vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My XXXX, XXXX XXXX XXXX XXXX XXXX, passed away on XX/XX/XXXX. He and my mother, XXXX XXXX, had several joint accounts, and all but one was available to her after my fathers passing. The one unavailable account, a savings account at Bank of America, account number XXXX XXXX XXXX, holding approximately {$14000.00}, was frozen. After phone and US mail exchanges, without the funds being released, my mother filed a complaint with you regarding her inability to access my fathers and her joint account ( case no. XXXX ). 

Bank of America responded that there were mixed records on the account, which had been acquired by them with the purchase of XXXX XXXX XXXX. They said that the account therefore belonged in my fathers estate. This answer, though not entirely satisfactory, was accepted by us because Bank of America gave paperwork to complete for a check to be sent for the amount in the account. We wished for expediency over arguing about the unsettling conclusion regarding my parents joint account. The paperwork gave us a path forward. 

As the Personal Representative of my fathers estate, I took the steps of opening a checking account for the estate and completing the paperwork to get a check that could be deposited in that new account. Bank of America had asked that I submit the forms by fax or mail. After submitting the forms by fax on XX/XX/XXXX, and not hearing back, I resubmitted by fax on XX/XX/XXXX. After again not receiving the check or correspondence, I tried a different tack and submitted the forms by US mail on XX/XX/XXXX, explaining the history and asking to be contacted if I did anything wrong. 

As I have still not been contacted, and I have not received a check, I have found my way to the CFPB in hope that you can help me resolve this. Though related, the issue is now different from my mothers issue in her prior complaint. My problem is that Bank of America will not send a check for funds in my fathers estate. I worry that the reason is the conflicting history of the account Bank of America described in its letter to my mother, the same complication that led them to freeze my mother out of the account.

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 2021-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Americor Funding, LLC
State: VA

Complaint narrative:
Debt Consolidation : Company is Americor. Signed Agreement on XX/XX/XXXX. Told the sales rep that I would probably want to pay off debt early, once I sold my house. He said no problem, to call for payoff amount when ready. 
Paid {$560.00} monthly with a {$10.00} fee taken out each month. 
Contacted Americor on XX/XX/XXXX to find out payoff amount. Was told it would be {$14000.00} and should take a couple of months to get everything paid off. 
Bank wired amount of {$14000.00} on XX/XX/XXXX. 
With the exception of Covid 2 hardship requests, the regular monthly fee continues to be withdrawn from my bank account. 
In XXXX, XXXX and XXXX I have called Americor to find out when final two card debts would be paid off. Was told that they are in negotiations and that it takes time. 
On XX/XX/XXXX, I sent an email to Americor addressing my frustrations and requesting expedited settlements. If necessary, please have a manager contact me. A ticket was established. According to their website, emails would be responded to within 7 days. I have not heard back from anyone as of today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened accounts for promotional bonus offer and funded on XXXX. The bonus was for XXXX . You needed to keep on deposit for 60 days and the within 90 days of account opening you would receive bonus. 

Upon calling I was told they are short staffed and its a pandemic and it will take longer. 

I called and asked for a supervisor who said basically it is what it is and I would just have to wait. I asked for a manager and was told someone would call me back. As of a week later no response. The company is still running their promotion so obviously this is false advertising if they were truly behind they would stop the promotion I escalated via email and only received a generic we will get back to, you. I have waited well over 100 days for this bonus. I believe the company is in violation of their promises and false advertising. 

I even called the corporate number and was told no executive can speak with me, I had to submit an email and wait for response. No one has been helpful either with chat or at least 5 phone calls

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 2021-02-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO alleges I owe a debt and it is completely false. I have spent numerous hours attempting to show them and yet they continue to harass me, report me to credit bureaus and threaten to seize my property. Here is a copy/paste of what I have sent recently and what is similar to what I have sent in the past. 

XX/XX/XXXX I moved and began a series of useless calls with your company trying to update my address. I was even told to drive to a local BMO just to change my address. I was not getting statements XX/XX/XXXX Same as above XX/XX/XXXX Same as above XX/XX/XXXX {$64.00} via XXXX due XXXX. XXXX XX/XX/XXXX {$110.00} via XXXX due XXXX XXXX ALSO INCLUDED XXXX WHICH WAS MISSED B/C YOU XXXX SWITCHED TO XXXX  AND NO ONE SENT ME ANYTHING. THIS WAS AFTER I ALREADY UPDATED MY ADDRESS IN PERSON AT A LOCAL BMO XXXX BRANCH AND OVER THE PHONE MULTIPLE TIMES. The late fee was waived due to BMOs admitted failure to 1 ) send correspondence to the correct address ; 2 ) provide due notice of a change in loan servicers ; 3 ) provide updated mailing address for new servicer ; 4 ) provide updated loan number under new servicer XX/XX/XXXX {$64.00} via XXXX due XXXX XXXX XX/XX/XXXX {$60.00} via XXXX due XXXX XXXX XX/XX/XXXX {$65.00} via XXXX due XXXX XXXX XX/XX/XXXX {$64.00} via XXXX due XXXX XXXX XX/XX/XXXX {$60.00} via XXXX due XXXX XXXX XX/XX/XXXX {$74.00} via XXXX due XXXX You are in breach of all applicable state and local laws by continuing to report my account delinquent, by harassing me and threatening me via written letters sent both via regular US Mail and certified US Mail . At this time, I will be filing complaints with the consumer Financial Protection Bureau & appropriate local state agencies. Further, I intend to retain counsel and seek reimbursement of those legal fees, costs, plus interests and damages as appropriate.

