vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
Received property foreclosure letter from attorney for my property. Sale Date is set for XXXX, 2020. State Of Tennessee law states I'm to receive notice 30 before the foreclosure sale date. Received letter 1st week of XX/XX/2020 that is not a 30 day notice. I requested mortgage forbearance and mortgage assistance from Fay Servicing under The Cares Act because I have been affected by covid-19. I'm XXXX my husband passed and my mortgage company refuses to assist me. Spoke with Vice President XXXX he said I was mailed a modification a few months ago, I never received those documents from Fay Servicing. I don't want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
I am writing this due to non compliance and falsifying documents with debt collection agency : Convergent Outsourcing inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX They have failed to provide me with sufficient information to prove I owe a debt of {$1700.00}. On XX/XX/2020 they mailed me a debt validation letter after i filed a dispute online. I also most importantly want to point out they are illegally using the symbol of pre sorted first class mail on the document they mailed to me to validate this debt. I have worked at the Post office for 10+ years and I know for a fact that pre sorted " PAID '' FIRST CLASS STAMPS '' are not supposed to be used on the bottom of billing statements. They are only supposed to be used on the outside of envelopes when mailing something through the Postal Service. I also stated this to them in a debt validation letter i sent them on XX/XX/2020. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I will also be reporting the company to the Postal Inspectors and Postmaster General.

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have disputed a charge from XXXX USA for {$440.00} because I did not receive/order the item XXXX forwarded a statement to AMEX showing the merchandise was delivered. 
Instead of SIGNATURE,, it was showing a TYPED name. 
I redisputed the charge but AMEX rejected my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion should not be reporting that I am ( 90 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
My XXXX  from XXXX has been getting deposited on Relia card since XX/XX/XXXX. I had no problems using the card until XX/XX/XXXX. Relia card locked my account and asked me to fax documents proving my identity. I faxed all the documents they asked for except my XXXX tax return. The reason that was not faxed was because it was done online as just a non working tax return. This complaint is very urgent due to the fact that i have no money to live. I am about to be evicted due to relia card not allowing me to access my money. I have tried to get XXXX to deposit my money into my checking account but they keep putting my money on this Relia card which has unlawfully locked my money. They have a horrible customer service. Please i do not want to have to pay for a lawyer to allow me to access my own funds. At this point i feel they are stealing my money. There is no fraud i couldnt remember my password to sign into their mobile app so i tried over three times amd they locked it. Like i said this is very urgent i get this fixed. I have called their customer service everyday to try and get this resolved. Please let me access my money from XXXX. That relia card is a horrible pre paid card i just want what is rightfully 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 2020-10-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am trying to get a loan from a bank for myself. The bank says I have perfect credit, no late charges, no late payments, XXXX credit score, I own my home and my car. Everything perfect. But I seem to have one dispute from a few years ago that was resolved and fixed with no charges, etc. Citi bank has it on my report of this dispute, says is resolved, but can't remove it. My loan officer says that this little glitch will stop the loan. I asked it be removed and also that the credit report company erase it. Neither has been done. I can't believe I can't get credit as a perfect credit person because of this.

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 2020-10-09 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: CT

Complaint narrative:
I would like to report an identity theft in my credit file, upon checking my credit I found a number of accounts that are fraudulent, such accounts do not belong to me and should be removed from my credit report, they had impaired me to obtain credit and had cause me to pay high interest.

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 2020-10-09 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: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
Caliber Home Loans, continues to report outdated, derogatory remarks to my XXXX  Credit Bureau, in spite of several disputes regarding inaccuracy. They remarks state " BANKRUPTCY DISMISSED ''. I do not currently have a bankruptcy reporting on any of my credit reports. 
I disputed the remarks twice with XXXX  Credit Bureau on XXXX and on XX/XX/20. Received a response from XXXX  on XXXX and on XX/XX/20 stating " account has been verified ''. 

Additionally, Caliber Home Loans FAILED to mark this account as " DISPUTED BY CONSUMER '' upon receiving my dispute within 30 day time frame of dispute. 

I also spoke with a Caliber Home Loan representative, XXXX id # XXXX, by phone on XX/XX/20, who stated the account is reporting accurately and that there was nothing they could do. 

This inaccurate/derogatory information continues to negatively affect me financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I have repeatedly contacted XXXX  in regards to opening my account. They have told me I need to contact creditor. Creditor informed me that they are reporting monthly as account being opened. XXXX  has yet to update my Victoria Secret account as opened. They are reporting closed. I contacted them almost everyday until XXXX XXXX  reported on XX/XX/2020 but XXXX  still have it listed as closed. XXXX  hardly updates account and dont provide the correct credit score according to the scoring model.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX, continues to report outdated, derogatory remarks to my TransUnion Credit Bureau, in spite of several disputes regarding inaccuracy. They remarks state " BANKRUPTCY DISMISSED ''. I do not currently have a bankruptcy reporting on any of my credit reports. 
I disputed the remarks twice with TransUnion Credit Bureau on XXXX and on XX/XX/20. Received a response from TransUnion on XXXX and on XX/XX/20 stating " account has been verified ''. 

Additionally, XXXX XXXX XXXX  FAILED to mark this account as " DISPUTED BY CONSUMER '' upon receiving my dispute within 30 day time frame of dispute. 

I also spoke with a XXXX XXXX XXXX representative, XXXX id # XXXX, by phone on XX/XX/20, who stated the account is reporting accurately and that there was nothing they could do. 

