vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is a continuous problem from cfpb # XXXX dating back to XX/XX/XXXX. 
In XX/XX/XXXX I received an e-mail from XXXX XXXX that there was a change to my score. It stated that a CO ( charge off ) was placed on my score. Then on XXXX XXXX, XXXX my score changed again and placed the CO ( charge off ) back on with a negative -87 points. I need to know what is going on. My current lawyer XXXX XXXX, says he has not received anything from the collection agency nor Bank of America, nor have I received any information. Bank of America chose to put my account in " collection '' rather than taking me to court to prove my case. Do to me having a major XXXX I chose to offer BOA the deed to my property to rectify this debt. I had to secure a senior living complex to live in at that time-last year. In trying to obtain this living arrangement BOA took {$10000.00} from my account unknowing to me until later. To me this act was not " Just '' or " XXXX '' do to the fact the debt was placed in " collection '', and my only funds is my pension with no Social Security payments because I do not qualify with only 31 credits. I would like for my lawyer or myself to find out if the deed offered was accepted or not. 
I pray that this problem is solved once and for all, I have suffered deafness and a XXXX from this going back to the initial problem back in " XXXX '' with the loss of {$10000.00} and over the years paying two ( 2 ) lawyers.

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 2020-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have student loans with wells Fargo. They differed them for 6 months. XXXX to XXXX Now they are coming out of deferment. I called today and they said they will not deffer anymore. They offered a loan modification but my cosigner would need to be willing to participate. My cosigner no longer wants to be involved and I can not qualify to refinance them either. I currently had a baby and my hours have been drastically reduced. I either put food on the table or pay my student loans. I want to protect my credit since I am trying to buy a home. Wells Fargo will not work with me. I have never missed a payment and do want to to start now since this is all beyond my control. I need help.

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 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
XXXX was made through XXXX XXXX Mortgage. The servicing of the new mortgage is now being handled by PHH Mortgage. XXXX XXXX told me this via a letter. I never received a welcome letter or even a bill from PHH Mortgage. I have called them XXXX times. The first payment is due XX/XX/XXXX and I have no welcome letter, no bill, no way to pay because the website doesn't give me a way to pay the bill. Again, the website does not show any bill or a way to pay the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors' Service Bureau of Niles, Inc
State: MI

Complaint narrative:
XXXX XXXX XXXX finally posted my bill for me to pay on XX/XX/XXXX after requesting what exactly I owed them for and why they didn't ask me to pay the amount when I was in their office multiple times asking if I had a balance. Once it was posted I paid it immediately. The original bill was from 2013, and was sent to Creditors Service Bureau XXXX, Mi. Creditors Service Bureau refuses to take this off my credit report as paid. I requested it numerous times and they will not take it off unless I pay them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I have sent a certified letter to XXXX XXXX Suntrust Bank disputing an auto loan that does not belong to me. The auto loan is a business loan that belongs to my father, who has the same name as me as well as lives at the same address as me. Even so my date of birth & ssn is obviously different. I have submitted a copy of my birth certificate & drivers license as proof of identity as well as a copy of my recent bank statement. I have patiently waited more than XXXX with no resolution, from Suntrust Bank. The account shows positive payments as my father pays on time. The issue is preventing me from purchasing a home due to the added debt-to-income, that is not mine.

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 2020-09-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thrash and Thrash, PLLC
State: MS

