vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a mortgage loan with BMO Harris Bank. I sold my home on XX/XX/2021. The title company contacted BMO Harris Bank to obtain the payoff amount and that amount was remitted to BMO Harris Bank on XX/XX/XXXX. BMO Harris received the monthly payment from my bank account XXXX electronic transfer ) on XX/XX/2021. I called the bank and asked that they electronically deposit the amount they took out on XX/XX/XXXX back to my account. They said they were only willing to remit a hard copy check to the address they have on record XXXX the home I sold XXXX in 15 - 30 business days. I complained that they would have the use of my money for close to a month. I spoke to two supervisors and no one would agree to remit the money electronically back to my account. 

I am closing on a new house at the end of XXXX and was counting on that money to use towards the purchase price.

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 2021-05-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Title365 Holding Co.
State: MD

Complaint narrative:
I closed on my home for a refinance with Title Company Title365 on XX/XX/XXXX, for a property in MD. In the closing, an amount of {$1500.00} was collected for the XX/XX/XXXX payment of XXXX XXXX property taxes. 

These taxes were never paid. I received a Real Property Tax Levy Delinquent Notice from XXXX XXXX on XX/XX/XXXX. Since then, both the mortgage lender and I have been trying to contact Title365 to get proof of payment. They have never answered their calls for me for the last three months nor the lender and finally, the lender took the money from my loan escrow account to pay the taxes ( double paid ). I request an immediate refund of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I was charged the late fee and the interest in XXXX by Bank of America, I tried to call them to waive that for my first-time violation, but they refused. I feel very sorry and innocent for that, because I had a very good record before. 

I think that The Bank of America also had responsibility for that because I used to receive the bank statement in the mail before, so I could read and remind myself to return, but I haven't received that mails for some times, I am not sure if BOA switched from a paper statement to electronic statement in order to save the cost. 

Normally, the bank will give people at least one chance to recovery, this is my first time of late, I don't know why they refuse to waive the charge. 

Please help me to communicate with the bank to compensate for the loss. 

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 monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Suntrust Bank cashed a payment sent via online Bill Pay but did not credit mortgage account XXXX image attached ). Check was sent XX/XX/2021 and cashed on XX/XX/2021 to be credited for XXXX. Bank has not accepted attempts to pay mortgage in XXXX XXXX they rejected our XXXX payment ). Suntrust now considers us to be in default. Additional payments were sent via Bill Pay XXXX Bank disabled our ACH options ) but were not credited to our account. Despite numerous attempts, I have not been able to get in contact with anyone at the bank that can help. More details in the attached.

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 2021-05-10 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: CITIBANK, N.A.
State: KY

Complaint narrative:
Someone had submitted multiple fraudulent applications with multiple banking institutions, including with XXXX XXXX XXXX XXXX, XXXX and XXXXXXXX XXXX ( all were reported to the credit bureaus around XX/XX/XXXX to XX/XX/2021 ). The credit inquiries resulted from filing credit applications with the above listed institutions have already been reported to all 3 credit bureaus and has already begun to have a negative impact on my credit score.

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 2021-05-10 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: HI

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX my credit score adjusted to XXXX, And stayed that way until XX/XX/XXXX, and dropped XXXX points for no reason. There has been no negative activity for that week or even the last month. In addition the information that was reported that week was all positive. A collection had fallen off and balances went down on 2 of my accounts. There is no substantial evidence to support lowering my credit score. I have spoken to Equifax and they did not nor did they try to help me. 
Your system would not let inset the last 4 of my social security number It is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: HI

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I was wrongly-imprisoned by the State of Nebraska in XXXX and so I could no longer pay my credit card bills so my credit went downhill. When I was released in XXXX, I got a secure credit card from Capital One ( it was a few months into XXXX at that point ). They never asked if they had I certainly would have told them as I tell everyone about that atrocity of justice. I had that card for over a year and I continually got feedback from them that my credit repair was doing very well. In XX/XX/XXXX they offered me a $ XXXX car loan and in early XXXX they sent my secured credit card deposit back and also offered me a $ XXXX credit card. Again saying that I was a great customer and my credit repair was going very well. In XXXX they cancelled both my cards without a word. I was scheduled to go on vacation the next day so I was frantically calling to find out why this happened and finally got someone to say it was because they discovered I had this item on my record from XXXX and there was no appeal and no further communication about it. 

