vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XX/XX/XXXX, I purchased my new home from the builder XXXX for {$300.00} and after it. I got in bad loan negative amortization when I did refinance with countrywide I have on that time {$50.00} equity so loan officer closed it and put me in negative amortization loan and never seen my equity and he start hiding from me. I tried to fix it to get back to normal loan because my house had equity at that time but countrywide doesn't wont to do it. After a period of time when I tried to bring my loan to a normal fix rate, the countrywide loan officer didn't answer and was hiding him to meet me. Next year we have a hard time with my wife because she had XXXX and lost her job and i couldn't afford to pay a mortgage because I worked not full time on my work. I tried to call countrywide to fix that problem but they didn't do anything to help us so we have delinquency at that time. I was calling to bank fighting to save our home to make an affordable home loan payment but countrywide no answer on this issue. Throughout this time when the housing market crash was happening, I did not leave my home, I wanted to save my house and was trying to do a home modification with that company but they were not responsive and did not want to help. After the bank of America purchased all of the countrywide  home loans, I started to work with the bank of America to work on home modification and I wanted them to work with me on my loan and help with my negative amortization loan. The delinquency on my loan grew, so in XX/XX/XXXX finally, the bank of America offered me a home modification, but in the modification program they did not offer me a reduction of my principal balance which actually made the situation worse and made the loan that much more unaffordable with {$390.00} of the principal balance. They took all of the countrywide 's mistakes and pinned them back into our loan. I am asking for assistance for helping me keep this home and help work with the Bank of America to reduce my principal balance and give us a fixed rate for this home loan. I already paid back a lot of money to loan bring back {$340.00} but still can not bring to the actual current loan balance. So I ask to help to do Bank of America reduction of the principal balance of my loan to make me affordable payment and make my loan to with fix rate of 30 years loan to keep my house which I actually keep in good condition and I feel as I living not at my home but worse than renting home.

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 2020-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
My son is covered by XXXX and the Medical office XXXX XXXX in XXXX XXXX billed incorrectly and sent his account to collections. The office fixed the billing issue and XXXX paid the bill but the debt collection agency has not removed the account from credit report. I have filed no less than four official disputes through XXXX, XXXX, and XXXX to get the account removed. My next step is to hire an attorney and sue to get it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: OH

Complaint narrative:
US bank closed my account over a {$36.00} overdraft fee that US bank refuses to refund. When I received the check from US bank when I go to cash the check at XXXX to avoid US bank XXXX told me I had to cash it at US bank so I did. when I arrived at US bank to cash it I was charged {$7.00} for my money that US bank closed and when I asked for a receipt that the check was cashed US bank refused to give me a receipt

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 2020-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX reported that this account does not belong to me and the credit bureau has not deleted after been notified from XXXX that this account reporting does not belomg to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I don't recognize this inquiries, i never applied for this. I believe that i was victim of Identity Theft, somebody used my personal information and applied for this 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 non-monetary relief
Consumer complaint received 2020-02-22 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: GA

Complaint narrative:
I have never opened a credit card with wells fargo bank for {$500.00}.

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 2020-02-22 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: GA

Complaint narrative:
I have been reaching out to you all about some things on my credit that I have no earthly idea about. I finally need to go and a new car and was denied because of this stuff on my credit thats not mine. I have reach out to the FTC and local police and seems nothing can get done. Please remove from mycredit XXXX XXXX and XXXX XXXX. And there are some inquiries that I dont know about XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX AND XXXX 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 2020-02-22 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: GA

Complaint narrative:
I have been reaching out to you all about some things on my credit that I have no earthly idea about. I finally need to go and a new car and was denied because of this stuff on my credit thats not mine. I have reach out to the FTC and local police and seems nothing can get done. Please remove from mycredit XXXX XXXX and XXXX XXXX. And there are some inquiries that I dont know about XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX AND XXXX/XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX, I opened a checking account at Citizens Bank as part of a bonus offer mailed to my home of residence. Per the bonus requirements, I changed my direct deposit to the new checking account in the amount of {$500.00}. This would qualify for a {$300.00} bonus. 

