XXXX XXXX charges totaling {$8700.00} appear on my Discover statement. XX/XX/XXXX : XXXX XXXX rejects an on-line purchase, not charged to Discover, claiming that Discover never paid them for over {$5000.00} of the charges that appeared on my XX/XX/XXXX statement. I have paid Discover in full. I contacted Discover in XXXX and XXXX of XXXX, spending hours on the phone requesting evidence that they paid XXXX XXXX, so I could present that to XXXX XXXX. On both occasions, I was told that documentation would be mailed to me. I have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I was under the COVID forbearance program, was unable to get off without refinancing my whole mortgage, which was not allowed under this program, but Community Loan Servicing refused to adhere to federal guidelines. I attempted to have my payments added to the end of my mortgage, which was offered to me in writing by CLS, but they refused to abide by their own offer. I ended up refinancing with another company. It was then I realized they charged me over {$12000.00} for " loan maintenance fees ''. They do not return my calls or emails asking for an explanation of this erroneous charge. I demand this amount to be returned to me in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have had a chronic problem with Comenity Bank and the untimely application of payments. On this occasion, my issuing bank confirmed that this month 's payment was issued on XX/XX/2023 for delivery by XX/XX/2023. The payment has never been applied and Comenity alleges they never received the payment even though I have several bank records proving otherwise. Relevant excerpts are attached. I am being asked to issue a stop payment for a fee of {$35.00}, which is unreasonable, as the error is with Comenity. In order to preserve my on-time payment record, I issued another payment, this time through Comenity 's on-line payment portal and that was properly applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello I've made mutual agreements for late payments with my creditors for XXXX XXXX XXXX loan, XXXX lender, XXXX XXXX The late payments were removed, but data furnishers went back and reinserted late payments onto my report without notice, after dispute was already closed. the back and forth games are destroying me mentally please help. 

I called original creditor who gave me a hard time and would not honor their word or our agreement, also I called bureaus to see why late payments were being put back on my consumer report, no clear answer was given, XXXX XXXX said they'd give me a pass on my late payment. 

this has caused traumatic amounts of sleepless night and mantel anguish I've complained over and over again Ive sent 10-20 letters for months to get rid of these false late payments I am desperate and begging for help to once and for all get rid of these detrimental marks to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello I've made mutual agreements for late payments with my creditors for XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX The late payments were removed, but data furnishers went back and reinserted late payments onto my report without notice, after dispute was already closed. the back and forth games are destroying me mentally please help. 

I called original creditor who gave me a hard time and would not honor their word or our agreement, also I called bureaus to see why late payments were being put back on my consumer report, no clear answer was given, XXXX XXXX said they'd give me a pass on my late payment. 

this has caused traumatic amounts of sleepless night and mantel anguish I've complained over and over again Ive sent 10-20 letters for months to get rid of these false late payments I am desperate and begging for help to once and for all get rid of these detrimental marks to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation
State: IL

Complaint narrative:
Was sent a letter By GLOBAL CREDIT & COLLECTION CORP detailing a alleged debt not owed, further more I did not authorize this company to contact me or have my personal Indentifying information, this company do not have my consent un 15 U.S.C 1692 c.

Company response to consumer: Untimely response