My complaint is not about their XXXX  behavior. It is that they have stolen money from me in the process of closing my accounts. I had a {$60.00} credit balance on one card ( XXXX XXXX because I got a cash-back check from them after I had paid my prior month balance and their should be a {$39.00} credit balance on the other card ( XXXX XXXX because I was in the process of getting a rebate from a magazine auto-bill that I cancelled. It's been close to two months and they have not sent me that money, which is mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, a collection agency called Amsher Collection Services reported to the credit bureaus that I owe {$990.00} for XXXX XXXX. I have never been a customer for XXXX. We've had XXXX XXXX for decades continuously and would have no reason to add a XXXX network. 

I disputed the item through the credit bureau processes, but the response came back as the debt being confirmed. I then contacted Amsher directly on XX/XX/2021 by both phone and email. They later sent an email acknowledging receipt of my inquiry but to date, I have not heard anything. I also contacted headquarters of XXXX  in Colorado, who were able to confirm immediately that I was NOT and NEVER, have been a customer for XXXX 

I have worked extremely hard to clean up my credit and raise my score as bad credit was having all kinds of negative ramifications in my life, but Amsher has destroyed my efforts with no resolution in sight, and it is hampering my efforts to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I am trying to refinance my mortgage with a new lender. The documentation that they have provided me does not match payments made. I have asked for a copy of a forbearance plan with beginning and ending dates and I have asked for an updated payment plan after my deferment was signed. I need proof that we complied with all terms of the forbearance and deferment ( theyve given me verbal confirmation but tell me it doesnt exist in writing ). After numerous phone calls, I get transferred to voicemails and have never received one phone call back, I have emailed and called my loan manager ( no phone call or emails back ), Customer service responded to one email with a computer of my loan deferment but it didnt provide the info I needed and wasnt what I had requested. I sent a certified letter delivered and received on XX/XX/26. An agent confirmed they received the request and were working on gathering the info I needed but I never heard anything more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have dispute with Experian and XXXX  multiple times the validity of the public record information they have been reporting For TX BKPT XXXX and TX BKPT XXXXXXXX. On XX/XX/21 I sent certified letter # XXXX XXXX XXXX XXXX XXXX ( USPS Tracking # ) to Experian and requested under FCRA 611 ( a ) ( 7 ) for a description of all validation methods for the above referenced public record information that is showing on my credit file. I have ONE bankruptcy and that is XXXX. I filed disputes with XXXX XXXX and as a result, they removed the information. The information shown in XXXX  is not mine. XXXX is reporting incorrect information about me. My phone # is tied to people who are not me! I sent the same request to XXXX ( XXXX XXXX XXXX XXXX XXXX postal tracking # ) on XXXXXX/XX/21 and I have not gotten a response.

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 2021-05-10 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: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Someone had submitted multiple fraudulent applications with COMENITY/VICTORIA SECRET that resulted in several credit inquiries ( all of which were reported to the credit bureaus around XX/XX/XXXX to XX/XX/2021 ). These unauthorized and fraudulent activities had already been reported to the 3 credit bureaus and had already begun to negatively impact my credit reports and credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing in regard to a fraud situation that happened on my Chase XXXX Bank Credit Card that happened while I was traveling overseas. My Chase credit card ( along with my XXXX XXXX XXXX was stolen from my possession while I was in XXXX XXXX between the XXXX and XXXX of XX/XX/2021 and both were used fraudulently. This was in addition to other belongings including ID, phone etc being stolen in the same incident. When I became aware of the situation, I immediately reported the incident to Chase. I subsequently filed a police complaint online and reported the incident to a local police station in XXXX XXXX XXXX of XXXX XXXX. 

I went on and provided details of the police complaint along with details of XXXX XXXX own investigation which found me not liable for fraud under the same incident after they conducted their own investigation. These were emailed to the Chase fraud department as evidence. 

