vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am trying to get a payoff, and I can not get in touch with a person. 90 minute wait times which are not realistic. I can not access this electronically because BOA has refused to acknowledge that I am the persona representative of the estate.

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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Every month of XXXX and XXXX. 
I have attempted to correct this on going problem. I have contacted XXXX Trans Union, XXXX, and XXXX XXXX to get this information removed from my credit file. Only XXXX took me seriously about removing the information from my credit file. I did not authorize any of these companies to place an entry from the US Courts on to the public records of my profile. I contacted the courts and they sent me a letter confirming that they DO NOT report to the credit reporting agencies. I did NOT give permission to XXXX or XXXX to sell, share or provide my information because of law in the FCRA this information needs to be removed. I have provided documentation and the laws but no resolution has occurred yet.

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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: GA

Complaint narrative:
Every month of XXXX and XXXX. 
I have attempted to correct this on going problem. I have contacted XXXX, XXXX XXXX, XXXX, and Lexis Nexis to get this information removed from my credit file. Only XXXX took me seriously about removing the information from my credit file. I did not authorize any of these companies to place an entry from the US Courts on to the public records of my profile. I contacted the courts and they sent me a letter confirming that they DO NOT report to the credit reporting agencies. I did NOT give permission to LEXISNEXIS  or XXXX to sell, share or provide my information because of law in the FCRA this information needs to be removed. I have provided documentation and the laws but no resolution has occurred yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX, received the following from Amex : '' Due to your intention to file for bankruptcy the Amex accounts listed above have been cancelled. '' If they check their phone logs and chats, Amex would have realized this was an erroneous statement. The letter I have written in repy follows : Credit Manager According to a form letter, XX/XX/XXXX, you have canceled my accounts based on My intention to file bankruptcy. If you check your recorded logs of the numerous phone calls, and online chats with your low-level credit collectors, I  repeatedly requested that my accounts be escalated to a supervisor to work out a settlement or reasonable payment schedule. I indicated I would prefer to work out an agreement, rather than file for bankruptcy. 

These collectors only had the authority to offer the standard $ XXXX per month on each card. I had hoped that an Amex executive with administrative and credit authority could work out something that consolidated the debt on both cards and set up a realistic payment schedule that accommodated my age, XXXX, and my current financial situation, social security as my only certain source of income. 

I am sorry that you took bankruptcy as a statement of fact rather than an option. I also stated that at my age and with the threat of the virus, death could be an option. I do appreciate you did not take this as fact and address your letter care of my estate. 

I believe Amex is non-compliant in cancelling my accounts on my supposed intent to file for bankrupcy, and to advise me to write to a PO box ( which does not accept certified mail ) and no named individual to  write for questions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
The US Bank Reliacard website for XXXX in Pennsylvania states my Reliacard was mailed on XX/XX/2020. I never received my card! I called the US Bank Reliacard number to request a replacement card in XXXX and again in XXXX. STILL NO CARD! The first customer service representative I spoke with was a gentleman and he verified all of my information and said he would have another card mailed ASAP ... .Nope not yet. 
The second phone call I spoke to a woman and she said the gentleman never had another card issued and yet again I confirmed all of my information and she said she will request another card. 
Well, it is now XX/XX/2020 ... .I STILL HAVEN'T RECEIVED A CARD!!! My funds were loaded to the first card ... US Bank Relicard customer service cancelled that card when i called in XXXX ... .I just never received it .... 
Please Help!

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 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TN

Complaint narrative:
I left XXXX XXXX XXXX XXXXXXXX XXXX, an apartment complex in XXXX, VA some months back. I figured there might be some balance due. At the time, provided forwarding information by email and return phone call. I heard nothing for several months. Then I began receiving repeated calls from " The office of Hunter Warfield ''. They call using a variety of 8xx numbers, and do not leave a message. When I have answered and spoke to them, the have a long introduction that makes them sound like a federal agency. 

However, in my specific case, they start off about collecting a debt after numerous attempts to contact me. After some questions, I find they have been sending letters to an address I am not at. I give them a proper address for postal mail and an email address. I receive nothing from them at either the postal or email. 

And then I receive another phone call. Same speil. 

So today I called the leasing office to ask what is the deal. And I find that I have a XXXX balance!! There is no reason for Hunter Warfield to be calling me. 

As a certified communications engineer, I consider this to be harassments and fraud by telephone, across state lines, which is a felony under FCC rules. Any further calls or other communication from this firm will be handed over to the FCC and Attorneys General of  Virginia and Tennessee, along with alerts to the media for suitable judicial action. 

Do not harass me by phone and commit fraud trying to collect a debt I do not owe. 

A XXXX Search shows Hunter Warfield at : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX It appears to me that the landlord is not the problem, but the collection agency is.

