vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I realize this may be the wrong channel for this report. If it were, and you can forward it to the relevant agency, please do. This is an unsolicited phishing scam. I did not click on it but attach the screenshot showing all the data including the phone sender of record and the url they provide with a fake Experian final notice.

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 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
I cancelled services with XXXX in XXXX of XXXX, I made sure to return their equipment and made sure there was no balance owed. In XXXX of XXXX a collection was added to my credit report from Waypoint resource group. I have called and have asked for this debt to be verified and up to this day it has not happened. I called to try negotiate even though I don't owe the debt and was told that even if I pay the debt they will not remove it from the credit report. I don't owe XXXX or waypoint resource group anything, I respectfully ask that you help investigate these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've been struggling to keep up with my mortgage payments due to the pandemic. However I've never missed a payment but have been late several time. Bank of America is fully aware of my current financial situation. I made several request to their customer service department for a " late fee '' waver and was denied each time. If a customer is temporarily struggle to keep up with the payments but still manages to make the payment why not try and assist the customer instead of making it even more difficult for the customer. Bank of America is extremely difficult and refuses to work with their customer during this pandemic. Here 's the latest email that I received from BOA. 


" Dear XXXX XXXX XXXX : Thank you for your Internet inquiry addressed to the Customer Service Department pertaining to your late charges. On behalf of Customer Service, I sincerely apologize for any inconvenience this may have caused you. 

We have reviewed your account records and determined the late charge fees totaling {$830.00} will not be waived. Per the terms of your Note, your payment is due on the first of each month and you have a 15-day grace period to assist with postal or any other mail delays during which payments may be received with no penalty. The balance has carried over every month on your monthly statement unit paid. ''

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 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
In XX/XX/2019, I had a XXXX and was taken to the hospital in an ambulance operated by XXXX XXXX XXXX. Initially, my health insurance only paid {$560.00} towards an overall bill of {$3800.00}. When I called my health insurance, and explained that this was an emergency situation and that I was admitted to the hospital, my insurance paid XXXX XXXX XXXX an additional {$3300.00}. 


XXXX XXXX XXXX has contracted with Credence Resource Management to collect the debt of {$3300.00}. They have called my phone and sent bills via the mail many times over the past 2 years. I have told Credence Resource Management every time that this bill has been paid and to stop contacting me. I got yet another bill in the mail today and I'm sick to death of being contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
my sister, who i trust, gave me a personal check for {$9000.00} from her bank, XXXX, on XX/XX/XXXX and i deposited it into my account at bank of america ( boa ) on the same day. XXXX withdrew the {$9000.00} from her account on XX/XX/XXXX, the same day. boa placed a hold on the money for 10 days until XX/XX/XXXX. i have no access to the money for 10 days. they stated they are placing a hold on the money because i never received a check that large from XXXX and because my sister ( who has XXXX ) may not have enough money to cover the check. this all seems like bs to me and it is extremely inconvenient. 

i tried to make an appointment with boa but of course, they have no appts until XX/XX/XXXX. 

is this legal? can they hold my money for 10 days? i have more than enough in my savings to cover the amount of the check. should i report them to the 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 2021-03-19 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased a phone off XXXX XXXX and used my wells fargo debit card on XXXX XXXX to pay seller who didn't send the phone and blocked me for all means of contacts I contacted the bank while the payment was still showing as pending but was dragged in forms and calls till it cleared. I filed dispute and requested refund based on card protection after bank failed to stop payment

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 2021-03-19 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: CL Holdings LLC
State: IA

Complaint narrative:
Initially I opened a car loan with XXXX XXXX then a couple years later that loan was sold to XXXX XXXX. On XX/XX/XXXX. XXXX then at the time considered my loan paid off with them. Now XX/XX/XXXX I get notified that they sold a delinquent loan to Jefferson Capital collection agency. The account they claimed is delinquent- I have and had zero knowledge of it or ever consented to that. Ive tried calling and sent a letter to them but the line is disconnected and mail is yet to be responded to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 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: IN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX placed a hard inquiry on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX also appeared as hard inquiries on my report. 
I have never inquired requested or even heard of any of these companies which are located in several different states and I have no use for banking services I can't physically visit for assistance. I advised Experian and XXXX of my dispute via telephone and was told I must contact original creditor listed above. I contacted 3 of the above creditors to see how they got my information, they required my social security number, name and address to check for my information and I was told no record of me could be found, and they are unable to send any type of request to remove from credit report since they have no demographics or file with my information. 
I contacted Experian and XXXX XXXX again with information above and request to remove hard inquiries, I was told I must send written dispute and request inquiries be removed. 
I mailed 2 dispute letters to Experian, XXXX and XXXX XXXXXX/XX/XXXX and XX/XX/XXXX no response. I Called to check status on written disputes after 30 days on XX/XX/XXXX. No record of my dispute can be found with Experian, XXXX or XXXX XXXX. 
Called XXXX XXXX and XXXX again they still have no records of my dispute and are unwilling to help me get this resolved and remove these unapproved inquiries.