I believe Chase did a very poor job of conducting the investigation and reached a decision that I was liable for those charges wrongly suggesting that these charges were made by me. They went as far as to close my account as well. Unfortunately the only explanation that Chase investigator gave to me was that because something like this happened in the past therefore I must be liable for these charges and essentially finished the conversation with me very abruptly. I subsequently called up the Chase fraud department on XX/XX/XXXX to initially open an appeal but when I started to press the representative to provide me a specific reason as to why the investigation was closed, they said that they need more information. When I asked them what information they needed from me to reopen this case, they informed me that they dont know but perhaps I should reach out to the vendors in question and try and work something out with them. I informed them clearly that I feel extremely uncomfortable reaching out to random vendors in XXXX who I dont know anything about nor do I physically feel comfortable going to their offices or shops. I felt extremely jaded by this specific request. 

To date Chase has not been able to specifically provide me a reason for the case closure that actually specifically ties into the fraud case in question. I am not liable for these fraud charges under the XXXX XXXX XXXX XXXX and will not pay Chase for the amount of the fraud charges. I am reporting this to the consumer financial protection bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted the mortgage company because I noticed there was no payment made on my property taxes. The company followed up and stated for me to send them my bill and they would take care of it. I followed up on XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX will no resolve in my property tax payment. Then, onXX/XX/XXXX, the company transferred my loan to a different service provider. Not paying off the property taxes and the late fees that have been incurred. The service provider is Shellpointe Mortgage Servicing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
While out of state for graduate school, I experienced financial hardship due to the pandemic. Therefore, I entered into forbearance beginning XX/XX/XXXX. During the active forbearance period, Quicken Loans sent a company to my home to " secure '' it around XX/XX/XXXX. During this securement process, the company damaged my property. Now, Quicken Loans has made me financially responsible for almost {$3000.00} in fees related to the securement and takes no culpability for sending a company to my home that damaged my property. Additionally, they provided no explanation or receipts for how the fees were attained nor did they try to mitigate the financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CO

Complaint narrative:
They never provided a full accounting of hours billed against the large amount of money paid to them. They were over paid and I refuse to pay them what they claim when they most likely owe me a refund. Without an hourly accounting they can not demand money.

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 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cashapp has repeatedly XXXX  me ot of money by fraudulent activity totaling XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
OnXX/XX/2021 I mailed out a dispute letter to Equifax. The letter was delivered on the XXXX of XXXX. I have yet to hear anything back from the company with regards to this investigation. Today is XX/XX/2021 and it has been 33 since they received my dispute. I feel that they were given enough time to complete their investigation, and if needed more time, they could have reached out to inform me of that. I feel completely ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please update all of my personal information on XXXX, XXXX  and Experian.There are forms of my name and addresses that should not appear on my credit report. 

My only name is XXXX XXXX. 
My only address is XXXX XXXX XXXX. XXXX XXXX, OH 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 2021-05-10 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: FL

Complaint narrative:
On XX/XX/XXXX I pulled my credit report to receive an update. On the report it showed 5 accounts that were fraudulent and unverifiable by myself. I proceeded to write to the 3 credit bureaus regarding these accounts and stated in each letter that I would like to receive proof of their investigation and documents that these accounts belong to myself. All 3 credit bureaus sent me a letter stating that the debts were verified and provided a copy of my credit report but did not provide proof of of how it was verified. I filed a police report on XX/XX/XXXX stating that I am a victim of identity theft and provided a copy to the credit bureaus. To date I have received the same response despite the fact that I have demanded proof of verification. I believe that all 3 credit bureaus ( XXXX, XXXX  and Transunion ) are in violation of the FCRA statutes.

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 2021-05-10 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:
On XX/XX/XXXX I pulled my credit report to receive an update. On the report it showed 5 accounts that were fraudulent and unverifiable by myself. I proceeded to write to the 3 credit bureaus regarding these accounts and stated in each letter that I would like to receive proof of their investigation and documents that these accounts belong to myself. All 3 credit bureaus sent me a letter stating that the debts were verified and provided a copy of my credit report but did not provide proof of of how it was verified. I filed a police report on XX/XX/XXXX stating that I am a victim of identity theft and provided a copy to the credit bureaus. To date I have received the same response despite the fact that I have demanded proof of verification. I believe that all 3 credit bureaus ( XXXX, Equifax and XXXX  ) are in violation of the FCRA statutes.

Company response to consumer: Closed with explanation