vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I enrolled in banking offer with a promise of {$700.00} when setting $ XXXX of direct deposit and keeping $ XXXX in savings for 90 days. 

I was committed to using account but still had auto pays such as for home loans from other outside accounts. I was promised that I would be able to use XXXX to transfer to my other bank. 

I did this without any issue the first two months. This last month a few days before 90 day seasoning period my checking account was blocked from XXXX transfers. I was only given option to do so from savings. I made the transfers I needed completed over 15 day period. It did not come to my mind that these XXXX transfers were exceeding a limit and the online site never disclosed prior to the transfer that you are about to go over a monthly transfer limit. All I knew is I needed to make transfers and they were not giving the option to do so out of my checking. 

As luck would have it this triggered {$45.00} in fees which placed my account just under $ 10k so as to disqualify me from {$300.00} portion of the $ XXXX  days before reaching 90 day threshold. Conveniently fees were reversed and representative I spoke to for over an hour on the phone assured me that you will not be penalized against offer as your average daily balance is over this. From my perspective it was they who blocked the checking for reasons beyond my control and in a busy 15 day stretch I had transfer using my savings to pay my mortgage and other creditors. 

Of course they will not take responsibility for their error to block the checking and allow savings. If this was about a security concern then XXXX should have blocked from all accounts. I feel unscrupulous lead to the block in an effort to create the fees that would lead to the account to fall just below $ 10k days before it would qualify for added {$300.00}. 

Please help correct this matter with BMOHarris Bank in 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 2019-10-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I modified my mortgage 6 years ago. After several failed attempts Bank of America decided to grant me the modification. We have gone through many hardships, I was excited about the approval and signed the paperwork, not knowing that a balloon payment of close to 300,00,00.00 was due even after all of the payments were done at the end of XXXX. The original balance was XXXX. So, they are receiving interest plus on the balloon payment plus what they are receiving monthly. That means the loan will be doubled, close to 1 million after its paid off!! Thats banking corruption! I thought its just the balance! How can banks get away with things like that? We are senior citizens!! Thats fraud! 
Bank of America is ripping people off! 
They need to dismiss that balloon payment!

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 2019-10-28 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am currently in Chapter XXXX Wage Earner Plan. Recently a creditor reported a charge off to the credit bureaus for a vehicle that my ex-wife has, or had. By the divorced agreement, and the court indicated that she was responsible. I sent these papers the divorce papers and agreement via certified to this company, explaining such in XX/XX/2016. I didn't know that there were arrears at that time, neither did I know the arrears were being paid and included in my current wage-earner plan. In fact, those arrears were paid. I've heard nothing from this company for more than three years, until recently this pops up on my credit reports. Which I feel it is malicious act and may be a violation of the automatic BK stay. I can only imagine they were not able to collect monies for my ex-wife and have decided to destroy what's remaining in my life. I will fight this as hard as I can, even if I have to go to the media. This is malicious.

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 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have contacted equifax and XXXX  on the chapter XXXX bankruptcy that is currently on my credit report. They told me that the public record can not be remove from my credit report file. The Chapter XXXX bankruptcy has been discharged and should have been remove from my credit report. They are telling me that they have to wait on the XXXX XXXX Court to tell them to remove the Chapter XXXX bankruptcy. The court is telling me that they only deal with filing and discharge on the case. I am needing this remove from my report do to it is over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I received my morgage statement for XX/XX/2019. I paid the amount shown in full. They casged my check on XX/XX/XXXX. On XX/XX/XXXX I received a notice of late payment plus added late fee. I called and was told the original mortgage bill was in error and that they had sent me an escrow statement and it had my correct mortgage amount on the back. Nowhere on the statement was there anything saying it was a bill. They did not send a bill saying the made a mistake and I owed more money. Instead they send the notice of not receiving any payment at all and I have to pay a late fee and i will be reported to the credit bureau. They refused to delete the late fee. Under duress I paid it. I feel I am owed an apology and a refund of the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BK OF AMER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NJ

