vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I obtained my first credit card from Bank of America. This was obviously an exciting time in my life where I could build credit, have a credit card to use for purchases etc. 

Throughout my time with the card ( 8 years ) I had one late payment in XXXX of XXXX. Fast forward to XX/XX/XXXX, the account has been closed by Bank of America effective XX/XX/XXXX. The card had a XXXX XXXX as it was paid off in XXXX of XXXX. 

The reasons stated for closure of the account by a Bank of America representative on XX/XX/XXXX were not disclosed to me as proclaimed. They said they sent a letter out by mail, in which was never received or forwarded to me due to a move from XXXX to XXXX in XXXX of XXXX. 

Bank of America is stating the delinquency on other accounts is the reason for the closure. These accounts are not affiliated with Bank of America. These accounts are not delinquent. In fact, my only late payment throughout my credit reporting history was to Bank of America as mentioned above. I have 100 % credit history, with very low balances and utilization as I have worked diligently to build up my credit. 

My credit score as of today XX/XX/XXXX has decreased significantly. The only resolution given by Bank of America was to re apply for the card. This is a huge inconvenience as I intend on purchasing my first home in which we all know is heavily weighed on credit. Why should I have to reapply for a card that was closed for no reason? 

I feel as though this is a violation of FCRA. The information that theyre saying they have does not align with what my credit report states. My credit is in far better standing than it has ever been since I have had this card with Bank of America. 

No credit lending institution should have the ability to pull a consumer credit report at their leisure without permission from the consumer. These guidelines need to be changed. I can only imagine how many  families have been hurt by this very same situation. Were in the middle of a Pandemic, families rely on these institutions in time of despair.

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 2020-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I initially had a mortgage through XXXX XXXX who sold off my loan to BB & T. I received this information in late XXXX. I called BB & T and spoke to a rep who said I would be receiving paperwork in regards to payments ect. I did not receive this paper work until after XXXX and promptly made my first payment on XX/XX/2020. Since then I have been making payments online every month. They keep sending me notifications saying that I am late. I called and spoke to a rep again and they said my payment was due XX/XX/XXXX. I explained I never even received the paper work until after XX/XX/XXXX so how could I be late.. I did send them a letter on XX/XX/2020 stating the situation in writing along with proof of payments. I never received a response to this letter. In turn they keep sending me threatening letters. It has been very hard to get this resolved with them.

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 2020-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: TN

Complaint narrative:
Credit Card was opened to take advantage of {$50.00} instant cash offer. The card was never received in the mail, but the statement did come 2 months later with some late fees. I attempted to cancel the card and spent over 30 minutes on the phone while representatives tried to sign me up for additional services and subscriptions. At the end of the call, I believe the representative signed me up for a vitamin program I did not want and then disconnected the call. I have tried calling back and the line is disconnected immediately. The bank is First Bankcard. The phone number listed for " customer support '' is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: GA

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint number XXXX to remove and block these items.

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 2020-07-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: GA

Complaint narrative:
Fairway XXXX  Mortage company has been processing my reverse Mortage since XX/XX/2020. My main contact was XXXX XXXX XXXX did not handle the processing of the application in a professional manner. 
The problem was that the tax forms submitted by me - were not numbers matching. No one at XXXX  could figure out what the problem was until XX/XX/2020. 

1. The processing department did not fully examine the files submitted before sending them to the investor. The first time the file was sent to processing was XX/XX/2020. No one at XXXX could figure out that the tax forms were not matching. If I was aware of the issue I could have resubmitted that paperwork immediately. Which is what I did in XX/XX/2020 once the issue was made clear. 

2. The manager, XXXX XXXX, was brought in to review the file but he never looked into the file to find the problem. He also implied fraud because of my self- employment and the non-matching tax forms. Instead of telling me what the actual issue was. That was in XXXX XXXX. 

3. I was required to have my companys finances audited. Only to find out that because of the time lapse there audit was considered null. 

I have incurred fees because of XXXX requests. This includes {$1200.00} for a financial audit that XXXX stated is no longer valid due to COVID-19.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am XXXX XXXX  and found on my credit card extremely high interest rates on cash advances ... when I requested info on them I get a letter instructing me to call them so I can't hear or understand what they are telling me. At any rate I asked how many cash advances were taken on my card and where they occurred. I received one reply stating they could not waive the cash advance fee ... I didn't ask them too. All I wanted to know was how many and where. Now I tried several times to get a hold of them and can not get a response. They even hit me for a XXXX dollar late fee because they said my payment was one day late ... no grace period at all ... but I want answers and they won't tell me them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before Equifax refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to Equifax Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I filed a dispute With experian on XXXX XX/XX/2020. OnXX/XX/XXXXmy dispute was settled. This is a total joke. They said that after investigation the dispute was denied all with in 24 hours. The company I was disputing was XXXX probably a huge client of experian! How can they get away with this? 24 hours later I am denied! they did not wait to receive the documents I mailed! 
I dont expect to get justice in this matter however how long has this been going on! I expected a complete investigation I am a victim of collusion for sure! Stop this from happening to someone else!

