vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In XXXX XXXX, being XXXX years old, I filed for chapter XXXX bankruptcy for the first time in my life, after losing my job with XXXX XXXX in XXXX XXXX due to illness, which I was finally approved for Social Security XXXX  in XXXX, retroactive back to when I lost my XXXX XXXX position. 
Just prior to losing my job, I bought a new XXXX XXXX XXXX on XXXX XXXX, XXXX, financed by Bank of America. I have continued to make my {$550.00} per month payments on time. Since XXXX XXXX, Bank of America removed my online access to my car loan account, and stopped reporting my on time monthly payments to the 3 credit reporting bureaus. I have called Bank of America bankruptcy customer support 3-4 times since my chapter XXXX bankruptcy was discharged in XXXX XXXX, although my Jeep was never included in the bankruptcy filing. 
Even though my chapter XXXX was discharged in XXXX XXXX, Bank of America still refuses to reinstate my online loan access, and even more importantly, reporting my monthly on time vehicle loan installment payments. Bank of America also still has my account misclassified with the credit bureaus, as chapter XXXX and 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 2020-03-18 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: KS

Complaint narrative:
XXXX XXXX, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX  student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc XXXX  XXXX  File a complaint with the Federal Trade Commission if you feel you are a victim of any type of online fraud at ftc.gov/complaint and IC3.gov. Never give out personal ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express ( debt from XXXX ) hired XXXX XXXX - represented by XXXX XXXX ESQ. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX and XXXX XXXX XXXX. BAR # XXXX On XX/XX/XXXX XXXX XXXX XXXX ordered the sheriff to levy my bank account for a debt that belongs to XXXX who was added to my account to manage my bill pay. I was never notified by XXXX XXXX XXXX or by my bank about this levy. 
The company I work for makes a direct deposit to my bank account. 
XXXX went to withdraw the money to pay the rent but was told by the cashier that the account was levy two days ago. 
She told the cashier Mr. XXXX that this debt does not belong to XXXX XXXX and this is his account. He said that there was nothing that can be done. 
XXXX  contacted XXXX XXXX XXXX XX/XX/XXXX and spoke to lawyer XXXX XXXX explaining to him that the bank account belongs to XXXX XXXX and the debt belongs to XXXX. XXXX said he will contact American Express and have them release the funds and will notify her but he never did. XXXX called 2 days later and the next day but XXXX said there was no response as yet. ( Later, I found out that there were a 10 days hold on the levy. And within that time the funds can be refunded back to the original owner ). So Mr. XXXX XXXX was just stalling and only got back to her after the 10 days grace period was over with the response that they will not release the funds back to the account. 
On XX/XX/XXXX XXXX  went to the bank branch manager Miss XXXX XXXX and discussed the problem with her but she said there was nothing that she can do. So XXXX wrote the Bank cooperate office. Miss XXXX XXXX said she can not do anything but I can contact the sheriff. 
We spoke to Miss XXXX at the Sherriff department in XXXX XXXX and she explains to us that when the sheriff came to the bank, the bank associates are supposed to notify him that there is another person on this account and in that case this other person must be notified first before the account can be levy. I XXXX XXXX WAS NEVER NOTIFIED BY MY BANK. Even 2 days later after they levied the account. I did not get any alerts. And they all LIED TO us that there was nothing they can do. 
The bank made a big mistake by not informing me about this levy and refused to release my funds back to my account. 
XXXX XXXX XXXX made a mistake by taking my full salary for a debt that does not belong to me. 
Please CFPB kindly addresses the matter for this is not only a disgrace to our country but discrediting what we the USA stand for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: KS

Complaint narrative:
XXXX XXXX, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX  student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc XXXX XXXX File a complaint with the Federal Trade Commission if you feel you are a victim of any type of online fraud at ftc.gov/complaint and IC3.gov. Never give out personal ..

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 2020-03-18 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: KS

Complaint narrative:
XXXX XXXX, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc XXXX XXXX File a complaint with the Federal Trade Commission if you feel you are a victim of any type of online fraud at ftc.gov/complaint and IC3.gov. Never give out personal ..