On XX/XX/XXXX, I was unable to log into my bank account online. I reached to Citizen Bank customer support via phone and was told my account has been closed. The support representative was not able to provide a reason why it was closed and told me I will be receiving a letter detailing the reason of closure. Furthermore, numerous attempts were made local branches to acquire this letter but were met with the same fruitless responses stating to wait for the closing letter.

To present day, I still have not been received any formal notification or letter in regards to why the account was closed, thus effectively denying the checking account bonus offer solicited by Citizens Bank. The action and practices by Citizens Bank should be deem malicious and predatory, as their attempts to collect my personal information and cajole me to direct {$500.00} from my employer direct deposit that only serves to benefit themselves.

Additionally, Citizens Bank continues to send me the same exact checking bonus offer to further solicit my direct deposit funds to their bank. Brazenly enough, this Bank has even went as far to off entice me with a personal loan offer for them to pull my credit report information and deny any terms of the offer agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX reported that this account does not belong to me and the credit bureau has not deleted after been notified from XXXX that this account reporting does not belomg to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: TX

Complaint narrative:
XXXX XXXX reported that this account does not belong to me and the credit bureau has not deleted after been notified from XXXX that this account reporting does not belomg to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Barclays Uber Visa changed their terms of using the card, as well as the way of using the points. They sent an email about how this change will occur. In their email they talk about Uber Cash, which is a term created by Uber/Barclays and I apparently didn't understand what it means. I thought it as a re-branding of their products, which happens time to time. 
I want to use my points, which worths around {$1300.00}, but they force me to use all this money for uber drives, which is not possible. I was planning to buy a ticket and visit my family, instead, this change made me helpless. 
I believe the change they implemented hurts people and make the company profit way too much. I believe this kind of changes damages trust between the companies and the customers. 

Thank you for the 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 2020-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I don't recognize this inquiries, i never applied for this. I believe that i was victim of Identity Theft, somebody used my personal information and applied for this 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 2020-02-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I don't recognize this inquiries, i never applied for this. I believe that i was victim of Identity Theft, somebody used my personal information and applied for this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Debt is not mine and I have no recognition of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Problem with EQIFAX I tried to obtain an increase in my credit card on Friday, XX/XX/XXXX, with XXXX XXXX XXXX. They told me that there was a problem with EQUIFAX, so, I called them. First I got someone in some out of the US and could not understand that person, then they transferred me to a person who was suppose to be in the US named XXXX  # XXXX, who asked me some questions so he could open my account-2 things  happened then one was I could not understand him and secondly the answers to the questions were so outdated I never could have answered them being they were not current. An example is my employer in roughly XXXX and now i am retired. So, how would I know they were using data that old? So, after that I spoke to a XXXX  # XXXX, then XXXX # XXXX and a XXXX who would not give out her number-too good for that!! None of them could help [ resolve this situation over the phone!! I tried to file a dispute on line and their website would not allow for this dispute. 
This organization is a JOKE!! and they control MY CREDIT? 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: ME

Complaint narrative:
Request that my loan servicing company corrects the number of Qualifying Payments for Public Service Loan Forgiveness.

I am writing to you for help with a discrepancy in documentation I see regarding the number of qualifying payments for Public Service Loan Forgiveness I made on my student loans. My loan servicing company is Fed Loan Servicing.

The problem : My number of qualifying payments for PSLF should be 78 on each of my six loans. I consolidated these loans.

I submitted PSLF employment certification forms documenting qualifying employment with multiple employers. I made regular student loan payments.

Fed Loan Servicing records are incomplete, missing several qualifying payments on five of my six loans. Attached are documents showing the following errors : Loan sequence 1 shows 75 qualifying payments.

Loan sequence 2 shows 75 qualifying payments.

Loan sequence 3 shows 75 qualifying payments.

Loan sequence 4 shows 77 qualifying payments.

Loan sequence 5 is correct ( 78 qualifying payments ).

