vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I explained to them I do not Owe anybody anything, and if I did then the company that's in question should have taken me to court a long time ago. They have not done that because they are known for fraudulent activities which I reported to IDFPR and they subsequently was fined for numerous infractions and deceitfulness ( That company being XXXX XXXX XXXX whose real business name should have been XXXX XXXX out of New York ). They were order to change their name because they were operating under XXXX XXXX XXXX illegally and using staff persons that were not actually licensed in the state of Illinois to practice as Leasing Agents or had expired licenses, they also used the bait and switch on numerous unsuspecting tenants including myself and were fined for that also. They tried to get rid of me by raising the rent on a contracted XXXX XXXX XXXX unit that I was renting, but XXXX refused there increase, so instead of ( XXXX XXXX XXXX  or XXXX XXXX ) taking XXXX to court, they instead tried to include the rent increase that was denied into my utility bill without notice or authorization by XXXX. This is just another example of how they treat honest hard working people and they keep getting away with it. They also retaliated against me because of a negative " XXXX '' posting I made about them and their terrible customer service and unpatriotic activities. I sent National Credit System Inc.XXXX XXXX XXXXXXXX GA XXXX a Cease and Desist Letter by certified mail and they again contacted me by mail twice after receiving the letter from me, so that's what brought me to this website for help. I am also an XXXX  XXXX XXXX XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: Avant Credit Corporation
State: MA

Complaint narrative:
Credit Card Company Has Recently been asking for my Full Date of Birth ... .. No Other Cards Do This ... When I try & get info. on my account ... I explained.. my concern.. was told, I should go online to check my acct.. info ... or give Date of Birth .. Asked for Manager.. was Disconnected .. 

Called back.. was told " Even a Manager Will Ask for Date of Birth '' ... This seems Like Too much info ... 
last 4 social address phone credit card # Never Asked for DOB .... Can u explain if they are in violation.. of my privacy rights ... 

AVANT credit card ... 

XXXX XXXX Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: World Omni Financial Corp.
State: IL

Complaint narrative:
I have written to SETF/WOFC several times as well as to XXXX  and XXXX  pointing out that their reporting of this debt on my credit report is reporting inaccurately. The account is marked as closed with a {$0.00} balance yet it is 30 days late in the payment status line. This is an impossibility and I believe it is a result of a keypunch error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: FL

Complaint narrative:
MY INFORMATION WAS USED WITHOUT MY KNOWLEDGE AND CONSENT SOMONE STOLE IDENTITY AND OPEN SEVERAL FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs.   On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-07-20 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On multiple occasions ( 4 to 6 times ), both my wife and I have been unable to get copies of our credit reports from Equifax through the website XXXX. After entering our information and answering the security questions, the process always fails with a generic error message " unable to give a credit report at this time. '' We have then restarted the process and then have successfully received credit reports ( through XXXX ) from XXXX  and XXXX. 

But on multiple times and with 2 different individuals ( for my wife, and separately for me ), we have been unable to receive a credit report from Equifax through XXXX, and then have been able to successfully receive credit reports through either XXXX  or XXXX. 

The most recent occasion that this failed was on XX/XX/2020 ( for both me and my wife ), I commented on this problem via feedback at XXXX. They sent me letter indicating I should contact the credit reporting company directly with any difficulties securing a credit report. 

I contacted Equifax by phone and they agreed to send me a copy of my credit report by mail and they would investigate the problem I had. The agent I spoke with had a noticeable accent and there was significant office noise in the background, and the agent had difficulty hearing/understanding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Cant link my PNC checking account with XXXX because PNC wont allow it? Completely confused by why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
RMS -- - LN XXXX -- - Loan Skey : XXXX -- - XXXX XXXX XXXX XXXX, XXXX CA XXXX -- -- XXXX XXXX -- -- -- We are having no end of trouble getting accurate and timely communication and information on a short sale. We previously had to file a CFPB complaint Case #  XXXX in order to get an interior appraisal done, as required by the investor. That appraisal was completed on XX/XX/XXXX. I have called three times to ask what the value came in at, and to get a current counter offer. Each time I was told that we must produce a demand in writing to find out what the value is, and that our SPOC XXXX XXXX would be in contact to discuss. The last time we were told this was on XX/XX/XXXX, and I also left a voicemail for her. We have not had a response, and this violated servicing guidelines for this investor. 