This inaccurate/derogatory information continues to negatively affect me financially and emotionally.

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Our Bank of America Visa card has been on autopay for the last six months. We tried to use the card today ( XX/XX/20 ) and it was declined. We called Bank of America to find out why and they said it was non-payment of last month 's bill. We noted that the card has been on autopay for many months and customer service said it was taken off autopay last month ( we never did that ) and they said we had to pay our bill plus penalty plus interest. 

I asked customer service to tell me where on our credit card statement it says autopay is on/off. She said BANK OF AMERICA DOES NOT PRINT THAT ON THEIR STATEMENTS, YOU HAVE TO LOGIN ONLINE TO SEE THAT. 

We have three complaints : 1 ) Our account was on autopay and Bank of America took it off autopay and we incurred extra charges because of that ; 2 ) We were never notified that autopay was removed from our account ; 3 ) A financial institution such as Bank of America should be required to print on their statements whether autopay is on or off.

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 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: CT

Complaint narrative:
I would like to report an identity theft in my credit file, upon checking my credit I found a number of accounts that are fraudulent, such accounts do not belong to me and should be removed from my credit report, they had impaired me to obtain credit and had cause me to pay high interest.

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 2020-10-09 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: CT

Complaint narrative:
I would like to report an identity theft in my credit file, upon checking my credit I found a number of accounts that are fraudulent, such accounts do not belong to me and should be removed from my credit report, they had impaired me to obtain credit and had cause me to pay high interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2020 I was approved by PNC Mortgage for a {$260000.00} mortgage loan to purchase a condominium at XXXX XXXX  XXXX XXXX, XXXX XXXX, Ohio XXXX. 
On XXXX XXXX I received a call from the PNC loan officer, XXXX XXXX, telling me that my loan was disapproved. 
The closing on the purchase of my condo was scheduled for XXXX XXXX and for the sale of my house in XXXX, Ohio was scheduled to close on XXXX XXXX. 
This left me only 3 days to find and arrange for {$260000.00} to be wired to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX so that we could purchase and move into the condo. 
On XXXX XXXX my wife, XXXX, and I met with XXXX XXXX, the PNC XXXX Branch Manager, in person get the many documents I loaned to the mortgage officer, and to pick up a written statement ( " Notice of Adverse Action '' ) of why the PNC Mortgage company waited until the " XXXX hour '' to tell me on XXXX XXXX that I would not get the loan they approved on XX/XX/XXXX. 
I was met by a security guard, the PNC branch XXXX and a PNC " witness '', for the 15 minute meeting, and the Branch Manager, XXXX XXXX, who we have known and banked with for 20 years, made no apologies, and gave no written or verbal explanation of why we were notified only 3 days before we closed on the purchase of the condo. The notice of adverse action from PNC only stated that my income from self-employment decreased in 2020. 
My wife spoke up and then XXXX said the situation was unfortunate. We received only a short written statement from PNC saying that because I was XXXX   and my income was lower in XXXX  ( due to COVID-19 ) that I was not approved for the loan. 
If I was not able to get the {$260000.00} from other sources in 3 days ( by XXXX XXXX ) my wife and I would not have a home to live in after the sale and closing of our former house at XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. 
With gratitude, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I called this midland credit to pay off my accounts. The manager refused to give me his real named and said his business name was XXXX. He refused to send me a letter stating that he would remove these accounts from my credit report and claimed he could only verbally say it over the phone. I stated several times that I would pay him in full once I received the letter but he refused every single time. He threatened to take legal action and I told him I wasnt afraid to see him in court and explain to the judge that I tried to pay several times and he refused to send me a letter. After several minutes of threats for legal action, I asked him to please send me the letter so I had proof or to stop calling me. He once again refused the letter. He again refused his real name and said his business name was XXXX. I want to pay and he made it very difficult. I do not understand why they wouldnt want to work this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO Harris Bank was opening internet accounts in California. I signed up for their Platinum Money Market account and made a {$25000.00} deposit via external transfer. I subsequently made several more external transfer deposits of {$5000.00} each and recently another external transfer deposit of {$15000.00} and never had a problem with deposit transfers. 

Recently I wanted to get {$50000.00} of my money out to make a down payment on a house, and the online site would only allow me to make {$5000.00} daily withdrawals. So I set up a string of daily external transfers of {$5000.00} in late XXXX. It stopped me after five transfers and said I had met my monthly limit, so I set up 5 more for this month and the on line system accepted them and then when I went back as the transfers were not coming through, I found that the transfers had been cancelled for some unknown reason. 

I called customer service, spoke to 4 different people over the course of 1hr and 40 minutes and never got past a supervisor level person, XXXX. I got a lot of conflicting details, but no resolution. I requested to speak to a bank officer as I believe that BMO Harris is not in compliance with FDIC and FTC rules and was denied the opportunity to speak with anyone above a supervisor. 

This BMO Harris Bank needs to be disciplined by the CFPB or FDIC for unfair banking practices.

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 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was a fraudulent transaction through XXXX  using my debit card. I paid the seller the money but he never gave me my items. So took to 2 transactions of {$48.00}. I contacted Bank of America and they opened a claim and recently the claim was closed and not resolved. I would like the claim to be reopened so I can receive my money back. XXXX also said to contact 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 2020-10-09 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: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX  XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

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