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 2021-02-07 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: Premium Credit Bureau
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Attention : PREMIUM CREDIT BUREAU Credit Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear PREMIUM CREDIT BUREAU This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : PREMIUM CREDIT BUREAU Made on : XXXX XX/XX/XXXX Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: LA

Complaint narrative:
My husband lost his job XX/XX/XXXX. He began drawing unemployment in XX/XX/XXXX, we remained current on house note until XX/XX/XXXX when his unemployment ran out. Louisiana issued stay at home orders during the time he was on unemployment but we continued to apply for employment through resumes. No hiring was taking place as we had to stay home. My mortgage company refused to work with us from day one. They belittled, battered, double teamed us and the only answer they would give us was borrow from family/friends. We have no one to borrow from. After three surge 's of pandemic and two hurricanes, they still refused to work with us. They have treated us as though we were stupid, telling us we never spoke with people we know we had, harassed us, calling all hours of the evening, after XXXX and at or before XXXX XXXX  and holidays. We finally stopped speaker ng with them. They have offered no loan modification, and our house will be sold XX/XX/XXXX. We are both ill with XXXX  XXXX and will be homeless when evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
XX/XX/2020 i open paypal account for unemployment. Insurance. XXXX2020. Paypal locked my account and sent a email stating I was no longer allowed on paypal and any funds would be held 180 days per the agreement. After which my monies would be released via email notice. The time period has passed i still cant access my money so I ha e no means mid covid. I have all the emails. When i ate t to contact paypal igetrun around and computer generated replies rhat dont ha e a thing to do with my issue and thsy know this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened two bank accounts In US bank on XX/XX/XXXX. One checking account, and one saving account. I opened these account because there was a promotion in the bank that for each account I will get {$400.00} bonus if I meet certain criteria. For checking account {$4000.00} direct deposit within three months and for saving {$25000.00} to be kept in the bank for three months. I already met these criteria. 

I opened these accounts after visiting US bank and the person in US Bank promised that I will get these bonuses. Till to-date I did not get any bonus either for checking or for savings account. I talked to the person in bank several times and he told me that I will get these bonuses at the end of XX/XX/XXXX. But still no bonus was deposited. The bank has informed me in XX/XX/XXXX that it will not give me any bonus. 

I am not happy with the US bank as it has not fulfilled its promise. Please help me in getting the bonus. 

The address of US bank is XXXX XXXX XXXX, XXXX, CA XXXX The persons contacted were : XXXX XXXX and 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 2021-02-07 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: NC

Complaint narrative:
On this DATE we made a reservation to a XXXX XXXX hotel through XXXX we made an initial deposit of {$570.00} on XX/XX/XXXX. We then paid the rest of the trip a total of {$1300.00} on XX/XX/XXXX. The week that the trip was scheduled, due to COVID-19, our flight was cancelled and the airline refunded our money. The lockdowns in our area forced us to cancel the trip to XXXX XXXX. At the time XXXX XXXX offered us a voucher via phone conversation. Unfortunately unbeknownst to us they closed their doors in XXXX. We reached out to XXXX XXXX on XX/XX/XXXX to ask where our voucher was and found out in an email response that they were temporarily closed for eight weeks beginning in XXXX. We then found out through news articles online that they had permanently closed. The XXXX XXXX XXXX also states they are out of business. We have reached out to XXXX several times to see if they could refund us and they have not helped us at all only promising to call us back and then they never called us back. They say XXXX XXXX would be the ones to give us a refund. But obviously there's no communication availabile to XXXX XXXX because they're closed. Unfortunately after months of trying to to communicate with XXXX, we have been told by them that the hotel was suppose to process a refund, we still have not received any refund. We started a dispute with DISCOVER in XXXX to see if they could help us resolve the issue. They have continued to ask us for new information stating that they can not reach out to the merchant who charged the card. We have provided mountains of information and still have been denied a refund. We were charged for services that were never rendered. We have waited months for DISCOVER to look into the dispute which is well beyond the window allowed according to the fair credit billing act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX Bank of America went into my account and took XXXX out of my corporate account XXXX XXXX XXXX XXXX XXXX. The last time we spoke was in XX/XX/XXXX. I explained to them that my income had decreased by 50 %. The president had broken all trading agreements with XXXX, New Mexico, and XXXX. As a result, the trucking was hit hard. I was struggling just to pay bills of necessity. Then, the pandemic shut everything down. I was off from XXXX through XXXX. During this time, I noticed the balance was XXXX. They had charged it off. I started back working in XXXX. I was way behind on my mortgage and in trying to maintain a truck that had been sitting for over 6 months. I began working diligently on trying to catch up on my mortgage, truck and trailer repairs. I began to save money for tires on the truck and trailer because everytime I would travel, I would have to pay road cost for flats which drastically affected cost. As I was able to stack a few dollars for this purpose, they went into my account and took XXXX. Can you please help me? I thought that the federal Gov. placed a moratorium on these types of practices during this pandemic.