Loan sequence 6 shows 72 qualifying payments. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I had a company contacting my mother called Aqua Finance in regards to a payment. When they asked for her, I informed them that she unfortunately passed. Then they said she owed a payment and I stated she passed thats why it wasnt made. I told them Im on a fixed income and can not pay this loan. Then they said that they are looking for the co-signer and I inquired as to whom that was. They asked for me. I said to them, that I never co-signed anything with my mother. I asked for a copy of the documents to see a signature. I asked could I have smaller payments until we can resolve this situation because I am not responsible for this account and they have not provided any documents yet. Nor would they reduce to affordable payments until it can be proven I was not obligated to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Attempting to contact call center when I am not working. Call center reported that they " could not transfer me '' to United States branch. Call is recorded, requested 4 times. Representative name is " XXXX ''. 

I was informed by a representative 2 weeks ago ( call is recorded ) that I was assigned a new case manager, " XXXX '', in the United States. Have never received any contact from her or call back. 

More incivility and unethical behavior on the part of PHH off shore branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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:
XXXX XXXX LAST SS # XXXX DOB XX/XX/XXXX XXXX XXXX is reporting negative activity on my credit report with no phone number so I can't reach them I don't know who or what company this is I'm in the process of purchasing a home an if this causes me not to be able to purchase my house they will be held liable I have a fraud alert on my credit report since XXXX if anything that involves my credit is being reported on my credit report without providing information of proof that I was contacted and was the confirmed person that was applying for this account then this account is not a valid account and credit bureaus should not report it on my credit This is a Service of notice to all three credit bureaus that I don't know this Company and All three Breaus are aware of the fact that I'm a victim of identity theft and of they report this Company on my credit report they will be held liable and will be litigated to the fullest extent of 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 2020-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My problem is with Comenity Bank. I have/had a XXXX card through Comenity. In XX/XX/2019 I paid the card to XXXX ( {$52.00} ) ), or so I thought. Evidently they have some kind of time cutoff and even though I made the payment on the date it was due XX/XX/XXXX it posted to their system the following day XX/XX/XXXX. I had no idea this had happened until XX/XX/XXXX/XX/XX/2019 because I assumed the debt was paid in full. Once I found out I called and asked that late fees be waived. They would not waive all of the fees. I said I would pay {$32.00} in late fees to close the account ( I really felt I didn't owe but was trying to be reasonable ). They have continued to bill me for additional late fees and interest every month and have begun to negatively impact my credit. The company called the other day and basically said I owe $ 190+ dollars and if I would pay {$69.00} they would quit bugging me. I said no. Then they dropped to {$47.00} and said to pay or they would report on my credit again. I have the money to pay the {$47.00} but at this point it is the purpose of the matter, they are behaving unethically in my opinion. Comenity could easily rescind these charges and settle this account. They have already received {$32.00} more than I actually owed and they act like I am trying to rip them off. It is very disheartening and infuriating. If I was defaulting on a principal balance I could understand their aggressiveness but this is revolting. They are simply being greedy. Please hold them accountable and help them establish better business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have a credit card w/Bank of America. I paid it off before the due date, but they still charged me interest on the next statement. I immediately called and cancelled the card since I had paid all the money I owed them for purchases. I told them that I would not pay interest on a balance that was paid off prior to the due date and, if they would not reverse the charge, then send my account right over to collections because I would not be giving them another penny. The following month, they charged me interest on the fraudulent interest from the prior month AND a late fee. I called again and sent a letter to stop compounding the interest and late fees on a fraudulent interest charge. I have called two more times since then, too. They admit that my account has been closed since my initial call, but they said they would keep charging me until I paid it and also keep hitting my credit report.  As a result, my score has gone down over 100 points, and I just got another bill today. The original fraudulent charge has ballooned from about {$30.00} to almost {$400.00}. It's predatory to keep charging me late fees and interest on a disputed charge ( which they've never addressed or investigated ), and it's ruining my credit. I want them to stop charging me and clean up my credit report. I also want them to reverse the original {$30.00} fraudulent interest charge.

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