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 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I have been unable to access my M & T bank checking account online all week. I have attempted access at least 20 times over multiple days this week. I sent an email to the bank earlier this week and the bank replied the next morning that the online access issues were resolved. That was inaccurate/false. I was still unable to log in as the site hung up at the 'account summary ' page and failed to load. Internet searches suggest to me that this is a widespread problem among many M & T customers, and not an issue specific to my hardware or software. I am able to log in without issue to all other financial sites. To add insult to injury, M & Ts phone lines are overwhelmed. There appears to be a significant issue with M & T 's web and mobile platform which warrants serious regulatory intervention.

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 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services
State: TX

Complaint narrative:
I received a bill from Viking Client services for an alleged balance that was due to XXXX, My insurance company XXXX has paid XXXX. 

I sent Viking services a letter asking them to verify the debt and to include an itemized bill explaining any remaining balance.I have the receipt of the certified letetr sent to them with this request. 

I never received a response from Viking Client services. 

I still get harrassing calls and my request was and continues to be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Its simple under the law we are entitled to adverse action free credit report. We have had a number of adverse actions ad poor credit lately due to untimely and incorrect reporting and in aility to access via any and all venues technology or means what Experian claims is the method for securing such. We are locked out at every single turn! FTC- " Under federal law, youre also entitled to a free report if a company takes adverse action against you, like denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the credit reporting company. Youre also entitled to one free report a year if youre unemployed and plan to look for a job within 60 days ; if youre on welfare ; or if your report is inaccurate because of fraud, including identity theft.So why are we bing denied and why is it you can not assist?

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 2021-03-19 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: URS Holding, LLC
State: GA

Complaint narrative:
was contact around the XXXX of XX/XX/2021 by all tran who provided me an address and I stated that I no longer lived there and they said they sent a letter there disclosing my business to somebody else that's not a friend or family then he demanded my new mailing address which I provided to him in agreement that he would send proof that I owed the debt along bills sent from Arizona state and there was nothing of that sort included in the letter just a piece of paper stating they received the account in there office and that letter was dated XX/XX/XXXX of XXXX the debt collector XXXX XXXX with alltran education financial called me on XX/XX/2021 and kept asking me what my plans were after I told him multiple times that I no longer wish to communicate over the phone and I only wished to receive written documentation thru the mail and I was forced to hang up because he would not respect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Kriya Capital, LLC
State: UT

Complaint narrative:
I was on another call when this company tried to call. They left no voice mail which is a clear indication of an unwanted solicitation style robo call. I called it back. The name wasn't clear based on the heavy accented automated system. The woman that answered clarified the name of the company. She said my number wasn't coming up in her system. I asked if she was a telemarketer. She said no and used a term that clearly identified it as a collection agency even though she tried to disguise it. I politely told her not to call me again and we ended the call. I have no idea who these people are, they don't send any written communication to you before they just start robo calling. I will block every single number they call me from until they send me something in writing to explain who they are and who they got my number from. I'm coming off of XXXX XXXX selling my info without ever obtaining my permission so I'm not privy to strange companies I've never heard of calling me. If they do have legitimate business with me then they should've contacted me via USPS. If their client doesn't have correct info then that's not my problem!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BSI Financial Holdings, Inc.
State: MI

Complaint narrative:
This is in rebuttal to XXXX.While the XXXX is addressed. Where is the overage of the {$200.00} will now be applied to? You have not addressed that. 

Also, why didn't I receive written documentation on this. A customer is entitled to know what is being done to an individual 's account. This is illegal. 