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 2021-02-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
On XX/XX/2020, XXXX XXXX sent myself a letter referencing the closure of my account and relationship with Mr. Cooper for loan no. XXXX address XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Arkansas XXXX. At that time all funds, fees and debts were claimed to be settled. The beginning amount was XXXX, yet the payout to my family was only XXXX leaving to conclude that XXXX was kept in order to settle the debt. The remaining funds were sent to # XXXX XXXX XXXX XXXX, Arkansas XXXX. Since XX/XX/2020 when the account was closed I have been waiting on my credit from all three major bureaus to reflect closed accounts in positive positions. In order for my family to pick up and move forward credit plays a huge factor, therefore We request that the needed information in reported within 30 days of the submission of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
XX/XX/XXXX Phone Call Transferred to a 2nd Rep, as the 1st Rep just kept repeating script " information will remain on Report until XXXX, XXXX ''. XXXX XXXX  is no longer reporting this credit card item ; I sent Certfied mail & backup 2x in XXXX ; and uploaded backup. 
Experian continues to ignore the information, and Closed Dispute. 
The XXXX XXXX  Item needs removed immediately. 
Also, my FICO Score on Experian ranges 35-40 Points below XXXX  & XXXX. 
When I asked for explantion, was referred to FICO ph # XXXX which refers you back to the Credit Reporting Agency. 
Experian Member ID XXXX. 

XX/XX/XXXX, Experian changed my Name to XXXX. As soon as I received the email, I contacted them- and it took hours on the telephone for them to fix THEIR Error. 
They wanted me to resend them information proving my identity- which THEY changed- and which they already had by Cert Mail & uploaded documents. All they had to do was OPEN the Report & see MY name ( NOT XXXX XXXX. Experian has some explaining to do. They need to REMOVE immediately the XXXX Credit Card Acct that is Reporting Negative- and they Need to UPDATE my FICO Score to reflect accurate information. Thank you 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 2021-02-07 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I reviewed my credit report. I noticed that TransUnion dropped my credit score by 31 points! I called TransUnion on XXXX XXXX to inquire about this. The representative I spoke with could not give me an explanation as to why TransUnion dropped my score so low. We went through all the information on the credit report together. 

1. I have exceptional payment history 2. Zero collection accounts 3. Only two inquires 4. Zero public records 5. My utilization has consistently decreased from month to month 6. My credit score has consistently increased from month to month 7. My correct address-I told the representative that I wanted an investigation done and an explanation mailed to me. I also disputed the several incorrect address on my credit report. The representative stated that she would remove all incorrect addresses and update my report to reflect my correct address. That has not been done. I have not received any information from TransUnion in regards to my issues. I have worked very hard to maintain great credit, and I have invested in credit monitoring services to make sure my credit is protected and despite my best efforts, it is the credit bureaus themselves that are attacking my credit! I am furious this has happened to me! I was in the process of purchasing the perfect home for my family and this has been a tremendous setback for me. I want an explicit explanation from TransUnion. Line upon line with their justification as to why they have done this. I have also notice that my TransUnion score has not increased at all since XX/XX/XXXX despite positive reports being made to them. 

I will attach copies of my credit reports from TransUnion that will show all of the information I listed in numbers 1-7. I need the help of the CFPB to hold the credit bureau TransUnion accountable for their actions.

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 2021-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Auto Finance is reporting payment information ( " Last Payment Made XX/XX/2021 ) after bankruptcy discharge to XXXX  credit bureau. This is a violation of Bankruptcy Code 11 U.S. Code Sec. 524 ( a ) ( 2 ). They are also reporting payment history on the same loan which was service transferred to XXXX XXXX and failed to notify XXXX  and XXXX  of this fact, which is a violation of the FCRA. In addition, Capital One Auto Finance violated the Fair Collection Practices Act ( 15 U.S.C. 1692e ) by " The threat to take any action that can not legally be taken or that is not intended to be taken. '' This violation occurred when Capital One Auto Finance posted the payment information ( " Last Payment Made XX/XX/2021 ) on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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 — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
Abusive mortgage servicing practices, this is a violation. Improperly and wrongfully increasing permenately modified loan payments and failed to pay property tax disbursments on times, this is a violation of RESPA. Then I was under Ch.XXXX  bankruptcy and you shortage my escrow payments by failing to analyze accounts properly.

Company response to consumer: Closed with explanation