vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have tried to open up an online savings account with discover bank. I am getting a job in a few days and needed it to save money. I have tried since XX/XX/XXXX. They never emailed me back. I called 2 weeks ago and say one up and finally got it opened. It was opened for 1 day and then closed due to a business decision. I don't want this to affect me in any way. All I was trying to do us open an account. After calling the discover bank number they told me they couldn't give me any info but they I could reopen another application. I am not happy with them as all it is is a simple account. I didn't even get to transfer any money into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: FL

Complaint narrative:
Hello. I have found several charges on my company 's Bank of America Statements that I believe to be unwarranted. I have tried to contact the bank about this, and they admitted that this was misleading, but due to the time passed, they offered me {$1.00} credit to my account. There are {$730.00} in fees. 
I believe the way the bill is presented to a customer is misleading and causes people to think they do not owe a payment, because the bill sent will show Account Balance as {$0.00} and Amount Owed {$0.00}. Even though I receive these eBills with that, I have been charge interest on charges between when I pay my bill and when the statement closes. The bank said, because I did't make the payment in between, I was charged finance fees for all purchases made during that time. The issue is when a bill is sent it shows that I do not owe anything. It is a company card and we make purchases daily. We also keep a {$0.00} balance to avoid any fees. 

None of these have been due to a late payment or no payment to 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 2020-04-13 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: FL

Complaint narrative:
I HAVE FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVED THESE ENTRIES OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-04-13 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: FL

Complaint narrative:
I HAVE FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVED THESE ENTRIES OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: RI

Complaint narrative:
I requested an on line mortgage payoff statement from Dovenmuehle Mortgage Co on XX/XX/XXXX. The statement indicated a total payoff amount of {$340000.00} if paid before XX/XX/2020. Due to quarantine restrictions and on line banking daily payment limits, I sent 4 successive on line payments to Dovenmuehle totaling {$340000.00}, which they received and posted to my mortgage account by XX/XX/2020. 

As of XX/XX/2020 my outstanding principle balance was {$3600.00} per Dovenmuehle 's on line activity statement. I reviewed my loan activity and called Dovemuehle on XX/XX/2020 to request that the portion of each of those 4 previous supplemental payments not allocated to principal curtailment be allocated to principle. I was told that this was a manual bookkeeping step and that I should check back on XX/XX/2020. 

I called Dovenmuehle on XX/XX/2020 and spent roughly 5 hours on hold and speaking to various customer service reps, supervisors, and loan recovery staff. I also requested a current Payoff statement which now showed an additional {$770.00} to payoff the loan. I also noticed that the sum of my late XXXX payments of {$340000.00} were added back to my mortgage balance and according to discussions with Dovenmuehle put into a suspense account. The XX/XX/2020 payoff balance was by Dovenmuehles admission, 17 days interest on the {$340000.00} balance which remained in their system as my payments of {$340000.00} were reversed out of my account and booked instead to that suspense account. Dovenmuehle couldn't explain why all my payments including those previously booked as principal curtailments weren't subsequently rebooked as principal curtailments. They remained in suspense as of XX/XX/2020. 

No one I spoke to ( Supervisor XXXX, customer service XXXX XXXX, et al ) had the authority or interest to restate the accounting or modity the final payoff statement. It is my contention that the additional interest of {$770.00} to pay off my mortgage by XX/XX/2020 is unwarranted and based solely on Dovenmuehle 's decision to rebook my mortgage payments into a suspense account to either penalize a mortgage payoff or to take advantage of the current COVID 19 restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOV ASSOC Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

I would like to see what they have that proofs this is my debt. I want to see what i signed to authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: CITIBANK, N.A.
State: NV

