vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and a couple of inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$70.00} XXXX XXXX {$4800.00}

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 2020-02-20 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and a couple of inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX {$4800.00}

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 2020-02-20 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: AR

Complaint narrative:
I wanted to cosign a vehicle for my daughter and I was told by the salesman that my credit was terrible and that I was not eligible. I asked him what was the reason behind that and he refused to give me that information. I went home and pulled my credit to myself to see what was happening. I found many unknown fraudulent items being opened under my name, social security number and address. This is very unacceptable and I need these items to please get removed fro my credit report. 

XXXX SELF-REPORTED XXXX {$90.00} XXXX SELF-REPORTED XXXX {$100.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$190.00} XXXX  XXXX XXXX {$380.00} XXXX XXXX {$770.00} XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Amsher Collection Services sent me a bill 5 days after receiving my final bill from XXXX. They placed this collection account in all 3 credit reports with a balance of XXXX due immediately on XX/XX/XXXX. Which my final bill from XXXX is XXXX and was not due until XX/XX/XXXX. They will not remove this inaccurate information from my credit file. And I do not understand how they can have a collection due prior to my XXXX bill being due. And this company is reporting false amounts due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
On XX/XX/XXXX, I switched to XXXX XXXX for my homeowner 's insurance. RoundPoint Mortgage didn't pay them. I called once each month to get the problem resolved. XXXX  just kept sending bills. I was cancelled three times as RPM refused to pay XXXX  ; they then became in arrears and didn't pay that either. Finally, I got fed up with both companies and switched to XXXX on XX/XX/XXXX. I had XXXX and RPM on the phone at the same time to get everything straight. RPM then decided to pay XXXX  AND XXXX (?????. ) They sent me a letter saying that my escrow was in arrears and I would have to " pay it or else. '' I called them and they told me it was MY responsibility to get a refund from XXXX  even though it was THEIR error. On XXXX XX/XX/XXXX, I paid them {$270.00} and was " assured '' all was well. Two days ago I received a bill saying that I owed an additional {$490.00}. Of course I called them yesterday and inquired as to why I owed additional money. They couldn't give me an answer other than " you just do. '' This call took thirty-eight minutes and twenty-seven seconds. I asked to speak with management and was told " they are all in a meeting. '' I was assured that one would call me back ; which we all know never happened. I called my closing agent to find out what my rights are. She told me it would be more costly for me to refinance for ten years with another company. She informed me to demand that my insurance and taxes be removed from my loan and to report this company to you. I have signed and emailed them an Escrow Waiver. They don't know what they are doing, their notes don't make sense to them, and they are completely disingenuous. They have caused me a great deal of stress and I still don't have this issue resolved. Please prosecute them to the fullest extent of the law. They truly deserve worse. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My primary checking and savings accounts were frozen by Bank of America ( BoA ) on or around XXXX XXXX XXXX. I was not notified or aware of this until XXXX XXXX XXXX after receiving information from my university 's financial aid office that my tuition payment was rejected due to a " Dishonored Account. '' I promptly called the BoA customer line ( XXXX ) at XXXX XXXX on XXXX XXXX XXXX and spoke to a representative. I was informed that my account was frozen because there was missing information from a co-owner, my mother. She does not have access to the account and should have been removed from co-ownership over a year ago. However, BoA 's records indicated that she is still a co-owner on the account. I am the sole owner of the accounts and have been since I opened the accounts in XXXX. The representative informed me that my accounts could not be unfrozen until XXXX updated " profile information '' with the bank. Federal Customer Identification Program ( CIP ) laws were cited as the reasoning behind the frozen account.  Getting nowhere with the representative on the phone, I visited a local BoA branch in XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and spoke with a Relationship XXXX, XXXX XXXX. Initially XXXX XXXX was not able to even locate my accounts in the system using various points of information -- including my SSN and previous addresses. Once we were able to locate my accounts in the system, a message indicated that we needed to call the Texas branch of BoA and speak with a representative over the phone. Again, I was told that the co-owner must " update profile information '' before the account could be unfrozen. No information about the nature of " profile information '' was given and at no time was proper notice given to me. XXXX CFR XXXX - " Customer identification programs for banks, savings associations, credit unions, and certain non-Federally regulated banks '' laws do not require additional information be provided to the banks after the initial opening of accounts -- which occurred around 11 years ago. I believe my accounts have been frozen under immigration/citizenship questioning as many others have reported with BoA since XXXX -- despite both co-owners being natural-born citizens. I believe that these actions are unlawful and these actions by BoA have caused several of my normally occurring bills to bounce, become late, negatively impact my credit, and incur additional fees from billing agencies. This has caused me undue financial hardship and negatively impacts my job status as I have needed to spend hours away trying to sort it out.

