vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 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: FL

Complaint narrative:
What happened - 1 ) On XX/XX/XXXX Bank Of America closed my {$9000.00} line of credit cards without notifying me and my credit score was dropped by 41 points because of that. I have that credit card since 2015 without ever being late and always have my auto pay set up from bank of america checking account. Amount due was only {$180.00} where as I have a balance in my checking account {$70000.00} + 2 ) On XX/XX/XXXX Bank of America reported 30 days late on my credit report and my credit score dropped by another 45 points because of the reporting. Because of their own glitch in the system due to Covid-19 and high volume of traffic they could not process the payment even though I had auto pay set up. 
What I did - Since XX/XX/XXXX I have been trying to get hold of BOA over the phone to let them know I might delay my payment because of pandemic. After continuous 2 weeks of trying nobody answer the phone over two hours of waiting and automated message. Finally I got through by email in 1st week of XXXX and they have accepted my request and even after accepting request they have reported late in my credit report and closed the credit card??? By doing so they have ruined credit and now I can't get my house refinanced!!!

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 2020-05-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$3300.00} on the XXXX partial account number XXXX, as well as reporting incorrectly a collection/chargeoff of {$730.00} partial account number XXXX. ( Please see pages attached from my credit report. ) In addition, the bureaus have changed the opening date on these accounts to XXXX, and they have also changed the account numbers. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these line items be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-28 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: CIT BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
From XX/XX/XXXX I had a residential mortgage with XXXX which I was informed is under the control of CIT Bank. This account was transferred to another lender in XX/XX/XXXXbefore CIT Bank took over. In XX/XX/XXXX, the mortgage was reported as 30 days late to each of the 3 major credit reporting agencies. When I reached out to file a dispute to have this item removed after XX/XX/XXXX ( 7 years from the date of the first delinquency ), CIT changed the reporting to show it as a positive account, committing blatant fraud in their reporting rather than removing this item as requested. Each time I've reached out to CIT to discuss this account, I am continually being told they have no information on the account, either under my name, social or the account number, yet they respond to any disputes filed by the credit bureaus, informing them that their reporting is correct, when in fact it is not. For months I have continually tried to get this account removed from my credit file, only to be told that the information being reported by CIT is correct, thus allowing CIT to  continue to commit fraud by changing information on this account from negative to positive, avoiding the Statute for time limitations and not reporting accurate information. I am seeking assistance to have this item removed for the blatantly fraudulent information they are reporting and for their failure to respond to me as a consumer to challenge the accuracy of their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
On XX/XX/2020 I received a response ( see " CFPB Response XXXX '' attached ) from New Rez LLC detailing the closing disbursements of my mortgage on XXXX. Noticeably, however, is the fact that New Rez " Intentionally '' did not include pages 2 and 3 of the Closing Disclosure ( CD ) which shows " Other Costs ''. Included in Other Costs were disbursements made for tax and insurance escrows that were also paid at the time of closing. So not only did the lender pay current taxes and insurance that were due, but they also dispersed escrows for future taxes ( {$3200.00} ) and insurance ( {$1700.00} ) that were also deducted from loan proceeds. The tax escrows represented 2 months worth, while the insurance escrow represented 6 months worth of future payments. I have included all 3 pages of the CD for confirmation ( see " Closing Disclosure_XXXX XXXX XXXX XXXX '' attached ) to document these facts. 

Since my first payment, which was due XXXX I have made every monthly payment which includes the mortgage of {$6700.00} and escrows for taxes and insurance of {$1900.00} as required in the CD. Given these facts, it is impossible that New Rez should have ever claimed that I was behind in escrow payments. Secondly, as stated in an earlier complaint, there is no projections for tax increases as the City of XXXX only reassess or increase taxes upon changes in use or improvements ; this is confirmed by the City of XXXX. I invite anyone who reads this to please call the City of XXXX to verify ( XXXX ). It should also be noted that New Rez also made payments to the wrong city ( XXXX XXXX ) for {$4800.00} that also had to be recovered. 

Ignoring the facts, New Rez has increased my taxes without authority or proper rationale to do so. Based on the facts, I have requested that New Rez change my monthly total payments for tax and insurance to {$1900.00} as per my loan agreement. Moreover, I have requested to pay my tax and insurance payments to the city and insurance carrier directly. What New Rez has done shows that they are a fraud, not trustworthy and that they are conducting business in an unethical way. 

cc : NJ Consumer Affairs Attorney General Office of NJ Department of Banking & Insurance of NJ

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
On Thursday XX/XX/2020 Paramount Recovery contacted me stating that I owed a medical debt from XXXX XXXX XXXX XXXX in the amount of {$1200.00}. I spoke to a old female over the phone. She stated how did I want to take care of the debt, and responded that I already dispute the account multiple times and that credit agencies have removed the account before. The representative stated this debt was moved to a new office, and this is why the collection reappeared on my credit report. I stated that if Paramount Recovery wanted me to accept responsibility for the debt that I wanted a detailed billing statement of the charges from the original " doctor visit '', and not some generic letter head from the collection company with the amount they are attempting to collect. I have spoke this company on many occasion, and stated that I was requesting the debt to be properly validated. Multiple time the collection agency states that they are going to send validation in the mail, and it is going to take up to 30 days to be received. During this time the collection agency is holding my credit and credit score hostage negatively affecting my financial situation during this world pandemic. They purposely drag their feet by taking their time to resolve this matter as a dirty tactic to try to get me to settle the debt out of frustration. Finally, but not least they are very rude over the phone. They state that this debt is my responsibility, and they don't have to provide any proof that the debt is mine. They always pass me along to another line that has no one on the other end of it, or they just hang up, because they don't have the proper answers for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UBS BANK USA
State: FL