I would like written documentation on what the intent is for the rest of the money you illegally took from me during bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One is reporting erroneous lates on my credit file. During this last year i experienced hardship due to COVID. I called Capital One and let them know so that we can work something out. I let them know that my income was cut and money was tight due to the pandemic. They were willing to work with me but unfortunately i was only able to make partial payments for a few months until i got completely caught up. Like i mentioned before i was in contact with them through out the whole process and continued making payments just not the full amount. I am asking if they could remove the lates for these months. I truly did not mean to be late nor did i want to be but under the circumstances i tried my best and got them partial payments. Under the federal mandate, CARES ACT you can not report lates during the pandemic and as i stated before these lates payments were caused by the pandemic. I have this account open for a few years now and if you see my records you can see I always made my payments on time up until we hit the pandemic. Please remove these lates from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
I have had a 30 year home loan at 4.5 % with Mr. Cooper since XX/XX/XXXX. I make the payments on time and regularly add another {$500.00} to the loan to further reduce my loan balance. I applied in XXXX of XXXX to refinance my current loan with Mr. Cooper to a Conventional15 yr Fixed loan at 2.25 %. This loan modification will result in the same payment amount I have been making for all these years. No change in my payment amount. Although I have a solid credit history and have a long unflawed payment history with this company they continue to find an excuse to approve the refinance excusing themselves by claiming underwriter requirements and XXXX XXXX and XXXX XXXX guidelines. Since my initial refinance application I have submitted document after document to complete this refinance process. Each time I complete one request they come up with some additional piece of information to again delay or halt the loan refinance. This is now seeming more like harassments then reasonable and justified requests. They themselves admit that there is no doubt I can afford the payments for this refinancing option, however they refuse to approve the refinance option further using the excuse that they must insure there is no criminal activity associated with this loan such as money laundering. I am a retired XXXX XXXXXXXX from the XXXX XXXX XXXX. I also am retired from the XXXX and am XXXX XXXX XXXX. Again, I can afford the new loan and this makes no sense based on my history and my current financial situation. There needs to be oversight and accountability to this lenders unscrupulous practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Today XX/XX/XXXX i received a text message on my cell phone from XXXX that read FINAL NOTICE : EXPERIAN HAS FLAGGED YOUR ACCT FOR UNUSUAL ACTIVITY. REVIEW BY XX/XX/XXXX XXXX : XXXX I clicked on the link and you had to setup an acct which included giving the last 4 digits of your social security number and other info and I only half setup the account and then I called experian and was on hold forever and luckily they informed me it was not from them and it was fraudulent and they put an alert on my credit report along with my phone number and since I applied for a home equity loan once the bank pulls my credit report I have to call all 3 credit companies and put a freeze on my account.I think this fraudulent text stems from being on ourtime dating site because there are so many scammers on that site and so many dishonest people. Ourtime is a very unsafe dating site.

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a double victim of credit base victimization. 1st under the Equifax Data Breach crime and second under a recent Electronic Signature fraud victimization. I have been trying to address the issue of electronic signature fraud victimization through Equifax 's website and I am unable to do so because of fraudulent ID verification information inside Equifax 's data base precluding me or obstructing me from being verified through their website. I then tried to get my ID verfied with Eqfx over the phone and the same thing is happening. Equifax has misinformation in it's data base which then is asking me personal credit questions which Equifax believes is True and is really false and I am expected to come up with correct answers to false questions which I can not do. By me not being able to do this, this has rendered my ID unidentifiable and therefore locked out of credit base services through equifax. I faxed Eqfx information which their customer service rep gave me over the phone in order for me to correct the misinformation that's on eqfx 's database. By the way, I also do not have a cell phone number and I am being forced by Eqfx to provide a phone number to them and given no choice to select I do not have a cell phone number and to provide an alternative ph number of a home ph, which by the way, is not in my name but in my mom 's name. I am being forced to tell falsehoods about this since If I do not give a phone number of some kind, I will not be able to proceed further into getting help from eqfx automated telephone srvc # I sent these docs requested by eqfx to fx # XXXX from a local fax # and it went through without any problem in order to get services from eqfx. I sent this fax to Equifax and eqfx has not contacted at all they received my id verifiying information by [ mfax nor can I speak to a live eqfx cust srvc rep to verify this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I started disputing a dismissed bankruptcy on XX/XX/XXXX. None of the bureaus have ever responded to my dispute or advised me of any results of the investigation. I disputed again on XX/XX/XXXX and they still, yet again, have NOT responded to my dispute!

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