Complaint narrative:
PLEASE READ IN ENTIRETY I previously filed a complaint for this company but they didnt read my complaint as they referenced the WRONG account. This is NOT about my one XXXX account!!! This is for TWO loans not one. Please see loans : Sallie Mae Smart Option Student Loan - XXXX ( $ XXXXmonth ) and Sallie Mae Smart Option Student Loan - XXXX ( $ XXXX/month ) NOT my XXXX  loan. The Sallie Mae loans total $ XXXX/month. I can only afford to pay {$75.00} for payment of BOTH loans each month or {$37.00} for each loan every month. I am not inquiring about my XXXX loan just my two Sallie Mae loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have contacted XXXX and experian on the chapter XXXX bankruptcy that is currently on my credit report. They told me that the public record can not be remove from my credit report file. The Chapter XXXX bankruptcy has been discharged and should have been remove from my credit report. They are telling me that they have to wait on the XXXX XXXX Court to tell them to remove the Chapter XXXX bankruptcy. The court is telling me that they only deal with filing and discharge on the case. I am needing this remove from my report do to it is over 7 years old.

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 2019-10-28 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: Colony Brands, Inc.
State: NY

Complaint narrative:
ON XX/XX/19, I INITIALLY SENT LETTERS TO XXXX XXXX XXXX AND XXXX XXXX  DISPUTING A DEBT BEING REPORTED TO THE CREDIT BUREAUS AND FOR THEM TO VALIDATE THIS DEBT. ON XX/XX/19, THEY RESPONDED WITH A PRINTOUT TRANSACTION SUMMARY FOR WHICH I SENT SUBSEQUENT LETTER ON XX/XX/19 DEMANDING THT THEY PROVIDE ME WITH ANY VIABLE EVIDENCE THAT THESE ACCOUNTS WERE MINE ( ie. SIGNED CONTRACT or ANYTHING BEARING MY SIGNATURE ) THAT GIVES THEM THE RIGHT TO COLLECT FROM ME OR REPORT THIS DEBT AGAINST ME. TO DATE THEY HAVE NOT DONE SO OR REFUSE TO. I HAVE NO RECORD OF EVER DOING BUSINESS WITH THESE COMPANIES AND HAVE DISPUTED THIS ALSO WITH THE BUREAUS, BUT THEY KEEP RESPONDING THAT THE DEBT IS VERIFIED WITHOUT OFFERING THE PROOF OF HOW THIS DEBT WAS VERIFIED. I HAVE REPEATEDLY ASKED THAT THE DEROGATORY INFORMATION BE DELETED AS THIS IS CAUSING SIGNIFICANT FINANCIAL HARM TO MY QUALITY OF LIFE AND IT WAS LAST YEAR AND SUBSEQUENTLY REINSTATED THIS YEAR WITHOUT ANY PRIOR NOTICE. THE REPORTING OF THIS DEROGATORY AND INCORRECT INFORMATION IS DETRIMENTAL TO ME AND MY FAMILY 'S QUALITY OF LIFE AND I REQUEST YOUR FURTHER ASSISTANCE IN HAVING IT REMOVED AS ALL MY PREVIOUS REQUESTS TO THE BUREAUS AND THESE TWO COMPANIES HAVE BEEN BLATANTLY IGNORED. PLEASE NOTE THAT XXXX  HAS CHOSEN TO STALL THE PROCESS BY SENDING ME A LETTER ON XX/XX/19 REQUESTING I SEND INFORMATION TO VERIFY MY IDENTITY. THAT WAS DONE ON XX/XX/19 BUT ON XX/XX/19, THEY SENT ME THE SAME LETTER REQUESTING THE SAME INFORMATION AGAIN. THIS IS PAST THE 30 DAY WINDOW THAT THEY ARE REQUIRED TO CONDUCT THIS INVESTIGATION. XXXX RESPONDED TO MY SECOND LETTER WITH TWO POSTCARDS STATING IN SOME INSTANCES THEY ARE ABLE TO DETERMINE WHETHER DISPUTED INFORMATION SHOULD BE DELETED OR CHANGED. HOW CAN THAT BE, IF THE INFORMATION IS WRONG?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MCMC Auto LTD
State: TX

Complaint narrative:
I had co-signed for an ex to purchase a vehicle from MCMC in XXXX XXXX, TX. We ended our relationship soon after. She let the vehicle go into repossession. The company failed to notify me of the repossession to at least give me the opportunity to assume the loan and they never contacted me with notice of collection or intent to report to the bureaus. I contacted the company some time ago and they said they would remove the account from my credit report if I were to dispute. I have disputed and they changed the status from " Involuntary Repossession '' to " Voluntary ''. I have contacted the company SEVERAL times in the past weeks and now can not get passed an account representative. I have left several voicemails with what I am told is a supervisor but I have never received a call back.