The appraised value of the property is intrinsic to the process of a short sale and of an urgent nature as that is how approval or denial is in part decided. By withholding this information arbitrarily and refusing to communicate with us as the authorized 3rd party, RMS is violating CA 580e which requires prompt and clear communication in all processes of any loss mitigation effort. In addition, the representative that I was able to speak with on XX/XX/XXXX named XXXX told me to calm down when I in no way had raised my voice. Insisting that a servicer abide by all applicable law, state and federal, is not a reason to be condescending and combative. 

I would like the SPOC to contact me within 48 hours to discuss this short sale, its value and resolution to the issues along with their direct contact information.

Attached is our Third Party Authorization and a copy of the previous CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I've had a mortgage with Bank of America on a secondary home in California since the original purchase of the home in XXXX. A couple of years later I established a line of credit on the same home with XXXX XXXX. Given today 's low rates, I decided to contact Bank of America for a refinance of the mortgage ( XX/XX/XXXX ). 

A few weeks into the process, I noticed that one of the conditions of the refinance was to pay off and close the XXXX XXXX line of credit. After noticing this, I raised a flag and clearly stated to Bank of America that I would like to pay off the XXXX XXXX HELOC but would like to maintain the account open as I use it frequently ( I emailed BofA on XX/XX/XXXX ). 

The BofA loan officer, stated that it was possible to keep the XXXX XXXX HELOC open, but that it would be better to close it, and once the refinance process was complete he would apply for a new HELOC at Bank of America. Since the rates were the same, the process would be smooth, and there were no fees of any kind, I accepted the suggestion. ( XX/XX/XXXX ) The closing for the refinance happened on Tuesday, XX/XX/XXXX. I immediately emailed the loan officer and informed him I would like to now proceed with the HELOC at Bank of America. I did not hear anything until XX/XX/XXXX. 

Once I finally received a response I was informed that I can no longer apply for a HELOC with Bank of America because of COVID-19. 

Because of the loan officer 's sales pitch, I agreed to close the XXXX XXXX HELOC and to consolidate everything with BofA. But now I don't have my original HELOC with XXXX XXXX and BofA is no longer willing to help 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 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC Bank will not allow my bank account access XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CT

Complaint narrative:
DISCOVER closed my account, personal credit card, after 10 years of use with no serious delinquency and no explanation ; I made payments on time except for a couple of times years ago.There was no suspicious activity or complaints from my end. 
They said they were going through a 'verification process ' and wanted all my personal banking info with statements for the last 3 months and tax info, mind you this is with me making all my payments ON TIME AND NOT ASKING FOR ANY KIND OF CREDIT INCREASE OR LOAN OR MORTGAGE. There was no suspicious activity or complaints from my end. I gave them my tax info and verification of bank with my home residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This refers to my Synchrony Bank XXXX XXXX XXXX card beginning i XXXX. Account opened XXXX of 2018. XXXX credit line. Exceptional payment history. XXXX balance = just over 6 % of the line. Notified yestzerday, credit line now {$250.00}. Making tzhe raztio now 50 %. Severely hurting my credit score with no basis for this whatsoever.

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 2020-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: SC

Complaint narrative:
I discovered I was the victim of identity theft when I received a letter from American first finance company text, last month I called the company explained to them I never financed a purchased with them. They traced the purchase to Florida from one of their stores. I filed a police report with my local authorities, I also filed a report with the FTC. I was told they were noting the account as fraud. However, Today XX/XX/XXXX I received another letter as an attempted debit collection. The amount of the debt has increased. I called American First finance and told them again what was happening they put me on hold never returning to the telephone. I dont want this transferred to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have written to XXXX several times as well as to Transunion and XXXX  pointing out that their reporting of this debt on my credit report is reporting inaccurately. The account is marked as closed with a {$0.00} balance yet it is 30 days late in the payment status line. This is an impossibility and I believe it is a result of a keypunch error.