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 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
See previous, ongoing complaint but more added to the problem. 

XXXX I received another " Home Loan Account '' statement this month with more errors. 

I spoke to representatives ( XXXX XXXX and XXXX XXXX ) in BoA 's servicing department who admitted they had misapplied an extraordinary payment ( sent at their direction, following their directions XXXX to reimburse wrongly continued escrow account. 

They waited over 6 weeks to tell me of the error and only admitted it when I pressed them on a call but refused, to date, to send me an apology ( that they promised ) and corrected documents. 

I have tried to follow up with emails and calls and I have been ignored. 

This problem stems from an improper payment of taxes that they paid to the District of Columbia over 6 months ago!

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 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: AZ

Complaint narrative:
I paid a collection in full to XXXX XXXX XXXX on XX/XX/2015, account # XXXX. The original creditor was XXXX XXXX XXXX. 

This complaint is about Pendrick Capital Partners LLC. Their account is XXXX. They sent me a collection notice for a debt that was paid. I sent receipts over email showing it was paid. They claimed they needed more information. I contacted XXXX XXXX XXXX and was told they no longer had information on my account as it was too old. Pendrick Capital demands information from the previous creditor who no longer has this information. Receipts are apparently not good enough

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
1 ) Account Info Creditor : Commonwealth Financial Original Creditor : XXXX XXXX XXXX, XXXX Account number : XXXX Collection opened : XX/XX/2019 Account type : Collection Department XXXX Agency / Attorney Balance Loan Amount {$650.00} {$650.00} Payment Info Original loan amount : {$650.00} Balance : {$650.00} Updated on XX/XX/2019 Contact : XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Creditor : Unknown Collection Opened : Unknown Account type : Collection Department / Agency / Attorney Balance Loan Amount : {$26.00} Payment Info Original Loan Amount {$25.00} Balance : {$26.00} Updated on : Unknown Contact : Unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: H. Kent Hollins, Attorney at Law, P.A
State: CA

Complaint narrative:
The debt collector H Kent Hollins filed for garnishment 4 times including emptying my bank account. They have repeatedly harassed me with phone calls at all times day and night. They filed a lawsuit against me for XXXX $ owed. Which was due to me moving out of state and have sent communications to my employers regarding my debt. Since they bought the debt ( to which I tried settling with the original debt or as well as trying to settle with the collector and the collector refused to settle ). They have levied multiple unexplainable fees, 300 % over the original amount and will also charge additional fees to pay over the phone etc. They are not out to settle a debt, they bought a debt and have levied fees against it in order to balloon the balance. I have reported them to the XXXX, the KS Attorney General as well as you guys in order to stop their aggressive collection practices, their defamation via garnishment and their addition of misleading fees against a debt that has been paid for all intents and purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Due to unexpected financial difficulties, I fell behind on my car payment. Initially, I was late about two weeks or so, however, I am now paying approximately 30 or so day after the payment due date. 

During this time, which began around XX/XX/2019, the company has been charging me a late fee after my 10 day grace period. I have not requested fee waivers as I understand how my grace period works. I own approximately {$250.00} in late fees. 

Since I am unable to make a {$1200.00} payment to bring myself current, the late fees continue to accrue. To help avoid more fees, I asked the lender if they offered any kind of assistance programs to help me get current. The lender advised they offer a payment extension program that would take the past due payment ( s ) and roll them to the end of the loan. When I asked to participate in the program, I was told the loan had to be current and the Late Fees had to be paid off. 

What's the point of offering an extension program, when the lender requires that the loan is current. If the loan is current, I wouldn't need an extension of payments. IN addition, how is a lender allowed to offer such a program, but require a customer to pay the total late fees in order to participate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-20 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: AR

Complaint narrative:
I wanted to cosign a vehicle for my daughter and I was told by the salesman that my credit was terrible and that I was not eligible. I asked him what was the reason behind that and he refused to give me that information. I went home and pulled my credit to myself to see what was happening. I found many unknown fraudulent items being opened under my name, social security number and address. This is very unacceptable and I need these items to please get removed fro my credit report. 