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 2020-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: Rocket Mortgage, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX  CST, I spoke with XXXX XXXX ( XXXX, XXXX XXXX ) from Quicken Loans, as I was inquiring about the rates for a possible refi of my mortgage loan. XXXX provided the many options and explained how the refi processed worked. I told her that I purchased my home in XXXX and was interested in possibly lowering my monthly payment and the 4 % interest rate. I was not provided any information about the current rates. When XXXX said that she could pull my credit to get started, I told her that I wanted to talk to my husband first before doing that. I declined the credit inquiry. XXXX said that the hard inquiry would only have a minimal impact on my credit. XXXX insisted twice after the initial no that I get my credit pulled to see what I qualify for to save a return call. I declined again. XXXX texted me her phone number and faxed number and explained to leave a message if she did not answer, and she would return the call. Later the same day, I received an alert from XXXX stating a mortgage inquiry was processed against my credit. I texted XXXX about the inquiry. While waiting on her texted, I started the process of filing a complaint with the XXXX. XXXX later texted and said she thought I said okay to the authorization. I explained to XXXX that I never gave her authorization as I told her NO three times. XXXX stood by the untruth until I told her that Quicken could remove the inquiry and that I had planned to file a complaint with the XXXX, CFPB, & FED. At that time, XXXX apologized for the confusion and said she would do what she could to rectify the situation. However, I moved forward with the complaint as she has already demonstrated her dishonesty. Please have Quicken to update the bureaus and remove this unauthorized hard inquiry from my credit immediately. I was reluctant to move forward because I just recently opened two credit cards and wanted to discuss with my husband if it was even worth it to do a refi. Ive heard nothing but great things about Quicken Loans, but the unfair and deceptive tactics that XXXX used today goes against all the good Ive heard. The last four of my social is XXXX. My date of birth is XX/XX/XXXX. Date of occurrence is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In the 2nd half of XX/XX/2013, I engaged Chase Mortgage for a loan modification ( Primary Mortgage and Home Line of Credit ). This modification was granted and resulted in lower payments than the original agreement. However, it took Chase over 6 months to fully process and get payments and documents caught up and resulted in 5 late payment reporting ( s ) from 30 to 120 days on mortgage and 1 late payment on HL account. Loan modification payments were made and I followed all instructions from the loan servicing agent ( s ), and all loan payments prior to initiating the loan modification program and after were in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I have sent validations letter about this debt to the company itself asking more information regarding the debt and no validation letter has come back at all. Since no validation letter came back I dispute it with the credit bureaus yet the credit bureaus are stating that the debt is valid. I sent back to the credit bureau a message asking how was their determination hat the debt was mine made and nothing came back validated either since neither the company nor credit bureaus can validate this debt I would like this debt to be remove from my credit bureaus and that my credit report be updated without it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made extra payments to my mortgage so my LTV is 77 % but my mortgage bank Wells Fargo refuses to cancel my PMI without paying for a broker 's opinion or appraisal. They said it does not matter what my current LTV is, I either have to pay for the appraisal that determines my eligibility or wait for the date of 78 % specified on the amortization schedule that was generated on the loan closing date. According to the amortization schedule I received at the loan closing, I have to wait until XX/XX/2025 for them to automatically cancel the PMI. 
Is this legal? I need some advice. Thank you!

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 2020-03-18 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: Credit Bureau Services Inc.
State: NE

Complaint narrative:
INVESTIGATION RESULTS - VERIFIED AS ACCURATE The disputed item was verified as accurate. 
CREDIT BUREAU SERVICES # : XXXX XXXX  XXXX XXXX , XXXX XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX Original Amount : {$5300.00} Original Creditor : XXXX XXXX XXXX DBA XXXX ( XXXX XXXX ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : >PAID COLLECTION< I had made {$100.00} payments per month and more when available. on XX/XX/XXXX I made the finale payment of {$880.00} with confirmation # XXXX. the whole time I was making the payment I was under the assumption from Credit Bureau Services that this would be marked for deletion off of my credit report once paid in full. on the day that I had made the finale payment I had called to make sure that that was still the case. I was then informed that once it hits my credit report as paid in full that I would then need to file a dispute with XXXX XXXX to have it deleted off of my credit report. I filed this dispute on XX/XX/XXXX and got the above report back today XX/XX/XXXX. I then called XXXX XXXX and asked why it was not deleted as I was informed from Credit Bureau Services that was the way to do so. XXXX XXXX informed me that they do not do the deletion and that Credit Bureau has to do the deletion. I then called Credit Bureau and they said they don't do the deletion on accounts as they only report paid and not paid to XXXX XXXX. This is very frustrating for me since neither one seems to know what is going on or how to handle this and I was lied to through this whole process of paying the amount back and am trying to rebuild my credit score from this and start a family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This showed up on my credit report as a hard inquiry. XXXX/ XXXX . As a inquiry of XX/XX/2020. Cant call the company. Looks like fraud to me. I did not inquire.

