vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America missed a property tax payment ( 1 Quarter - XXXX {$1100.00} ) due in XX/XX/XXXX when they first originated the loan. However, they kept on making regular payments for following quarters and everything else is good. On XX/XX/XXXX, BofA took out {$1100.00} from my escrow account as tax payment. However, when I realized I have a balance due from XXXX, I checked XXXX Dept of Finance website to see the payments that were sent. That XX/XX/XXXX payment was never applied on Dept of Finance. BofA never realized this was not applied on Dept of Finance. 

On XX/XX/XXXX, BofA took out another payment {$1000.00} from my escrow account and this was partially applied for XXXX balance due ( at this point there're about {$90.00} in interest accrued over the year ). Since extra payment was taken out from my escrow account, it was showing XXXX in my escrow balance. 

In late XX/XX/XXXX, I started refinancing process with 2.5 % with another lender. I have been trying to resolve this outstanding tax payment and extra payment taken out from escrow account. I have went thru many channels phones, messages from website, and barely got replies. Finally, I got a chance to speak to a manger and they found out XX/XX/XXXX payment was missing at Dept of Finance. They credited back {$1100.00} to my escrow account. 

However, there's still an outstanding tax balance from XXXX in the amount of {$87.00} as of XX/XX/XXXX and it keeps changing due to accrued interest. I have called BofA several times to escalate and get the whole outstanding balance paid. On XX/XX/XXXX, BofA took out {$80.00} from my escrow account to supposedly pay for outstanding balance which are accrued interest from XXXX. I have requested BofA to recredit this payment to my escrow account since I'm not supposed to pay interest for BofA mismanagement and payoff that outstanding tax payment once and for all. I have mentioned several times that I'm refinancing with another lender for 2.5 % ( down from 4 % ) and this is holding up the process. My interest rate lock has been extended several times ( free for now ) but for whatever reasons, if they start charging interest, and the rate goes up, I will be in trouble. Even after escalating thru many channels for months, I can't get this outstanding balance paid from 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 monetary relief
Consumer complaint received 2020-11-19 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 
Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX are held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2020-11-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2020-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
Standard Mortgage does not want to assist me with a loss mitigation or loss modification. They said because they wants to be listed as the first lien holder. I am current on my first lien holder at this time.

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
On XX/XX/XXXX I received a phone call from someone who claimed they worked for XXXX XXXX XXXX A firm that had been tasked with collecting a debt I owed to my XXXX credit card that had been issued through First bank Nation of Omaha in XXXX. The firm representative called my partner since didnt have my contact and thats how she got my number. She told me that her law firm was preparing documentation to have me arrested for the debt of {$1700.00} that I owed to XXXX. She threatened me with arrest and told me I had to make the payment in full to avoid it. I told her I didnt have that much money in my account and for fear of being arrested I asked her for my other options. She suggested that if paid 40 % of what I owed, my debt would be settled. I ended up paying {$710.00} using me debt card to her over the phone to XXXX XXXXXXXX XXXX as shown on my bank statement and I was told a receipt would be mailed to me and that the debt had been settled and would reflect XXXX balance. I didnt think much of it until a derogatory debt from First Bank National of Omaha showed up on my credit report earlier this month showing full balance of what I owed for my scheels credit card. I did more digging into the payment I had made but was not able to get a lot of help from XXXX XXXX XXXX  and my bank cant dispute the payment as its been almost a year. The bank suggested I fill out a police report but I did more research it brought me to this.