Complaint narrative:
After considering the benefits of the UBS Bank XXXX XXXX card, I decided to call the main customer service number and inquire about the process of application, benefits and welcome offer. The male agent explained me all the benefits, took my information to send me an application packet, and explained me there was a welcome offer of XXXX points after spending {$3000.00} in the first three months. I figured it was an all around attractive package so I signed up for it. After meeting the required spending, UBS only award me XXXX points instead of the promised XXXX which can be found in the recording of the call. I called customer service about it on 2 different numbers, but nobody knows anything about it. I also emailed Mr XXXX XXXX directly and he never replied to me. The second problem I have is that I have not been able to use 2 of the advertised benefits of this card, the Visa XXXX Hotels program and the XXXX XXXX passes. I keep hearing there's a problem where Visa XXXX doesn't recognize my card, but it's been 2 weeks and I'm frustrated with this bank. Anybody reading this, please stay clear of UBS. They clearly run a bait and switch operation. I don't even know how they're able to legally operate in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: FL

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$3300.00} on the XXXX partial account number XXXX, as well as reporting incorrectly a collection/chargeoff of {$730.00} partial account number XXXX. ( Please see pages attached from my credit report. ) In addition, the bureaus have changed the opening date on these accounts to XX/XX/2020, and they have also changed the account numbers. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these line items be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX, a friend of mine sent herself {$540.00} dollars from my smartphone to her bank account using the XXXX   application without my authorization. Ive contacted Citi bank with the issue asking to dispute and Investigate the charge from me because this charge was unauthorized and the perpetrator is going to be punished. The representative took my claim and said it will be filled, & I should expect a credit in my account within 1-3 business days. Ive explained to her due to Covid-19 Im not working and I have a son to feed, I really do need my money back to me. Today XX/XX/XXXX Ive contacted Citi bank regarding my claim & they told me its nothing they can do for me at this time, and that my dispute is still pending which isnt what I was told. Im down to my very last bit of money and Ive disappointed because I thought my bank was supposed to be on my side throughout the investigation. Please help me as I soon run out of money for this month and Im looking for answers.

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 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I signed up to use XXXX  and pnc will not allow me to add my card. Pnc will not work with XXXX. This is very important as my kids use XXXX  and I need to be able to send them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: PNC Bank N.A.
State: IL

Complaint narrative:
PNC bank can not let me link my account with XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was alerted that someone had stolen my identity. 
Upon checking my credit report, I noticed that CITI Bank was one of the institutions that the fraudsters had used to open up accounts. 

While other companies were helpful, Citi Bank has not. Just a couple weeks ago I was notified that a new account was opened via XXXX XXXX, and when I called to cancel and claim fraud, they told me that team was out and I needed to call back on Monday. And then on Monday, they told me that an account was never opened. 

Then again today, XX/XX/XXXX. I was alerted that a " PII '' was opened. The fraud department could not verify this ( which makes no sense ) so then they transferred me to the loan department. The loan department asked me for my security questions. I told them I do not have an account there so those are not my security questions and I need to cancel whatever account that is in which I was told " we could not continue without the security questions. '' I asked how that made sense and he said that no one could help me unless I got the security questions. I was then told to " stop talking '' because I asked what my next steps where. 

At this point, I can not confirm what kind of account was open or what it is since CitiBank continues to let fraudsters open up accounts under my name and won't let any accounts be closed.

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 2020-05-28 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: North State Acceptance, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX  Hide Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX, GA XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Factual Data : :XXXX XXXX  XXXX Hide Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX Virginia XXXX , VA XXXX ( XXXX ) XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX : :XXXX XXXX XXXX  Hide Details XX/XX/XXXX XXXX XXXX XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received a letter dated XX/XX/2020 offering to refinance my mortgage with Chase Bank at a new interest rate of 3.625 %. The first page prominently states " No cost to you '', which is repeated three times on the first page. The second page states " {$0.00} closing costs '' and a detailed lists of sample closing costs with XXXX costs. 
I replied to the offer by applying, then received a phone call from a Chase mortage advisor. He asked me a few questions, then gave me some terms on a refinanced mortage with a higher monthly payment than what I am currently paying. After repeated questioning, he told me the mortage would include about {$2700.00} in closing costs. I told him about the letter, twice. He finally just admitted they meant " no closing costs up front ''. The letter does not say " closing costs folded into the principal '', it says " no closing costs ''. I then told him I was withdrawing my application and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Tried multiple time to link my XXXX account to my PNC accounts to easily transfer money between them and PNC will NOT allow it! This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
It's hard to use XXXX with PNC. I've used in the past but PNC made a change to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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