Complaint narrative:
A few of years ago in XXXX or XXXX I took a {$300.00} payday loan online. I then fell on hard times and couldn't pay it back. My payday loan was then turned over to collections and picked up by Thrash and Thrash PLLC. I have been paying them {$85.00} a month for the past year totaling over {$1000.00}. Even during the pandemic when I lost my job, I still tried my best to make a payment and I called and spoke with personally if I couldn't. Then on XX/XX/XXXX I get a letter from them offering me a " settlement. '' Again, the initial debt was from a third party and was {$300.00} in entirety. Thrash and thrash sent me a letter offering to settle my account for {$2600.00}. They claim the full amount is {$3300.00}. If I don't pay this amount they will continue to compound the interest again and again preventing my from ever been able to pay it off. Also, if I stop paying, they will threaten to garnish my wages and add derogatory remarks on my credit even though I've already paid them over {$1000.00} when my initial debt was on $ XXXX.I need help. My car didn't even cost {$2600.00}. I can't afford to continue paying them all of this money when the debt should have been settled at this point. This business is literally robbing American people. It is also a gross misuse of power and disgusting to ask someone to pay so much for a {$300.00} debt during a pandemic or at all. Everyone is struggling but they literally do not care and must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
Hello, How are you? 
On XX/XX/20 I received an alert that a compony FACTUAL DATA pulled my credit in which it was not authorized by me. I fraud alert on all the XXXX major credit bureaus for any company requesting my credit report to contact me for verification but I did not received a call from FACTUAL DATA and that hard inquiry is still on my credit report until today XX/XX/20 and showing up on my credit report as a hard inquiry. The company failed to contact me to verify that I authorized the report to be pulled as its stating on my fraud alert. I need the company to delete this from my credit report from both XXXX and XXXX or prove that this account was authorized by me with verification of authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
My wife and I decided to purchase a house. On XX/XX/2020 we continued working with XXXX XXXX from XXXX XXXX on a mortgage application. He tried to use LexisNexis to identify me over the phone, but I was unable to pass the questions. The questions were worded such that someone who only vaguely knows me would probably be able to answer them correctly. But I could not answer the questions correctly because I am me, and I know the correct details. This was the third time, where I am trying to be identified over the phone with some financial institution and I was unable to be verified. 

Now, yesterday, XX/XX/2020, my XXXX XXXX was supposed to have wired money to the XXXX XXXX for closing on this house. Customer Service from XXXX XXXX XXXX XXXX tried to identify me using the LexisNexis service. They were unable to verify my identity and consequently they DID NOT WIRED MY FUNDS TO TXXXX XXXX XXXX  The representative was supposed to call me back after checking with his boss, but never did. Now we are facing delays or contractual penalties, because of a potential delay in our closing on the house. 

This morning a rep from the XXXX XXXX called me back again to verify my identity using LexisNexis. There was another question about an " XXXX XXXX. '' I do not know an XXXX XXXX. I have a daughter named XXXX, and an EX WIFE named XXXX XXXX XXXX XXXX. So what gives? If they are trying to Uniquely identify and verify who I am, shouldn't they have VERIFIED and CORRECT INFORMATION about who I am? I answered the question about " XXXX XXXX '' as if it were XXXX, my daughter, and I passed the test this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
received collection notice from Radius Global Solutions LLC. I contacted the original creditor in regards to this. This is an account from 9 years ago with XXXX XXXXXXXX XXXX. I spoke to XXXX at XXXX XXXX during the week of XX/XX/XXXX, XXXX after speaking with the representative at XXXX XXXX XXXX she VERIFIED that there was NO information and that there was no way that this could have been VALIDATED. she also stated that the collection company can not and should not have this due to the fact that there is NO BACK UP to support any collection efforts. In addition, this account is XXXX XXXX XXXX and according to PA Law. It is illegal for collection accounts beyond 7 years. I have repeatedly tried to resolve this issue with this collection company and they have ignored and have repeatedly claimed that this is valid with all XXXX credit bureau for over a year now. This is negatively impacted my credit and I will be filing a claim for damages if necessary to alleviate this issue that it has caused.

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 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO GAVE A PERSON WHO STOLE MY IDENTITY USED MY NAME, PHOTO ID, SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT SECURE WELLS FARGO CARD TRYING TO STEAL MY IDENTITY I am writing to request and initiate a formal complaint against XXXX XXXX XXXX XXXX  CRAS. On XX/XX/2020, I mailed XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-09-23 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/2020 I have sent a certified letter to Transunion & XXXX XXXX  disputing an auto loan that does not belong to me. The auto loan is a business loan that belongs to my father, who has the same name as me as well as lives at the same address as me. Even so my date of birth & ssn is obviously different. I have submitted a copy of my birth certificate & drivers license as proof of identity as well as a copy of my recent bank statement. I have patiently waited more than 45-days with no resolution, from XXXX XXXX. The account shows positive payments as my father pays on time. The issue is preventing me from purchasing a home due to the added debt-to-income, that is not mine.

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 2020-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I have an account with SYNCHRONY HOME, from a store called Mattress Firm. I  have a balance of about 2300 dollars. Its on a promotion of 24 months interest free. First off, you should know that at my job i get paid weekly, so it is easier for me to budget weekly instead of monthly. So, i calculated by the balance that it would take payments of {$28.00} per week to pay the balance off in less then 2 years time. So i immediately started making {$28.00} per week payments. I have done this same thing with promotions with XXXX XXXX, XXXX, and XXXX XXXX and it went very smoothly, not a single issue. The balance was always paid off before any interest and life went on. Anyway, back to Synchrony. I looked at a statement today ( XX/XX/20 ) and saw that had been charged 2 late fees in the past 2 months. I called them to discuss this with them. I found that they operation on a 23 day billing cycle, and that is why i keep getting late fees. The minimum payment is XXXX ( and paying XXXX per week, i pay XXXX in 4 weeks time ), so i pay 3 weeks and the XXXX is not met, so they add on a late fee. Then they receive my 4th payment, which does not apply to the next payment, just gets deducted from the balance.. The next week is when the next billing cycle starts, and the pattern repeats itself. I am paying more then the minimum amount due each month, but they ignore my 4th payment every month. I have asked them to apply that 4th payment to the next billing cycles payment but they refuse to work with me on this. I believe that this is a shady way of doing business and just a cleaver way to be able to charge people late fees.

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 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Early XX/XX/2020, I received notification from Bank of American of an extension in payments due to the COVID crisis. I applied and was approved ; at the begining of XX/XX/2020, XX/XX/2020, I received email notification that the extension ended and payment was due. When I logged into my account, the amount due was the total of ammount of the payments due during the granted extension plus the month of XX/XX/2020. The amount of each payment due is {$390.00} per month. On XX/XX/2020 the total amount due was {$1500.00}. Due financial constraints during COVID, I was unable to make this full payment. I was able to pay down this amount slowly, however the account remained in default. This was then posted to all credit agencies on XX/XX/2020 and XX/XX/2020. The account is now to-date and in postivie standing. I talked to Bank of America today and they were unable ot assist with the credit posting and I was referred.

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 2020-09-23 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:
SOMEONE USED MY PHOTO ID AND SOCIAL TO OPEN THIS FRAUDULENT XXXX XXXX XXXX XXXX I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion  and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  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 2020-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
So I was in a car accident in 2016 and lost all of my credit, debit cards as well as license ; since then I have issued replacement cards for both XXXX XXXX and XXXX XXXX in store to go online with the card information ( which was required at the time to pay the bill ).

They never sent me a new card after contacting the company within the past 4 years multiple times although they swore one was sent. I couldnt pay the bill without the card number issued at the time, that I did not have in hand. 

Im requesting the interest accumulated be dropped and both accounts closed I will only pay the original purchase amount for the cards.

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 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
In XX/XX/2020, I received a promotional email from Barclays XXXX Mastercard. It said that if I spent {$2700.00} or more on my card for each of the months of XXXX, XXXX, XXXX, I would receive a bonus of XXXX XXXX frequent flyer points within 2 months. I complied with the terms and spent in excess of the required {$2700.00} each of those 3 months. I have still not received the bonus miles in my XXXX account. I have called Barclays many times and spoken to " resolution managers '' and I have a resolution case number # XXXX. They have all confirmed I spent the required amount of money and should get the bonus. One manager claims it was issued on my statement ending XX/XX/2020. I do not see the bonus on that statement, nor does XXXX. I have also called XXXX and they say that Barclay has not sent them these miles to add to my account. They looked and do not see the miles sent/added either.

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 2020-09-23 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:
Experion has XXXX on my credit report I am only a authorized user - PLEASE REMOVE ... 3 rd request XXXX XXXX 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 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: GA

Complaint narrative:
On XX/XX/20 I called direct express to change my address. Instead of changing the address they put a fraud alert on my card. Its the only income I have and now I cant access my money anymore. Since then Ive tried to call 10 times but no one will answer the phone. The longest I waited on hold was for two hours and still nothing.

Company response to consumer: Closed with explanation