Complaint narrative:
Citi Cards has three times ruled in favor of the merchant on dispute # XXXX for fraud, despite my having provided definitive proof. 
On XXXX XXXX I booked a non-refundable room at XXXX XXXX, XXXX XXXX for the nights of XXXX XXXX. I booked it only because the terms were ( and the confirmation guaranteed ) that my XXXX XXXX would not be charged until my XX/XX/XXXX arrival. 
XXXX XXXX fraudulently charged my Costco Visa the following day ( XXXX XXXX ) the full {$210.00}, over four months in advance. I called and they refused to reverse that fraudulent charge. 
I booked to pay only on XXXX XXXX arrival because I could be denied a room due to overbooking, property damage or COVID-19 closure. I would then have no recourse through Citi Cards for recovering these monies paid months in advance. My confirmation confirms those were the terms, and XXXX XXXX ignored them. 
Citi Cards ruled in favor of the merchant twice for reasons unrelated to my dispute, then finally ruled for the merchant on the basis that the merchant 's terms and conditions apply. The merchant 's policy was disclosed in the confirmation provided. The confirmation proves the exact opposite of that statement, yet Citi Cards refuses to consider the dispute further. 
The tone and content of the last two Citi Card decisions were insulting and threatening. We have for years charged many tens of thousands of goods and services on this card ( over {$28000.00} in 2019 alone ), always paying the balance monthly in full and on time. Their admonition that we pay up or be reported to the credit bureaus is insulting.

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 2020-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, This letter is in response to notice I, XXXX XXXX, received of a debt being claimed against me. In accordance with 15 U.S. Code 1692g, I am requesting verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, who was this debt paid too, and evidence that I am legally responsible for the debt. 

Please consider this debt to be under dispute. If it is found that there is no evidence of this debt is under my name, then I request that all credit bureaus and appropriate financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Additionally, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. Please send all communication, by mail, to : XXXX XXXX XXXX, XXXX, NY XXXX I am aware of the request for payment by your company, and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

Thank you for your cooperation, and I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, CFPB. I am I writing today because I really need your help. Bank of America is unfairly reporting a late payment on my account ; which is not due to a money issue or even worse, that I did not want to make my payment on time as Ive always done. 

I have been quarantined while traveling due to Covid-19, couldnt travel to the US on XX/XX/XXXX that I was suppoused to be back, and had no access to my account. The account was to be on auto payment, I have emails confirming auto payment was made a few months ago, I even have the statements ( see attached proof ). 

The payment was due to an annual fee ; there was no way I could have known that the payment was not made, I didnt even know there was a balance due to an annual fee ; and even if that was the case, the account is enrolled in auto payments. I have more than enough money in my Bank of America checking account ( see attached proof ). 

I also want to emphasize that I have never been late on this account. I have been a loyal customer for more than 6 years, and I believe I dont deserve Bank of America to report erroneous information. This is unfair, and I am now having a high level of stress. My credit score has decreased many points because of this erroneous report, and this was not my fault. 

Please see bellow account information : Bank of America credit card. Account # XXXX, opened XX/XX/XXXX, limit {$1800.00}.

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 2020-04-13 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: GA

Complaint narrative:
There are two account from the XXXX  XXXX XXXX XXXX, and an account with XXXX or XXXX, and XXXX XXXX  credit card that was reported by me as identity theft and also reported to the FTC and to all three credit bureaus as fraud. The account was not deleted even after a police report was issued. I need the accounts removed from my bureaus as evidence was provided that its fraud and identity theft.

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 2020-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) has sent me XXXX fraudulent medical invoices to collect a debt that is not valid. I have received XXXX Fraudulent Medical Invoices on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Today, XX/XX/XXXX, I received a debt collection letter from HRRG and I have sent a dispute letter to HRRG. The XXXX invoices are fraudulent and state that I owe {$150.00}. I have contacted my medical provider to let them know that I have received XXXX fraudulent letters/invoices and I have filed the following complaints in the past with XXXX  and FTC on XX/XX/XXXX and XX/XX/XXXX. The XXXX invoices contain misspelled words, fraudulent account numbers, and fraudulent medical provider name. The XX/XX/XXXX fraudulent invoice asked me to fill out my insurance information and credit card information. The website address listed on the invoice is XXXX I have contacted XXXX XXXX XXXX to verify if I owe a balance and I do not owe a balance, after paying a total of {$770.00} in medical bills from the XX/XX/XXXX emergency hospital visit. I have confirmed that two payments were made by me on XX/XX/XXXX for {$730.00} to the XXXX XXXX XXXX and a payment of {$39.00} was made by me to XXXX XXXX, XXXX on XX/XX/XXXX and I can provide copies of my paid medical invoices from XX/XX/XXXX emergency visit.