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 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay Servicing is " Double Tracking '', refuses to provide the reinstatement amount, did not notify the party in their records, and repeatedly requested duplicate documents : I inherited the family home as Trustee and Executor when my mother died. I paid on her mortgage but it remains in arrears. Fay Servicing, ( Fay ), told me their " preferred option '' would be for me to assume the loan. I sent Fay a completed mitigation application and all the documents requested. Fay asked for more and more documents, some twice. On XX/XX/2019 Fay asked for " Letters Testamentary '' which the XXXX  small estate process does not even use. I sent everything else requested. 
Then, to my surprise, Fay recorded a Notice of Default, ( NOD ), on XX/XX/XXXX. Soon after, I talked to XXXX XXXX, ( XXXX ), at Fay by phone. XXXX requested a new, notarized copy of the Certification of Trustee already sent. I asked XXXX specifically if Fay was " Double-Tracking '' and planning to foreclose. XXXX said " No, the NOD is just part of the 'process ' ''. I never received a written, ( or verbal ), determination of the mitigation process from Fay. 
Instead, Fay suddenly recorded a Notice of Sale. So I repeatedly phoned Fay for the reinstatement amount, finally reaching Account Manager XXXX XXXX XXXX, ( XXXX ), on XX/XX/XXXX. XXXX said that I could not get any information because someone, ( X ), was actually the Trustee and owner, not me! I never heard of X. No mail had ever arrived for X. XXXX said he would help, anyway : XXXX  would call in a day or two, and I could try to guess the reinstatement amount! XXXX never called.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Got a message that they were unable to identify me. The questions seem to be trick questions, and difficult to answer unlike the other two credit agencies. I have noted this whenever I try to get my free annual credit report. Trans-union is also the only credit agency where I have found errors in my reports in the past, and it has been difficult to fix them. I think Trans-union does this on purpose and should be investigated for possible collaboration in 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 2019-10-28 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: NY

Complaint narrative:
Incorrect information reporting 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 2019-10-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Thrivepoint Financial Holdings, Inc.
State: FL

Complaint narrative:
LENDER : Renovate America ( HERO PACE product ) PROPERTY ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX LOAD IDs : APN : XXXX HERO ID ( s ) : XXXX I paid my account in full ( {$21000.00} ) by wire transfer on XX/XX/2019 per the instructions that Renovate America ( RA ) provided to me on XX/XX/2019. 

Following payment of the account, I did not receive any acknowledgement or any other communications from RA until XX/XX/2019. On XX/XX/XXXX, I received a Payment Confirmation Letter ( PCL ). 

On XX/XX/2019, I acknowledged receipt of the PCL, and informed RA that the lien on the property had still not be released, by replying to the email that it had been sent from. 

On XX/XX/2019, I sent a follow-up email to the same address requesting information of the Release of Lien ( Release ). 

Between XX/XX/XXXX, and XX/XX/2019, I made multiple calls to RA to request that the Release be recorded. On the initial calls, RA assured me that the Release would be recorded shortly ( in a matter of days ). On subsequent calls, RA informed me that RA does not presently have the competency to the record the Release, but that RA is working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I have been telling this company for years they billed me after service was discontinued and they keeoo Pk putting on my report over and over

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: NY

Complaint narrative:
Incorrect information reporting 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 2019-10-28 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: NY

Complaint narrative:
Incorrect information reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: NC

Complaint narrative:
Transunion TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

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 2019-10-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have three unauthorized inquiries in my equifax report file. # 1 by XXXX XXXX onXX/XX/XXXX # 2 by XXXX XXXX XXXX onXX/XX/XXXX and # 3 by XXXX XXXX XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: NC

Complaint narrative:
Transunion TransUnion Consumer Solutions XXXX. XXXX  XXXX XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

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 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief