vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America loan origination date XX/XX/XXXX, loan amount {$210000.00}. 
Requested a 2 year payment history, due to misapplied payments, it is dated XX/XX/XXXX, gross unpaid principal balance on the report is {$230000.00}. 

I had a period of 3 years trying to get Bank of America to modify my loan and had to finally hire an attorney because I could not get anywhere with them by myself. I paid on the original loan amount for 12 years and now I owe {$26000.00} more than the original loan amount. 

I have been calling since XXXX to get help from Bank of America and as of today, I have yet to get the information that I need. Every time that you call you get a different person who tells you something completely different than the person before that and the person before that. 

I have a payment that was misapplied and have called on multiple occasions and was told that it is being reversed and applied correctly only to find out the next month when log in to make my mortgage payment it still shows that I am behind. 

I called on XX/XX/XXXX and was told I will get a call from a Manager within 24-48 hours, today is XX/XX/XXXX, still no call. 

I am in desperate need of assistance with my mortgage account at Bank of America.

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 2020-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went to XXXX XXXX XXXX and worked with a young lady name XXXX. I chose the furniture I wanted and she told me about the promotion of 3 years to pay off with 0 % interest. I was paying my bill on time and notice I began to be charged 29.9 % interest. I had the balance paid down to {$1500.00} and it jumped to {$3000.00}. This was false advertising and it is affecting my credit I contacted the company Synchrony XXXX and they said that they closed the account because they can choose what they want to do with the 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 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I HAVE MADE MY MONTHLY PAYMENTS WITH THE NEW LOAN PROVIDER, XXXX  XXXX FOR THE LAST 12 MONTHS. THE MINIMUM PAYMENT REQUIRED IS {$1400.00}. 
XXXX XXXX INFORMED ME THAT THE LOAN WAS IN DEFAULT DESPITE CASHING THE MONTHLY CHECKS. THE COMPANY ALSO STATED THAT THE DEFAULT OCCURRED BECAUSE OF THE WAY IN WHICH THEY CREDITED THE ACCOUNT. 

DURING THIS TIME, MY CREDIT RATING HAS BEEN IMPAIRED SINCE THE COMPANY REPORTED THAT I WAS IN DEFAULT. ADDITIONALLY, THE COMPANY CONTINUED TO ADD LATE FEES TO THE ACCOUNT AND REFUSED TO GIVE ME ONLINE ACCESS TO THE ACCOUNT. 

MY MOST RECENT CONVERSATION TODAY XX/XX/14 LASTED 40 MINUTES WITHOUT A RESOLUTION. 

THE SAME PRACTICES USED BY THIS COMPANY WAS PREVALENT WITH THE XXXX, THE PREVIOUS LOAN SERVICER, BEFORE THAT COMPANY FILED FOR BANKRUPTCY. MEANWHILE, MILLIONS OF INNOCENT AMERICANS CONTINUE TO LOSE THEIR HOMES BECAUSE OF THE UNSCRUPULOUS PRACTICES BY XXXX AND OTHER MORTGAGE SERVICING COMPANIES.

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 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC.
State: TN

Complaint narrative:
Collection agency is harassing me to pay a debt I dont know anything about. I dont know this agency or the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Recently, I was contacted by TD Bank about a checking account I used to have with them. To my shock, they told me that I had an outstanding deficiency balance over {$800.00}. I told them that I did not know how that was even possible, and asked them to send me some kind of account detail to show how they arrived at that figure. I have yet to receive the requested information. Furthermore, they told me that if I did not pay it in full within a few days, they were going to send that balance to a collection agency, and it would hurt my credit scores. To try to avoid that from happening, I offered to make small payments towards the debt until we could get it all sorted out, however the TD Bank representative told me that they could only accept payment in full, otherwise they would be sending it out to a collection agency to damage my credit. I was shocked that they offered no other solution for me, especially in the middle of a pandemic. Our income has been affected by the Covid crisis, and its hard enough to just keep the lights on ; much less pay out $ XXXX at one time to a bank that will not even show me how they are arriving at the balance they are trying to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: MI

Complaint narrative:
TO WHOM IT MAY CONCERN, XXXX I REQUESTED TO CLOSE THIS ACCOUNT DUE TO BEING VICTIMIZED BY A PROGRAM FEE OF {$95.00} AND A FIRST YEAR ANNUAL FEE OF {$75.00} WHICH MADE THE CREDIT BALANCE {$220.00} WHICH IS PREDATORIAL LENDING. I HAD BEEN OFFERED A {$500.00} CREDIT LIMIT. PLEASE REFUND ALL OF MY FEES AND CLOSE THIS ACCOUNT AS SOON AS POSSIBLE. 
THANK YOU! 

RESPECTFULLY YOURS, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: CT

Complaint narrative:
Today, XX/XX/2020, I received a letter from Aldous & Associates in XXXX, Utah dated XX/XX/2020. The letter stating that I owe XXXX XXXX a debt in the amount of {$84.00}. I called XXXX XXXX in XXXX XXXX, CT to inquire about the debt but reached a voice mail recording stating the mailbox was full. 
Next I called Aldous & Associates ( XXXX XXXX ) and explained that I did not believe the debt associated with the account number indicated was in my name or bearing my signature. I stated I have never even received a bill from XXXX XXXX, How can it go to collections? I asked that verification of the debt be sent to me.I was told I was required to send the request in writing within 30 days, before any verification would be sent. 
I called the Federal Trade Commission Consumer Finance Protection Bureau and was given information that Aldous & Associates had 5 days to mail a communication acknowledging my call and 30 days to send the requested proof of debt. I called Aldous & Assoc. back and told them what I had just been told and requested proof of debt again. I was denied and told I first had to send a letter. I explained I have been recovering from XXXX  XXXX and healing from a XXXX XXXX and have trouble getting around. I asked if they had any accommodations for people with XXXX. " No ''. What about the Americans with Disabilities Act- Don't you have any provisions for the XXXX? " No '' I asked if I could email my request. " No '' I asked if they had a fax I could send it to. " No ''. I asked for the name of the person I was speaking with. " XXXX XXXX ''. ( Suspiciously generic name. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.XXXX  XXXX XXXX {$280.00} XXXX XXXX {$18000.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX XXXX   XXXX {$6800.00} XXXX XXXX XXXXXXXX {$270.00} XXXX  XXXX {$2400.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$390.00}

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 2020-08-14 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.XXXX  XXXX XXXX {$280.00} XXXX XXXX {$18000.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX XXXX   XXXX {$6800.00} XXXX XXXX  XXXX {$270.00} XXXX  XXXX {$2400.00} XXXX XXXX {$3000.00} XXXX XXXX  XXXX {$390.00}

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 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Problem : Wells Fargo Home Mortgage took money I had sent for escrow payment and -- without checking with me or asking my permission or even notifying me -- applied it to the principal of the loan ( XX/XX/XXXX ). 

When I called on XX/XX/XXXX to ask why they had not refunded the overpayment of {$600.00} to me, as I had been told they would do when I closed the escrow account ( on XX/XX/XXXX ), the representative ( " XXXX '' ) told me the escrow payment had been credited instead to the principal. I protested that my overpayment/escrow should not have been applied to principal but refunded to me. He said Wells Fargo couldn't " split the payment but would have to refund the entire mortgage payment of {$2100.00} and that would mean my monthly mortgage payment would be late and they would have to charge a late fee. '' Timeline in brief : Called XX/XX/XXXX to close escrow. Told to pay full mortgage payment in XXXX and then in XXXX the bank would refund all escrow ( {$2400.00} ). On XX/XX/XXXX received refund check for {$1700.00}. This prompted my phone call on XX/XX/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 2020-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
I have asked this company to cease and desist all contact. They continue to reach out, but now call from blocked numbers and threaten legal action. They also gave information to my sister who answered the phone for me today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3000.00} XXXX {$4300.00} XXXX  XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Hello, I am a Veteran and didn't know about certain services being offered for active military personal when I served. I requested that my military benefits be retroactively reapplied if possible. To which they agreed on XXXX XX/XX/2020. Subsequently, on the date of approval FedLoan servicing increased my principal balances on three of my student loans of the five. This includes bringing a previously paid off loan back to life. While FedLoan servicing states that it wasn't an error when apply benefits and that the benefits haven't been applied. I have documents proving the balances of all my accounts on XXXX XX/XX/2020 ( minus all payments made in XX/XX/XXXX  ) and XX/XX/2020 ( minus one pending payment made in XX/XX/2020 ). However, FedLoan Servicing has erroneously stated that the increase was from capitalized interest retroactively. If that was the case, why wasn't it documented on the account so that the employees I have spoke to would have known? The answer is, it didn't happen and that they don't know what happened and are trying to justify it. If you use the excuse provided by FedLoan, the math doesn't add up. FedLoan has already capitalized interest on loans when necessary through out the years and sent out account letters and statements when doing so. Someone has made a mistake or maliciously edited account information when I requested military benefits to be applied. It isn't some wild coincidence that I requested military benefits be applied and the same day they were approved ( I have the letter and original account balances ) my balances increased. It's either an error was made that day XXXX XX/XX/2020 or FedLoan maliciously edited my account balances and payment history in order to profit and protect any lose associated with providing military benefits. 

At this point, I'm simply asking my account be returned to it's previous state, which I have documented on XXXX XX/XX/2020 plus all payments made from their forward. Because clearly, FedLoan Servicing doesn't care about Veterans or people and are largely incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3000.00} XXXX {$4300.00} XXXX  XXXX {$11000.00}

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 2020-08-14 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3000.00} XXXX {$4300.00} XXXX XXXX {$11000.00}

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 2020-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
XX/XX/2020 mailed validation letter to confirm what they say I owe that's on my credit report. I told them I did not agree with the total and please validate based on my enclosed uploaded items. 

Certified mail # XXXX XXXX XXXX XXXX XXXX Delivered on XX/XX/2020. 

Unvalidated Debt Amount : XXXX XX/XX/2020 sent letter to XXXX, XXXX, and XXXX. 

I would like the following to happen : 1. Removal of errant account from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: AES/PHEAA
State: IL

Complaint narrative:
Fed loan shows delinquent payments for XXXX, XXXX, XXXX, XXXX. 

I have spoken to them repeatedly to provide proof I was late. They do not respond. 

I need Fed loan to prove I was delinquent on these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: Security Credit Services, LLC
State: PA

Complaint narrative:
I never opened accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: IN

Complaint narrative:
Hyundai Motor Finance. I had a 36-month lease that I paid on-time. I turned in the XXXX XXXX on XX/XX/XXXX and recv 'd a document from the dealership acknowledging the return - showing no additional amount due. 

In XX/XX/XXXX, I start to get marketing materials for another lease/loan. I don't want another XXXX, so I recycle the papers. More materials come, more recycling.

I received an alert from my credit monitoring service stating a late payment has impacted my credit score. I look today & it's this lease I have paid in full. There is a {$420.00} fee charged to my account. I did not get any calls, any texts, any emails - nothing to let me know I had this amount due. The fee was added after I returned the car. The dealership did not tell me ; I left the showroom assuming I was free and clear. Apparently, Hyundai bills a fee to those who don't lease another vehicle with them. Seems like a penalty on an outstanding customer. 

I looked on the website where I normally made my payment and NOTHING stated I was delinquent. I clicked around, saw my final payment, saw the lease paid out on XX/XX/XXXX - all looked satisfactory. I kept clicking ... clicking and then saw the fee. 

I called Hyundai today and spoke with XXXX (? ) who gladly took my debit card payment over the phone. I paid the {$420.00} today ( XX/XX/XXXX ). 

I asked about credit reporting. She said it would reflect as paid. I told her I did not know about this debt, already have another vehicle, and would like for this to NOT impact my credit since I have always been a great customer. She stated Hyundai had to report accurately and there was nothing she could do to correct it. She told me that I was 214 days past due! She told me I should have charged-off in XXXX! She didn't know why I wasn't charged-off so she put me on hold. When she came back, she said because they were closed in XXXX ( COVID-related ),  everything had been pushed back 60-days. A charge-off! If I still had the XXXX XXXX, you can bet Hyundai would have tried to repossess it and not just charged it off. However, I don't have the collateral anymore, but I still owe a fee.? 

I should not have been billed the fee. I feel it is a harassing tactic for additional business and revenue. Hyundai let it impact my credit and because I am no longer a customer of theirs, is unwilling to correct the credit bureau like I asked, although they now have their money ( {$420.00} ).

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 2020-08-14 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: CA

Complaint narrative:
I have been to Bank Of America several times and have tried to notify corporate about the equity line of credit that was paid XX/XX/2020 and it still shows a balance of {$220000.00}. Bank of America has responded to XXXX  and states that it is still owed even though Bank of America shows that it is paid off. 
I have disputed this several times with XXXX only to have the same results. 
This is affecting my credit rating and I can not get it resolved.

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