vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-24 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: TX

Complaint narrative:
On XX/XX/XXXX, Bank of America sent a letter in regards to my account ending in XXXX. Stating that " We've received notification that you've filed a petition for bankruptcy, case number XXXX. As a result of the filing, we've closed the above account. '' The bankruptcy mentioned in the letter has absolutely nothing to do with me ( or anyone I know or am acquainted with ) and was erroneously tied to my account by Bank of America. This is the second time in the past 3 years this situation has happened with Bank of America. 

I am not filing for bankruptcy and never have. 

In XX/XX/XXXX I received a very similar letter, but it did not state my account would be closed. After conducting my own research in XX/XX/XXXX I learned that an individual in Florida who is also named XXXX XXXX filed for bankruptcy, and somehow Bank of America tied it to my account. 

If Bank of America had proper procedures and steps to verify the identity of their account holders and data they receive from third parties, it would have been clear that the bankruptcy should not be tied to my account. 
After speaking with a Bank of America representative on MXX/XX/XXXX, she informed me that this most recent letter is still part of the same bankruptcy filing from XX/XX/XXXX ( case # XXXX ). 

In both 2016 and this most recent situation in XX/XX/XXXX, Bank of America has documented my account that the bankruptcy filing on my account was placed in error. 

However, Bank of America has still closed my account. 

Now this situation has negatively affected my credit due to the closed account, and they will not reopen my account without requiring me to reapply as if I'm a brand new customer. Even though they claim responsibility for the error. 

I refuse to have to go through the reapplication process because the hard credit inquiry will further negatively affect my credit. 

I have been an excellent customer for the past three years with excellent payment history, and my credit is being punished due to an error on their part. 

I request that the account ending in XXXX be reopened as it was before because Bank of America has accepted that it was an error on their part of having the bankruptcy filing on my account. Twice.

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 2019-05-24 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: NY

Complaint narrative:
Accounts on my credit file are unverified and unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I am in a hardship that started as the impact of hurricanes Irma and Maria, therefore, I had not been able to keep my account with Syncrony Bank open for their Pep Boys Credit Card. I had closed my account and had contacted the issuer of the credit card of pep Boys and they had raised all sort of fees and will not allow me to enroll in  their hardship program.

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 2019-05-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX  XXXX ; DEPT OF ED/XXXX XXXX XXXX ; DEPT OF ED/XXXX  XXXX XXXX ; XXXX/XXXX XXXX ; DEPT OF ED/XXXX  XXXX XXXX ; DEPT OF ED/XXXX XXXX XXXX ; XXXX/XXXX  XXXX XXXX XXXX XXXX ; XXXX   XXXX ; XXXX XXXX ; XXXX/XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Try to have them update the info placed on my credit report. They are not updating information on a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: NY

Complaint narrative:
Accounts on my credit file are unverified and unauthorized

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 2019-05-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Accounts on my credit file are unverified and unauthorized

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 2019-05-24 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: Real Time Group, Inc.
State: CA

Complaint narrative:
The reason for my filing of this complaint is that this company is still reporting an account that It has fully failed to validate as required by the FDCPA. I first requested validation of this company account on XXXX. And until today I am yet to receive any validation response that I had requested. As a result, I am preparing to file a lawsuit against this company should they fail to remove this unvalidated account from my report as soon as Now. 
BELOW is the unvalidated collection account that I need to be removed from my report ASAP : ACC XXXX, Date Opened XX/XX/XXXX, Balance {$5800.00} I am attaching for your reference : 1. My earlier request for Validation I sent to this company 2. My small claims form prepared to proceed with court filing in case they fail to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
In beginning of XX/XX/XXXX XXXX XXXX received a bill from XXXX on {$4100.00} for services we never ordered and never received. We promptly called XXXX. Per their request we filed an identity theft claim by police and attached it to our official claim on their site. 
On XX/XX/XXXX we received by email a notice that our claim # XXXX was received. 
When another bill came in, we called the number ( XXXX ) mentioned on the emailed notice. It was a wrong number. After hours of pressing buttons etc., someone agreed to take the claim number and settle the matter. 
The bills continued to come. 
On XX/XX/XXXX a letter was send to us from a dept collector XXXX XXXXXXXX XXXX. on behalf of XXXX. We mailed them back an explanatory letter with a copy of the police report and XXXX XXXX notice that our claim was received. Never heard from them again. 
On XX/XX/XXXX and on XX/XX/XXXX two letters were sent to us from another dept collector, McCarthy, Burgess & Wolff where the " dept '' grew to {$10000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: MS