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 2020-08-24 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: IL

Complaint narrative:
I called Transunion talk to representative about inquiries thats was moved off my credit from you all put they was put back on there please remove all these inquire thats removed Thank You XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX x2 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 x2 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 explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB Representative, I have been a Bank of America customer since XXXX. On XX/XX/XXXX, I tried to purchase {$4200.00} worth of merchandise on my credit card that had a {$5100.00} limit. Bank of America immediately stopped the transaction and asked me to call for verification, which I did. They sent me a letter a week later stating that they decided to close my account because of " recent transaction activity on this account '' and " sufficient balances on your revolving credit lines. '' I have no balances on any of my credit lines. They stated they got my score ( XXXX ) and credit report from XXXX. I have no other debts. When I called them to ask why they would chose to close an account during these unprecedented times when we are reliable on credit cards, I received no explanation other than they have the right to close my account at any time. Although the step they have taken might not be illegal, it's unethical at best, at even borders on discrimination. The representatives that I spoke with with first to verify my transaction, had a condescending tone and patronized me several times.

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 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AR

Complaint narrative:
On XX/XX/2020 I inquired with AmeriSave about refinancing my home loan. XXXX XXXX, a loan originator with AmeriSave, contacted me and stated he could save me approx. {$150.00} a month on my mortgage with no appraisal needed, but they required a {$500.00} application fee. On XX/XX/2020 I paid that fee and he sent out disclosures and paperwork to sign. I submitted to him via an online portal ( which I can no longer access ) all of my personal documents including paystubs for the previous 2 months, mortgage payoff information, income information, etc. On XX/XX/XXXX, I received a text message from the processor stating it wouldn't be much longer before my loan is closed. Today is XX/XX/XXXX and after multiple attempts via email, text message and phone calls, I have not received a response back. I last spoke with XXXX Thursday, XX/XX/XXXX and have not received a response back from my calls or emails. During that call on XX/XX/XXXX, he stated they could not get a hold of my processor and that he had escalated it with her supervisor and his. I am not sure what is going on with this company, but they stole {$500.00} from me and all of my personal information under the guise of being a legitimate lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: TX

Complaint narrative:
This collection account was found on my credit report. I have disputed tis account. 



XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA. XXXX File Number : XXXX XXXX XXXX RE : XXXX XXXX Mutual Balance {$270.00} Dear XXXX XXXX XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: Collection Management Holdings, LLC
State: PA

Complaint narrative:
I spoke with credit management company in XX/XX/2020 to set up payment on the medical debt they own of mine they offered to send the report to me because they have duplicated or fraudulently made up accounts which literally took my debt and doubled it, now I cant find a home or a better car to get to and from my XXXX XXXX XXXX and Im just highly disappointed that this company has caused more of a hardship on my life lately then this corona virus or anything else, I work hard Im a XXXX in the United States XXXX and Im sincerely trying but I want these duplicated accounts removed because I have failed to be able to contact them since they lied and said I could receive a report on the accounts they own

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
it reports My balance at XXXX. it is only XXXX Paid XXXX and XXXX Both Cleared. Caused my Report to Go down by 43 Points. Called they Say they Cant do anything to Fix.

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 2020-08-24 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: EQUIFAX, INC.
State: WV

Complaint narrative:
it reports My balance at XXXX. it is only XXXX Paid XXXX and XXXX Both Cleared. Caused my Report to Go down by 43 Points. Called they Say they Cant do anything to Fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: AL

Complaint narrative:
Chase/JP Morgan bank has me listed as being deliquescent on a credit card in which I have never owned. I have never had an account with Chase Bank and have never lived at the address linked to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One bank has submitted false information to all three credit bureaus under my name. I have contacted Capital One numerous times to discuss these accounts that were marked as late payments. Not one of 4 agents could locate any account in my name or by my social security number. There are 2 accounts in question on my report. Both accounts are from Capital One. XXXX reports an account # XXXX with 24 on time payments and 1 late payment. Credit limit {$18000.00} and with an opening date of XX/XX/09 of the account. 

XXXX also has a Capital one account on my credit report. This account # XXXX states 47 on time payments and 1 late payment. Also with a {$18000.00} credit line and also opened in XX/XX/09. 

XXXX  also had a Capital one account on my credit report Acct # XXXX. This states 0 on time payments and 1 late payment. Also an {$18000.00} credit limit and also opened XX/XX/09. 

I have requested statements for these accounts because I have never has a Capital One account. Capital One has not yet been able to furnish any information to me because they have no information on these accounts In the system. 

Due to the lack of response to this matter, I have been unable to obtain a mortgage because of Capital One 's lack of response to my request for information and for falsely reporting inaccurate information on my credit report. I have attached screenshots from all three credit bureaus that appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I hold three accounts with Synchrony Bank : Paypal Credit CareCredit Amazon.com Store Card All three accounts are in default/collections. While the phone calls to me are within the bounds of the law under the FDCPA and the TCPA, they have begun calling family members multiple times a day utilizing robocallers to ask for me. They are improperly contacting and sharing information with my sister-in-law. They are also potentially using spoofed phone numbers in order to not be trackable.

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 2020-08-24 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: TX

Complaint narrative:
This collection account was found on my credit report. I have disputed tis account. 



XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA. XXXX File Number : XXXX XXXX XXXX RE : XXXX XXXX Mutual Balance {$270.00} Dear XXXX XXXX XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
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