XXXX SELF-REPORTED XXXX {$90.00} XXXX SELF-REPORTED XXXX {$100.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$770.00} XXXX XXXX {$2000.00}

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 2020-02-20 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: AR

Complaint narrative:
I wanted to cosign a vehicle for my daughter and I was told by the salesman that my credit was terrible and that I was not eligible. I asked him what was the reason behind that and he refused to give me that information. I went home and pulled my credit to myself to see what was happening. I found many unknown fraudulent items being opened under my name, social security number and address. This is very unacceptable and I need these items to please get removed fro my credit report. 

XXXX SELF-REPORTED XXXX {$90.00} XXXX SELF-REPORTED XXXX {$100.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$770.00} XXXX XXXX {$2000.00}

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 2020-02-20 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: AR

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me a email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number. Its upsetting that anyone would all these things using my information. These fraudulent items are not mine. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX   XXXX {$4500.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$13000.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX   XXXX {$6000.00} XXXX XXXX XXXX XXXX {$470.00} XXXX   XXXX {$5500.00} XXXX XXXX {$4500.00} XXXX XXXX XXXX {$57.00} DEPTEDXXXX   XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On Saturday XX/XX/2020 I tried to purchase 5 tickets on XXXX for a basketball game through XXXX XXXX. I began texting her about the tickets and the communication between us did not feel like she was a scammer. Once I sent the agreed upon price of {$400.00} to her via XXXX, she only sent me 4 tickets instead of 5. I tried reaching her via text and calling but she blocked me. We tried from each number in our group and she did the same. One friend asked her if she still had the 5 tickets  available after she scammed us, and she said she did, which means she was trying to scam others the same way. Upon receiving the tickets we immediately knew they were fake, but proceeding to try them anyways just in case they weren't. Obviously that didn't work. I reached out to my bank, US Bank, immediately to alert them of the scam and to cancel the XXXX transactions, which they said they would submit a claim and I should receive the {$400.00} back within 40 days, but most likely within 10. On XX/XX/2020 I received a letter from US Bank eClaims Services Department telling me the transaction was posted as requested and my claim has been denied. I do not feel they investigated this matter appropriately, otherwise they would know this woman has scammed others. I have attached copies of all of the communication between XXXX XXXX and I, as well as the letter I received from US bank.

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 2020-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY

Complaint narrative:
On XX/XX/XXXX Creditor Wells Fargo obtained a Judgment in the amount of XXXX plus interest. The Judgment was obtained Through their law firm at the time XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone XXXX. On XX/XX/XXXX through my 3rd party XXXX XXXX I faxed them at XXXX the fax was an offer to settle this account to obtain a lien release on the property as I have sold my house located at XXXX XXXX XXXX XXXX XXXX NY XXXX and must close by XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX I made many attempts to settle. On XX/XX/XXXX I was told by XXXX XXXX that the debt was transferred to another Law firm and to Contact XXXX XXXX at the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone XXXX. On XX/XX/XXXX I faxed them for the same request for settlement and followed up with phone calls to XXXX XXXX whom has not answered me yet. I was also able to speak to the receptionist and attorney or paralegal there by the name of XXXX XXXX Ext XXXX. They both confirmed that they could not find that file. 
On XX/XX/XXXX I called back XXXX XXXX at the previous law firm XXXX XXXX XXXX and she confirmed to me again that this matter needed to be cleared up with XXXX XXXX at XXXX & XXXX XX/XX/XXXX I called back again XXXX XXXX Left a message and spoke to the receptionist again that the file was not there. Now I am fearful that I will not be able to close on my house and I will have a foreclosure on my record instead of a sale. I am being harmed by the aforementioned herein as they refuse to settle with me.

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 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Last year Bank of America changed their rates which led to an underpayment ( I set up my payments to be paid automatically through bill pay ) which caused a late payment in XX/XX/2019. My credit is meticulous and I ALWAYS pay on time. Bank of America never notified me of the rate change, therefore, violating Reg Z ( failure to provide written notice of a rate change ). Had I received this I would have adjusted my payments in bill pay and never would have incurred a late payment.

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