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 2020-07-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have written to XXXX several times as well as to XXXX  and Equifax pointing out that their reporting of this debt on my credit report is reporting inaccurately. The account is marked as closed with a {$0.00} balance yet it is 30 days late in the payment status line. This is an impossibility and I believe it is a result of a keypunch error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX  .I 'm closing on my apt XX/XX/XXXX 2020.XXXX reassure me that I Wouldn't t be reported to the credit bureaus for a late payment! when the XXXX  apt is being paided off on the XX/XX/XXXX, 2020.Please reach out to XXXX and have it corrected, 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 2020-07-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/XXXX2020. 

I wrote to you on XX/XX/XXXX 2020, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009, and what actions s/he has taken in relation to this account.

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 2020-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I used to rent at XXXX XXXX XXXX and when I decided not to renew the lease. I ended up by paying month to month rent with was expensive then was the regular rent. I was surprised to see that I was charged with extra rent when I moved out. I contacted the manager< I told her that when somebody as month to month contact that means he can move out anytime. that way I paid extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
I received a brand new phone last week on Wednesday ( XX/XX/15 ) and logged in via my phone to my Cash App ( The payment transfer app from Square ) using my phone number. I believe that the system locked my account because it was a new device that they did not recognize so I did not think it was a big deal so I simply submitted a support request to have them unlock my account. This was submitted on that same night. 

Thursday morning a customer support agent emailed me from Cash App asking me 6 different questions to unlock my account. I immediately replied to the email with all of the information that they asked for within minutes and have yet to hear back from them. All of my money ( {$4100.00} ) is in that account as they tote their direct deposit capability and encourage people to keep their money in their app and I can not transfer it to my XXXX bank account or get ahold of someone on the phone to verify that it is me so that they can unlock it. Have tried contacting them via eMail, social media and even adding their customer support representatives on XXXX but haven't received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank did not apply my payment of {$2400.00} on XX/XX/19. I paid before XX/XX/19 but was still charged a late fee {$86.00}. My current " amount owed '' does not reflect this 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
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Payday loan 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: UHG, LLC
State: TX

Complaint narrative:
I got a phone call from a lady who identified herself handling my case file her and that she was about to file my case in court if I did not respond today. I did not catch her name and she did not state her company details. 

She gave a call number XXXX. 

When, I called that number, an XXXXAmerican  male answered and after confirming my identity, he went on tirade on how I came form XXXX to try to rip money off people in America. That some have been looking for me and are about to throw me in jail. 

He reconfirmed my address and that if i did not respond immediately some XXXX people are getting ready to throw me in jail. However, he was ready to help me only if I could calm down. However, since I could not get him to state who he really happens to be or who his employer is, except to say that I owe money to XXXX XXXX who has been looking for me everywhere and were coming for me right away, I had no no choice but to hang up.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
The debt collecter stayed that owe for a auto loan that was in collections for a car I never purchased I also dont have a drivers and I stated that its impossible for me to buy a vehicle with no drivers license and the debt and the account was not mine I also asked if they had a contractual agreement with my signature and a drivers license with my name and picture and they stated that they did not have it so how can they state that this debt is valid with no proof.

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 2020-07-20 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: GA

Complaint narrative:
Due to Financial reasons as a single mother Ive had to file for chapter XXXX bankruptcy in XXXX and then again in XXXX. XXXX, Experian and XXXX all still currently have the bankruptcy from XXXX, all of my old addresses, old judgements and old inquiries still listed on my credit report even with me asking them to properly update this old information. I will never be able to move on to repair my credit with old lingering accounts post Chapter 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