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 2020-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I called to resolve the amounts that were told to me of XXXX and another amount of XXXX. I did not receive anything to show where these amounts came from. The gentleman who I spoke with was very rude and was not very helpful in trying to come up with a settlement amount. I asked to speak with a manager or supervisor and he stated that he was a manager. I understand that they want their money but 90 % of what someone owes is not helping someone who is not able to afford it. With all the sickness and deaths happening, I thought he would've been a little more compassionate. I know that I owe the money and I want to pay them but I am in need of a little help. Thank you in advance for any help that you can provide.

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 2020-04-13 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I used XXXX XXXX to wire money to a friend to place an order. Later that day I was informed by my friend that he could not place the order so he returned the money using XXXX XXXX. I was alerted by XXXX XXXX that I had the money in my account. I selected to have the money transferred to my bank ( Wells Fargo ). When checking my Wells Fargo checking account a week later I noticed that the money was not in my account. I then requested that was Wells Fargo look into this matter, so I put in a Claim with Wells Fargo. I received a formal letter from Wells Fargo stating that there's nothing that they can do and that they claim was closed. I requested a from XXXX XXXX to speak to a person on the phone as to receipt of posting the money to the Wells Fargo account and I received nothing from Wells Fargo. I made several attempts to reach XXXX XXXX XXXX  by way of email phone texts and I have not received anything from them. I also reached out to my friend to provide proof that the money was taken out of their account and wired to me by way of XXXX XXXX. the proof that I currently have is text messages back and forth to my friend and documentation provided by XXXX XXXX on my cellular phone. I also have documentation where Wells Fargo withdrew the money the next day but did not provide me a refund on my account. 

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 2020-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was a student at XXXX XXXX XXXX. In XX/XX/2016, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please send documents to Bank of America with correct email address for response. 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 monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX. On XXXX, XXXX 2020. I received a notification from the credit report saying my account with Chrysler Capital was delinquent. I called them the next following day, they confirmed the account was passed due and they could not contacted me due to the call volume they have been receiving as consequence of ( Covid-19 ). I explained, first of all, I was never notified about the issue and even though the account was under my name the vehicle belongs to my ex-husband and he is the one in charge of making the payments. 
I contacted him immediately and he hasnt been able to make the payment due to financial strangles because of ( Covid-19 ). He made half of the payment due but the delinquency is still showing on my credit report. 
I can stress enough how hard this situation has been for the whole world and it is even worth when the decision of someone is affecting the wrong person. I am a single mom with a XXXX year old daughter and I have been working really hard to support my little family and a good credit is going to help me to provide a home for my baby to live in. It was not my fault Chrysler Capital did not have enough personal to cover the volume of calls and for that reason they decided not to call any of their customers. It is not fair under the situation we are all currently living to make this drastic decisions like this. We do not know if we will survive or if we will be able to keep our jobs. This type of delinquency states in the credit report for years that means it will affect me for years. This company needs to be more sensitive to the situation and give their clients a break to focus on our families and our health. 
Please review this complaint and I implore you to help me to remove the delinquency from my credit report. As I stated before, I am in the process to purchase a house, with this I will be able to provide a better quality of life for my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: NE

Complaint narrative:
They are reporting a collection account in the amount of {$7800.00} with XXXX XXXX XXXX. This is not my account. I have disputed this item several times with the credit bureau.

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 2020-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no knowledge of this debt information is incorrect

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 2020-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
As the situation with Covid-19 deteriorated, I was let go of my job which restricted my ability to pay my mortgage, luckily the federal government step up to help all of those with FHA loans give options to help during these hard times, guidelines that Freedom Mortgage is not following such guidelines to help struggling customers.

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 2020-04-13 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: CORELOGIC INC
State: OR

Complaint narrative:
I have been trying to remove this fraud student loan on my account for more than 4 months. Credco during a call called the vendor and they could not verify the loan. I submitted the request for removeal twice to credco and it came back 2 twice as an active loan ; but its not. I believe using your agency would be the next step to remove the misreporting. 

the passcode for the PDF is : 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