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 2020-07-22 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: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX US DEP ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: PACIFIC PREMIER BANCORP, INC.
State: AZ

Complaint narrative:
I am disputing incorrect information on my XXXX and XXXX  credit report. The reports show a charge off on my mortgage account as of XX/XX/XXXX. The previous mortgage company XXXX XXXX XXXX  XXXX was bought by Pacific Premier Bank around XX/XX/XXXX. At that time, I was not made aware of the sale and believed that my loan had simply been transferred to another lender. I have continued to make my payments beginning XX/XX/XXXX to XXXX XXXX up to the present time. For eight months XXXX XXXX XXXX to XX/XX/XXXX XXXX my credit reports shows " OK '' then on XX/XX/XXXX begins to show " Charge Off '' up to the present time. I have never received any letters or documents that state my account is in default or in a negative status. I am still in possession and the owner of the property that is the collateral for the mortgage. I submitted a dispute through both of the credit bureaus listed. The lender has responded that the account is correct as it is reported. The lender has also reported that the account is closed. It is not closed. I have contacted Pacific Premier Bank directly to try to resolve this. They have told me the account information is correct. The only explanation I get is that they bought the previous mortgage holder and inherited their accounts. I was told I would just have to wait another six years for this problem to be removed from my credit. The person I spoke to, XXXX XXXX, would not transfer me to a supervisor or manager. 
I do not believe my credit should have this negative status for something I have no control over. it should be clear that there is an error somewhere in the lender 's system, however no one is willing to do the work to find it or fix it. I respectfully ask that this matter be looked into further and the correction be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
I switched cell phone companies in XX/XX/XXXX from XXXX to XXXX XXXX XXXX and have been with XXXX XXXX XXXX since XX/XX/XXXX to present day ... I didn't open acct with XXXX in XXXX as debt collection states the acct was opened..The last 4 of SS # on acct is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before TransUnion refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to TransUnion Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full.

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 2020-07-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've notified Experian several times the the 2 accounts from XXXX XXXX listed on my credit report was from fraud and should be delted/suppressed. I've sent police reports and ftc complaint and they still choose to ignore my request to remove it. I spoke with a customer service agent at Experian and he said that they do not actually investigate anything so I'm confused at this point.

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 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: OH

Complaint narrative:
All my debt to XXXX Hospitals were paid in full in XX/XX/2017. Verifying my credit score recently I see a debt of {$100.00} sent to a collection agency, debt that is not owned by me as all the invoices were paid in XX/XX/2017 by my insurance company and the remainder amount by credit card. I have to mention that no invoices were received after the full amount was paid, therefore this {$100.00} shown is an absolute error.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH Mortgage bought the mortgage I have from Ocwen XXXX. I am current on my payments, but after 5 years of on time payments, they still have not removed the PMI from payments. If I call, I get benign answers and reading from a " script '' and " apologies ''. I am overpaying by {$120.00} a month, and it was supposed to be removed XX/XX/XXXX. No response, even though I sent letters and called. I have copies of correspondence. I want them to remove the PMI as promised, and the remit a check as promised for the several months of overpayment. ( 7 payments thus far ). OUR LTV is in line, and there is over {$150000.00} of equity in my home. Please ask them to handle this immediately. REMOVE THE PMI!! PHH mortgage is not pleasant to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. Auto Sales Inc.
State: CA

Complaint narrative:
I demanded proof from US Auto XXXX that the repossession of the subject vehicle was legal in accordance with the following XXXX  : - Effect of errors or omissions - Notification before disposition of collateral - Timelines of notification before disposition of collateral - Contents and form of notification before disposition of collateral This letter was sent via Certified Mail and delivered to US Auto XXXX on XX/XX/2020 with tracking number XXXX. The letter also stated that if no such proof was provided within 15 days from receipt of the certified mail notice, the alleged claim of a deficiency would be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports would be considered a violation of the FDCPA and FCRA. 

I did not receive a response from US Auto XXXX within the requested time frame of 15 days. I also did not receive a response within 30 days which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Conn's, Inc.
State: AZ

Complaint narrative:
Ive reached out to Conns several times one of which was yesterday for help/assistance with my Conns bill. Due to COVID 19 I was advised I could call by a rep from the company if I was having difficulty paying my monthly bill. I reached out to them after my account was past due since that is one of their requirements before they can help you with a payment arrangement. I also received an email from conns stating that they can help with lower payments. When I called I was transferred to a supervisor from billing which denied me any form of help. I just spoke to someone again today and she said they do offer help. She transferred me again to billing and still theyre not offering me any reason for not helping me or any assistance. Ive done what they asked waited until my account fell behind to ask for help now they refuse to help me and now Im being told my account has to be 23 days past due before they can help me.

Company response to consumer: Closed with explanation