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 2020-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I did not apply for this payday loan in the amount of {$780.00}. There was no documentation or communication sent to me stating that I owed this debt. I have requested validation of this debt several times. This is invalid information that has been distributed to the 3 major Credit Bureau 's ( XXXX, XXXX, and XXXX  ), this may be considered fraud under Federal and State Laws. I am requesting validation that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX I complained to Experian that my credit score and credit information has not been updated since XX/XX/XXXX. No action has been taken nor have I received notification of any action being taken.

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 2020-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
On XX/XX/2020 I received an alert that an ARS Collections company put a collections on my report for {$530.00}. I do not have any debt and certainly not with any collections company. I have contacted the company for validation of this debt and they are not able to provide it. Now I have a negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from this company, for a debt that I don't owe, which is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, since they can not validate the debt, they must request that all credit reporting agencies delete the entry. This has caused my score to decrease by 40 points and with the Pandemic of COVID-19 I need my credit for business purposes which may hurt my small business.

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 2020-03-18 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: NE

Complaint narrative:
INVESTIGATION RESULTS - VERIFIED AS ACCURATE The disputed item was verified as accurate. 
XXXX XXXX XXXX # : XXXX XXXX   XXXX XXXX , NE XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX Original Amount : {$5300.00} Original Creditor : XXXX XXXX XXXX DBA XXXX ( XXXX XXXX ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : >PAID COLLECTION< I had made {$100.00} payments per month and more when available. on XX/XX/XXXX I made the finale payment of {$880.00} with confirmation # XXXX. the whole time I was making the payment I was under the assumption from XXXX XXXX XXXX   that this would be marked for deletion off of my credit report once paid in full. on the day that I had made the finale payment I had called to make sure that that was still the case. I was then informed that once it hits my credit report as paid in full that I would then need to file a dispute with trans union to have it deleted off of my credit report. I filed this dispute on XX/XX/XXXX and got the above report back today XX/XX/XXXX. I then called Trans Union and asked why it was not deleted as I was informed from XXXX XXXX XXXX   that was the way to do so. Trans Union informed me that they do not do the deletion and that XXXX XXXX has to do the deletion. I then called XXXX XXXX and they said they don't do the deletion on accounts as they only report paid and not paid to Trans Union. This is very frustrating for me since neither one seems to know what is going on or how to handle this and I was lied to through this whole process of paying the amount back and am trying to rebuild my credit score from this and start a family.

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 2020-03-18 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:
On XX/XX/20 and XX/XX/20 I spoke with a Penny Mac representative about refinancing my existing mortgage, which Penny Mac currently holds. They knew that I am a current Penny Mac customer. This representative plainly and repeatedly assured me that Penny Mac would meet or beat any other offer and, specifically, the offer I currently had from my credit union. I was trying to compare offers to make an informed decision about my most important asset - my home. 

Instead, Penny Mac used a " bait and switch '' tactic. I made sure their representative understood that the reason I agreed to complete an electronic application with her and with a credit card payment of {$440.00} was because I expected that I had nothing to lose even if my credit union 's offer came in better the next day - even if it was better, Penny Mac would meet or beat it.

( I was anxious about this because the verbal rate quote of 3.1 % from my credit union was lower than the verbal quote from Penny Mac. ) The credit union provided me with loan specifics at the original rate of 3.1 % on the afternoon of XX/XX/20, which I emailed at that same time to Penny Mac 's representative for comparison. I followed up this morning, XX/XX/20 with an email and then a phone call. 

The representative said she would talk with her manager,  but came back and said they couldn't beat the credit union 's offer. I asked to speak to the manager ( XXXX XXXX ) ; I  asked the manager to listen to the telephone recordings of conversations between me and his representative to verify my objection to this sudden inability to follow through on the offer that enticed me to sign their application and allow my credit card to be charged. He said they couldn't beat the offer, that they only promised to try and that my expectation was unreasonable because their mortgage company wouldn't make enough money off of my loan. 

I sent three emails this morning ( XX/XX/20 ) directing anyone and everyone who contacted me about this refinance matter to STOP this process for going any further. I also placed a dispute with VISA to get my money back, but I would prefer that Penny Mac reverse the credit charge of {$440.00} without further delay. And I want them not to do this to anyone else.

Company response to consumer: Closed with monetary relief