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I was fraudulently charged {$560.00} on XX/XX/XXXX for something in XXXX XXXX XXXX. This place is in California and I have never been in California before because I live in tennessee. I have continuously called chase about this every day since XX/XX/XXXX and they keep hanging up on me. I never made this charge and I dont know how some random person in california could have even made this charge. Chase has done nothing to be transparent and the person in charge of my case named, XXXX XXXX XXXX XXXX XXXX extension : XXXX ) has never picked up any of my calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
See attached letters from Capital One. Capital One closed the accounts on XX/XX/XXXX due to theft and the subsequent fraudulent payments. Capital One then charged off the accounts in XX/XX/XXXX. Then On XX/XX/XXXX, Capital One stated We are pleased to inform you that your dispute regarding the account balance on your Capital One account has been resolved in your favor. We have credited your account. Then starting in XX/XX/XXXX, Capital One claims they found no signs of fraud and the denial of fraud continues to this day. And then one card was sold off. Why was just one card sold? 
I do not understand. If accounts were adjusted due to theft and fraud ; why was fraud denied? And why were cards adjusted after charging off? I was not given the opportunity to continue paying the card debt that was mine? I could not and can not afford the lump sum.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
I had a loan with XXXX XXXX that is now paid in full. The amount was roughly XXXX. In XXXX of XXXX, due to covid-19, I was granted 4 extensions. After granting me the extensions, XXXX continued to send me statements monthly. These statements, which I will provide, showed me what was owed for that particular month. I also could view these online. When I received my XXXX statement, the first one with a balance owed following the extensions, it showed that I owed XXXX with a due date of XX/XX/2020. I paid this XX/XX/2020. Following this payment, I was bombarded with statements and the amounts owed grew. I immediately contacted XXXX and was told that I owed this money and there was nothing they could do. I told them my monthly statements did not reflect this. I contacted them daily and was able to get them to correct the balance a bit but, they did not want to truly cooperate. I paid them 3 times in XXXX and the balance was paid in full in XXXX. I sent certified mail to XXXX to ask them to remove negative remarks from my credit report. I have filed disputes repeatedly. I am hoping if someone can look at these statements and see what I am talking about. I have never been 30 days late with them! This is their mistake and they need to rectify this. This has been extremely stressful and is going to cost me at least {$3000.00} in finance charges because of my current score with them reporting a late payment. I will pursue this further. They have also changed the late dates a few times on my credit report. First it was XXXX, then XXXX and finally XXXX. The first statement reflecting an amount past due does not even correspond correctly with the previous statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Loss mitigation drafts from insurance company sent to Mortgage holder for countersign and return for {$7000.00}, {$720.00} for repairs to property, originally sent in XX/XX/2020, and have had no return or contact from Mortgage holder, additional information regarding work appraisals submitted as requested in XXXX/XX/XX/2020, and still no return of funds as requested, document relieving Mortgage holder of lien against property not returned as account from service provider has been sent to collections. They are responsible for lien/negative credit reporting initiated against complainant.

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 2020-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEMS - They have filed a derogatory collection account in my credit file apparently for a rental apartment I have no knowledge about and never lived at. XXXX XXXX and XXXX have all confirmed that my personal information has been compromised on the dark web. I have been attempting to have them remove the account without progress,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2020-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX - 1st Dispute letter for credit file discrepancies/inaccurate information XXXX XXXX - RE : Request to provide Method of Verification XXXX XXXX - 3rd and Final Notice to Cure XXXX XXXX XXXX1st Dispute letter for credit file discrepancies/inaccurate information XXXX XXXX  - RE : Request to provide Method of Verification XXXX XXXX - 3rd and Final Notice to Cure XXXX Transunion -1st Dispute letter for credit file discrepancies/inaccurate information XXXX Transunion - RE : Request to provide Method of Verification XXXX Transunion - 3rd and Final Notice to Cure The credit reporting agencies have failed to removed inaccurate address, phone and account information, including bankruptcies public record that were reported by a 3 party and not the original creditor, that is hindering my ability to conduct commerce and re-establish credit for housing and job opportunities including my spouse ( XXXX XXXX XXXX ) whom has given me authorization to dispute items on her report as well. ( See Complaint # 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 2020-11-19 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: IN

Complaint narrative:
XXXX XXXX - 1st Dispute letter for credit file discrepancies/inaccurate information XXXX XXXX - RE : Request to provide Method of Verification XXXX XXXX - 3rd and Final Notice to Cure XXXX Experian -1st Dispute letter for credit file discrepancies/inaccurate information XXXX Experian - RE : Request to provide Method of Verification XXXX Experian - 3rd and Final Notice to Cure XXXX XXXX -1st Dispute letter for credit file discrepancies/inaccurate information XXXX XXXX - RE : Request to provide Method of Verification XXXX Transunion - 3rd and Final Notice to Cure The credit reporting agencies have failed to removed inaccurate address, phone and account information, including bankruptcies public record that were reported by a 3 party and not the original creditor, that is hindering my ability to conduct commerce and re-establish credit for housing and job opportunities including my spouse ( XXXX XXXX XXXX ) whom has given me authorization to dispute items on her report as well. ( See Complaint # 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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX student account number is XXXX refuse to remove a old student loan from 33 years ago off all 3 of my credit reports and I'm on XXXX they supposed to be removed anyway by law they say it takes 3 years to wait while I'm on XXXX to discharge the loan and it has been 3 years

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX student account number is XXXX refuse to remove a old student loan from 33 years ago off all 3 of my credit reports and I'm on XXXX they supposed to be removed anyway by law they say it takes 3 years to wait while I'm on XXXX to discharge the loan and it has been 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX student account number is XXXX refuse to remove a old student loan from 33 years ago off all 3 of my credit reports and I'm on XXXX they supposed to be removed anyway by law they say it takes 3 years to wait while I'm on XXXX to discharge the loan and it has been 3 years

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 2020-11-19 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 
Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX are held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation