vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 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: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I have a card from FNBO and I normally keep a XXXX balance since I pay it off every month. I did a balance transfer 2 months ago and they're transferring my debt from the balance transfer queue to the higher rate part of the card. New payments are going solely to the transfer amount at the lower rate and nothing is being applied to the new charges that will all carry the higher interest rate. Per the card act, payments over the minimum payment should be applied to balances with the higher rate- those new charges will carry the higher rate. Please help me fix 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 2020-09-03 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTAGATION RESULTS. IT HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/20 30DAY DEMAND XX/XX/20

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 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I had previously filed a complaint regarding PennyMac Mortgage but would like to add retaliation to it now. My initial iterations are noted in my prior complaint. XXXX with the priority complaint team did quickly call and was highly apologetic, so I did hold off on further complaints ; but did continue to send additional documents to a manager who was reviewing my application. It was quick to determine that the initial agent did review much of my file and had double counted about half of my debts along with not addressing other items such as transfers between my accounts. My gut feeling and general instinct from here, being that I had to escalate my complaints with their negligence ( possibly gross negligence ) and poor service, was that they would need to find a way to cover for their errors and poor care, or to find a way to retaliate against my complaints. However still curious to see if they actually would or not.

As my time has been pressing and PennyMac had already wasted a lot of it, I sought other lenders who I was not a current customer of. There the customer service was considerably better. They did stop to ask the right questions when needed and in only a few days they were able to get pre-approvals out and I have been able to move forward on my transaction. Additionally they stated to me that they could approve me for a considerable amount more than I was asking for. Their rate is the same that I was quoted from PennyMac but unfortunately I have more in fees as I'm not an existing customer. But unbelievable how much better and responsive the service has been. 
Still waiting on PennyMac, though I am approx 2 weeks in with the other lender, but only really due to curiosity at this point ; to see if they will continue with the retaliation I had suspected. Again to try and cover for their initial errors and poor care and service or as retaliation for my complaints and sure enough, the mgr or whatever his position continued to play with why they had to double count items and rearrange other income of mine to note come up with the right amounts. All a conclusion I had expected several weeks prior and I was kind of grinning while listen to it actually play out. Just surprising that a company in such an important filed is allowed to operate with such little ethics or integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a Merrill brokerage account in XX/XX/XXXX in branch. At the time I believe I was offered {$1200.00} in bonus for opening the account. I have funded the account the same month and met all other requirements. To get the bonus I was supposed to wait 6 months, which I did. 

On XX/XX/XXXX I contacted Merrill support to enquire about the bonus because it was already more than 6 months and I haven't received it. I was told that the person who helped me open the account has not submitted bonus request for my account. So either Merrill representative lied to me or there was a problem in the Merrill system. The support representative said that they can submit application for my bonus. 

On XX/XX/XXXX I had another conversation with support confirming that I will get a bonus. I was told that I can either get a {$900.00} bonus or if I wait another 3 months I will get a {$1500.00} bonus. I agreed to the latter and asked for email confirmation. The representative verbally confirmed that they will send the email, but I never received it. 

On XX/XX/XXXX I contacted Merrill support yet again to inquire about the bonus and ask to get an email confirmation for specific dates and amount I can expect to get. I got another verbal confirmation, but never received any emails. I also asked what would be the latest deadline for the bonus. I was told that I will definitely get it by XX/XX/XXXX or earlier. I notified the representative that if I don't received the bonus by XX/XX/XXXX I will be forced to file a Consumer Financial Protection Bureau complaint against Merrill. 

On XX/XX/XXXX I contacted Merrill support yet again to confirm that we are on track and asked why I have not received any email confirmation. The representative confirmed that I should get a bonus, but he doesn't know the date and he said he will contact me if the date is later than XXXX XXXX or if there are any other issues. I have not received any communication since then and I have not received my bonus. 

At this point I have no choice but to file a complain as Merrill consistently failed to deliver on their promises.

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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
In XX/XX/XXXX my husband and I refinanced our home mortgage with First Tech Federal Credit Union. We were waiting for our new loan statement in order to start payment, however we never received any mortgage statement for our new loan, but in XXXX, we got notice that we were late on our mortgage, and once we were able to get information about where and how to pay our new mortgage, we did so immediately. This was all news to us, as we had just thought that we would start our new payments in XXXX, since we were told you typically miss one months payment when you refinance.

After this incident, First Tech Credit Union, reported us to the credit bureau for the delinquency and would not remove the delinquency even after multiple attempts and calls to do so. 

Fast forward to XX/XX/XXXX. We sold our house in XXXX and moved back to XXXX XXXX, XXXX. In XXXX of XXXX we tried to apply for a loan to buy a home and we were informed that our credit report said we are delinquent AGAIN for payment in XX/XX/XXXX! First Tech Credit Union reported us for late payment, even though our mortgage was paid off! My husband and I called multiple times and First Tech member services admitted that it was an internal mistake and they can see that we paid off our mortgage in XXXX, and they are not sure why it was reported delinquent! They expressed that they informed the right department, but every time we call, we are given the run around and no one is taking responsibility for this issue! 

Due to the negligence and internal mistakes of First Tech Federal Credit Union, my husband and I and our XXXX young children are unable to buy a home, and are even having trouble renting. We are highly educated, make great money, and we work very hard. We have been home owners for years, and now, due to these errors on the part of First Tech, we are unable to secure housing! I will continue to slam First Tech Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I have mailed letters to Vance & Huffman Llc as well as spoke on the phone with the company stating I need validation of this debt they claim I owe. I have yet to receive a contract with my signature, nor have I received any form of mail correspondence pertaining to this debt. They are reporting on my credit which effects my employment. 

I spoke to the original creditor and was told that I have a XXXX balance with the company. I request that this account be closed and removed from my credit due to the fact I don't owe this debt and the company has failed to provide any documentation which is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TN

Complaint narrative:
I have made multiple attempts to contact this collection company on the ownership of this account. I've submitted multiple credit bureau disputes for the furnishing of ownership and documentation. The documentation showed an application with a social security number that does not belong to me ending in XXXX. I believe that this account belongs to someone else with a similar name.

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 2020-09-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my report, I am seeing several inquiries that I did not authorize and am unaware of. I have reached out to the companys directly, who told me to call a three bureaus ( which I did XXXX and have been going in a big circle with trying to get theses unauthorized inquiries off.

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 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CT

Complaint narrative:
I went into XXXX XXXX in XXXX ct. XXXX XXXX XXXX was running a promotion that if you switch your cell provider to them they would pay off remaining balance to your current cellphone provider on all the lines. They sent me the agreed gift card in the mail for switching service to them, but never paid off XXXX outstanding amount. Now it is in collection and being reported as {$300.00} that I owe. They have transferred to XXXX XXXX and to Jefferson Capital systems LLC. They are breaking FACRA and falsely reporting that I owe it and that It is a new debt incurred In XXXX of 2020. I changed carriers and this all took place over 4 years ago. XXXX XXXX XXXX needs to pay XXXX and they need to remove this off of my credit. I only switched to XXXX XXXX XXXX for the promotion that they paid off XXXX and did not due so. I did not go into the mall that day with intentions to switch and then was convinced and lied to and now is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: FL

Complaint narrative:
ATTENTION CONSUMER FINANCIAL PROTECTION BUREAU Experian continues to CLOSE MY DISPUTES AS EITHER DUPLICATES OR WIH THE FOLLOWING RESPONSE TO MY COMPLAINT " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number that displays on your Experian personal credit report, or visit our secure web site at www. experian.com/dispute. '' I have been sending letter and uploading documents since XX/XX/2020 up until today XX/XX/2020. I have notified Experian of a FRAUDULENT MORTGAGE COLLECTION IN MY NAME. 
1 ) I HAVE PROVIDED THE FTC AFFIDAVIT.

2 ) I HAVE PROVIDED TWO SEPARATE POLICE REPORTS.

3 ) I HAVE SUBMITTED 5 REQUESTS IN WRITING TO BLOCK XXXX/XXXX XXXX   XXXX FROM MY CREDIT FILE PER EXPERIAN 'S DETAIL GUIDELINES DUE TO FRAUD. 
4 ) I HAVE SUBMITTED 14 LETTERS OF DISPUTE TO EXPERIAN FOR XXXX XXXX XXXX. 
5 ) I HAVE SUBMITED 14 LETTERS REQUESTING THAT MY PERSONAL STATEMENT " I AM THE VICTIM OF FRAUD. XXXX/XXXX  XXXX   XXXX  IS NOT MY ACCOUNT AND I HAVE FILED A POLICE REPORT OF FRAUD FOR XXXX/XXXX  XXXX XXXX  ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
In a XX/XX/XXXX letter from CMG Financial, I received acknowledgement that my mortgage loan had been paid in full, and that any funds in excess of the payoff amount would be processed and returned in accordance with applicable state and federal laws. 

They claim that a letter with my refund is " in the mail '', and was allegedly sent on XX/XX/XXXX. It is now XXXX  XXXX, 35 days later after the loan payoff, and I have not been reimbursed for approximately {$9000.00} which owed to me. Furthermore, they told me that if I do not receive it by XX/XX/XXXX, to call back ( that would be about 62 days ). Is  that within federal laws, and should I be allowed interest on the {$9000.00} as they would charge me if I were late in my mortgage payments? 

Their service is the worst, and they want you to reregister on their new website because they don't want to talk to you on the phone and actually say so on their reception recording. Their new website did not allow me to register allegedly because my loan has been paid off and therefore, I am not allowed to get any info on my loan. Really???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received an SBA loan for my business via chase bank for {$140000.00} on the XXXX of XXXX, I went there withdrew {$5000.00} to make a business purchase which I was allowed to. On Monday I went to the bank to make other payments on my business but was told to come back based on appointment the next day. 

The next day I went to the bank and was told my account and funds had been frozen along with a letter sent by mail that they were taking actions to close my bank account based on suspicious activity on the account. I went to the bank to find out more about this claims and they insisted that if I wanted to retain the account I needed to bring prove of the business along with the loan. I sent in all documents of Incorporation, EIN documents, my loan documents and all documents pertaining to my business. 

Was told within 2 days I would get a response from them. Its been more than a month and some days and all I get from them is a run around, they tell me I need to register the business in Florida but its already a registered business in Washington where the business is actually located and Florida is just my state of residence, yet they insist that I must register it in Florida which I dont find advisable since I do not operate my business in Florida, Secondly I have taken all prove of business to them already which should be sufficient enough but rather I am getting a run around each time I visit the bank or call to check on my account status. 

I have been given the run around over and over, I called the number I was given by the bank manager and after calling and being on hold for over hours they said they were going to hold on to the money in my account without giving any reason to it. 

Please I would like you to assist in getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX my husband and I each set up a credit freeze with TransUnion as a result of our personal information having been compromised. After many attempts with the on-line system which would not work at the time, we spoke with a representative that sent us a PIN and set up the freeze on the phone. 

On XX/XX/XXXX, we attempted to access our accounts. The on-line system would not recognize our information. I called three different numbers for Customer Service, and could only get a voice answering system, which continued to repeat the same options, none of which applied to our question. When I entered all of the personal information in the voice prompts to see if I could get through, the system again said it did not recognize the information. Even when we were given the option to reach a person, the same loop continued. I have not been able to contact them regarding the freeze on our accounts. 

How is a consumer supposed to manage their credit if they can not contact the company? 

TransUnion has consistently been a problem. I can not understand how such an inept company is allowed to access and manage such important and personal information as that contained in a credit report. I have no confidence that they are capable of protecting this sensitive 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
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
Mortgage company was Ocwen Loan Servicing and transferred to PHH Mortgage last year 2019. I could no longer make payments online to Ocwen. I contacted Ocwen over the telephone and they stated they no longer have my mortgage account and it was bought by PHH. I called the new number provided with my same account number and social security number and no account was found. Throughout this confusion I was in and out of the hospital for XXXX XXXX. I was admitted to the hospital and received a XXXX transplant XX/XX/2019. I have all documentation of contacting the law firm that took over my account, XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. We have spoken in regards to my account ONE time and now it is in foreclosure.I am not getting anywhere with my account. I want to keep my account and house.I do not want it sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: FL

Complaint narrative:
After reviewing my report, I am seeing several inquiries that I did not authorize and am unaware of. I have reached out to the companys directly, who told me to call a three bureaus ( which I did ) and have been going in a big circle with trying to get theses unauthorized inquiries off.

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 2020-09-03 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:
After reviewing my report, I am seeing several inquiries that I did not authorize and am unaware of. I have reached out to the companys directly, who told me to call a three bureaus ( which I did ) and have been going in a big circle with trying to get theses unauthorized inquiries off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
{$1500.00} transferred to a bank acct fraudulently, on the same day that I spoke to teller at my bank about money transfers from XXXX and she told me only {$1000.00} possible a day. 

On hold now, no customer service available, been on hold for hrs. When I spoke to US bank person on the fraud line. ( Thought they would help me ), they transferred my call back to the reliacard no response number. I will not accept this! 

I have run for the US House of Representatives, and I am archived in the Library of Congress. This is criminal lack of care for poor victims of fraud. 

I will file criminal and civil charges against US Bank. I am Pro Se and IFP.

This is what fascism looks like 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