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX XXXX XXXX XXXX  XXXX ; XXXX  XXXX ; XXXX XXXX ; XXXX/XXXX XXXX and XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: CA

Complaint narrative:
XX/XX/2017 I was at XXXX. A XXXX XXXX representative asked me to punch in my social security number in order to determine if I qualify for service with them and did not have any outstanding accounts. I asked to make sure it was NOT to run a credit inquiry, and was ASSURED it was not. However I now see it on my credit report as a hard inquiry!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: ERC
State: MI

Complaint narrative:
After checking my credit report in XX/XX/XXXX, I noticed items on my credit report that did not belong to me. I tried disputing with the creditor multiple times in XXXX and now in XXXX to make them aware of the inaccurate information and advise them of what I noticed on my reports. I was able to get in contact with XXXX, XXXX, and XXXX to place a fraud alert on my credit report to be cautious. I have never had a contract with ERC - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. ERC states that they have validated the debt, however, I never received a copy of the original creditors contract with my signature on it. I never had an account with XXXX and the debt is not my. This is fraud and against the law to keep this on my credit report. My credit report states that this was paid after the account was placed for collection - I have never paid an account with ERC/XXXX. This is negatively impacting my file. I have been disputing this for a while now and this has hindered my credit file tremendously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
On XX/XX/19 I disputed the account Waypoint Resources with the 3 credit bureaus. Each bureau stated that Waypoint Resources validated the debt was valid. So I reached out to Waypoint Resources via mail on XX/XX/19 requesting validation of the debt. ( tracking XXXX XXXX XXXX XXXX XXXX ). 
I have not received any documents from Waypoint Resources validating the debt. 
It is a violation for them to not provide validation and still don't delete the item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: Kansas Counselors, Inc.
State: MO

Complaint narrative:
Kansas Counselors Inc. and XXXX XXXX are reporting debts I do not owe. I have not been to the doctor 's since the 1990 's, these debts are not mine. Furthermore Kansas Counselors Inc is past the statute. The account # 's are Kansas Counselors Inc # XXXX and XXXX XXXX # XXXX. I do not owe these debts and they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Last Wednesday, XX/XX/XXXX at XXXX XXXX, my parents were contacted about my supposed " debt ''. I have already disputed this account and the fraudulent charges NUMEROUS times with no resolution. After each complaint I am promised that the account and charges will be deleted from my " account '' and credit report from Comenity Bank. I am getting very tired of the harassing calls and letters from this company. Now they are contacting my parents stating that they need to be in contact with me or my attorney. I am not sure where this is going, but contacting my family is off limits. I have never submitted any of my family 's information. After my complaint with the CFPB back in XX/XX/2019, I was told by Comenity that this account would be deleted and I would not have any further calls from them. I haven't received any calls, but why start calling my parents? I will repeat again, for about the 5th time to Comenity Bank, I DO NOT OWE THIS BILL AND HAVE NO KNOWLEDGE OF THE SUPPOSED CHARGES ON THIS ACCOUNT!!!! This is not fair debt collection tactics. I have disputed this on CFPB 3 times now and 3 times with the credit bureaus. Enough is enough!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
After Hurricane Irma, I was not able to make payments on my mortgage loan. Ocwen Loans said that it's ok that they would work with customers that has been devastated by the Hurricane, and XXXX XXXX XXXX region where I reside was hit hard. When I called the XXXX XXXX of Ocwen loan servicing, the forbearance plan which was put in affect in the amount of XXXX plus first payment stated it was due on XX/XX/2018. I spoke with a representative and she stated that the payment was due XX/XX/XXXX or XX/XX/2018. I advised her / the XXXX XXXX when I called in and formed me to make a payment on XX/XX/XXXX for the forbearance amount and that's my purpose of calling in that day. The representative did indicate that they have had several clients to call in and state that the XXXX XXXX  was providing this information. She also stated that she was fully aware of the situation and even though I missed paying that XX/XX/XXXX or XX/XX/XXXX that I would need to pay the {$910.00} then she stated know your mortgage went up {$6.00} and change so you need to ask me pay {$910.00} + at this time. I asked the representative several times that I need to pay the {$1400.00} Plus which was the forbearance amount and she reassured me that the only thing that I needed to pay was {$910.00} and change nothing more. The agent had gone on and stated that she will be reaching out to me within 30 days because, she was going to reinstate my forbearance agreement due to the negligence on the XXXX XXXX / OCWEN at that time. I again asked should I go ahead and pay her the XXXX and change the forbearance agreement and she stated NO that the {$910.00} and change was quite sufficient. The agent called me in about 27 to 28 days just to provide me with an update on the reinstatement and she stated that she was still working on getting that done. Two weeks later the agent called me back and apologize for the inconvenience and told me that it was nothing that she could do she understood that it was not my fault it was based on the XXXX XXXX in addition to that she apologized for giving me the missing information stating that she would get the plan reinstated. I've made several calls and advised them to listen to the recordings, even though they listened to the recordings they still fail to take ownership to their negligence and correct the situation. I've tried to get a another repayment plan which they have for. {$1900.00} and they still failed to send me an agreement to sign to confirm anything. It's just been negligence after negligence and now they're asking for me to pay {$13000.00} and XXXX cent by XX/XX/XXXX which is impossible. Or a minimum of {$12000.00} which is still impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX  XXXX XXXX and XXXX XXXX are reporting debts I do not owe. I have not been to the doctor 's since the 1990 's, these debts are not mine. Furthermore XXXX XXXX XXXX is past the statute. The account # 's are XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX. I do not owe these debts and they are not mine.

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 2019-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc.
State: MI

Complaint narrative:
I have a credit card from XXXX/XXXX XXXX. There are itemes on my charges that I did not purchase that were purchased fraudulent after Identify Theft. I have notified XXXX and they have now put me into collection with National Enterprises Systems.

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 2019-05-28 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:
on XX/XX/19 I submitted a dispute to Experian regarding the XXXX XXXX XXXX account that is reporting. Experian stated the account was valid. on XX/XX/19 I requested Experian provide me with the details on how they validated this account. Experian has not provided me with the details on how they validated the account. Experian is in violation for not providing me with the information I requested. 

I also reached out to XXXX XXXX XXXX and requested validation of the account. They also have not provided me with the information. 

So clearly this account was never validated and can not be validated.

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 2019-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I called PNC Bank to ask to have my PMI  removed. They said that I could not talk to the insurance   administration directly, that I had to send an email and all communication would be sent via mail. I find this very frustrating that I can not talk directly through email or a phone call regarding the PMI, that I have to communicate through mail. This takes a very long time, and seems to be a tactic to discourage people from getting their PMI removed. I received a letter about one month after my call stating that they could not remove my PMI because my loan to value ratio was 85 %. The letter stated " At the present time, the loan to value ( LTV ) ratio is 85 %. The investor requires that we calculate the LTV by dividing the current principal balance, {$260000.00}, by the purchase price, {$300000.00} or by the original appraisal value, {$320000.00}, whichever is lower. {$300000.00} was used in determining your LTV ( PNC Bank XXXX ). Then another letter came in stating that " The investor requirements state that you must show proof of value of your property, which would reduce the LTV to 75 % ... Loan investor requirements state that the appraisal must be processed by PNC, National Association ( PNC Bank XXXX ). '' To summarize my issues : 1. I can not speak directly to the PMI department of PNC Bank. All communication is through an initial email and then only mailed letters that are 30 days delayed. 
2. PNC will not use my original appraisal value, instead they choose to use the lower value, which is the original sale value to calculate the loan to value ( LTV ) ratio. 
3. PNC imposes a stricter LTV of 75 % rather than the Federal LTV of 80 % 4. PNC required me to use XXXX XXXX, which is jointly owned by PNC and XXXX at {$500.00} for an appraisal. They also will include additional fees if I live in a rural area ... which is not defined. They will not allow me to use my own appraisal company. 
5. The letter states that the appraisers scheduled by XXXX are independent contractors and are not employees of XXXX XXXX or PNC. I don't understand that because the company is owned by PNC, therefore they are employees of PNC and are not independent. 
I greatly appreciate you assistance. As of this year ( XXXX XXXX ) I have paid {$650.00} into the PMI that should be going towards payment of my home.

Company response to consumer: Closed with explanation