vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
XXXX illegally auto-renewed the Sunday XXXX service on a credit card I had on file with them after I had already cancelled it at the end of the previous season. I did not know about the charges until a few of them took place. I disputed all the charged with CitiBank after reading the fine print, confirming my cancellation. All disputed charges were correctly resolved, with the exception of one from XXXX. Since then ( it is now XXXX ) I have been calling to resolve this. CitiBank decided to charge me late fees and interest on a charge I never made and I have spent hours on hold with them, specifically more than 2 hours every other week for the past 4 months. On XX/XX/XXXX, after my 5th phone call - they constantly disconnect or lose calls and even after several requests to get called back if this happens, I talked to a Dispute representative and she told me " I have processed the credit for the disputed charge. The late fees and interest will be resolved and your account will be a {$0.00} balance. You will receive a letter in 3-5 business days that explains this. '' I then asked about reopening my account - which had been cosed for " non-payment. '' She said she put in that and it would be reopened and I would recieve another letter in 5-7 business days on the status of my account. Instead 2 days later I received an email that my request to reopen my account was denied. Today, XX/XX/XXXX, I received a letter in the mail with a new account balance. On the same day, I received note that I was turned in to collections for {$150.00}. So not only did she not credit my account for the disputed amount and only charge on the account, all the interest and late fees still exist and they turned me over to collections. I have spoken to a customer service manager who told me that he is unable to view my account since it went to collections. I asked who I can speak to at the company that can access my file, in its entirety and resolve this for me today. His only suggestion was to speak to collections. They are only going to ask me for a payment and I am not paying for a service illegally charged to my account. Just today I have been on the phone with them for over 2 hours trying to resolve 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 monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Debt was paid. Called multiple times and company has not told me when they will process the Warrant of Satisfaction. Would like them to issue the Warrant of Satisfaction and Release of Lien.

I called and no one has the timefreame information. I have received copied from two other agencies within the same time frame. They are telling me it's related to the courts however, I am requesting a copy of what MCM is sending to the courts. Not the response from the court. What I am requesting comes from MCM, not the courts so there's no real reason for a delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Our family was financially impacted by COVID-19 in XXXX and we requested help from PHH Mortgage to reduce our Mortgage payments via a loan modification. The agreement offered by PHH was that if we were offered one, we could not use the CARES act forbearance period. 
We were told it would only take 30 days to process, but they denied the request for a loan modification after almost 60 days of weekly phone calls and back-and-forth emails. 
Once we received that notice, on XX/XX/XXXX we requested the CARES Act Forbearance for our XXXX XXXX-backed mortgage per the terms required by HUD and XXXX XXXX. We were informed it would take 10 days to process our request and come to a decision, however they missed that deadline and say it's under review. They have stated they will not communicate any decision on our request except via standard US mail.

I would like to highlight that they are not allowed to deny this request, and there should not be a 10-day research and review period to do so. Also, this company has dragged their feet at every step of this process and while we understand that they are inundated with requests, something this straight forward should not require that we make four ( XXXX - XXXX, XXXX, XXXX, XXXX - we have no expectation that we will be allowed to forebear until XXXX or XXXX at the earliest ) on time, in-full payments while we are hemorrhaging savings, which is exactly what this delay has caused or it will cause irreparable harm to our credit and per the PHH website they will put us into foreclosure and continue the action after the forbearance period is over. 
They will also only approve 90 days and require us to re-apply at the end of the 90-day period, even though they are REQUIRED by XXXX XXXX to issue it at 180 days. 
We have never missed a payment on our mortgage in 15 years. This is absolutely unacceptable for this unprecedented time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

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 2020-06-23 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: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

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 2020-06-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$16000.00} XXXX  XXXX {$8900.00} XXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX   XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Tried linking my banking account to a third party but it wont allow me too, this would help me get ahead financially so I would appreciate the help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America offered to open my business account online, I accepted and opened 2 accounts, after rigorous Identity verification all information was confirmed the accounts was opened ( account number XXXX ) and charged my debit card to fund the initial deposit. Then 3 days later without any explanations the bank closed the accounts, I called the customer service and they told me that they are unable to give me any information. Now the online ID are deactivated and the accounts closed without any reason, It seem to be like a discrimination, XXXX act and misleading advertising from 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 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview mortgage placed forced insurance on my property. After providing them with proof of insurance they sent me an email ( page 5 of the attached ) indicating they have removed it. After filing a complaint with CFPB ( XXXX ) Bayview responded by saying they needed more information from my insurance company even though previously in their email they clearly stated what they had received was sufficient. In the meantime, Bayview still have not conducted an escrow review and because of Bayview 's actions my credit score has now dropped from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I have tried to dispute this many times and they aren't willing to work with me. This account is not mine its a result of someone using my name and information fraudulently. They are collecting and damaging my credit for an account that isn't mine. 

The amount of the debt is reflecting {$450.00} on a loan. I have never taken out any loans and the balance continues to update and increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo holds my mortgage. 

I deferred payment due to Covid-19. It's a rental and tenant moved out. Instead of renting, I am selling. Made a payment XXXX that is showing on their statement as " unapplied '' ( {$3900.00} ). This unapplied amount is therefore not offsetting the principal balance that they gave the settlement company. 

Why they didn't apply the payment is beyond me. Why else am I paying? And why can I not indicate how to apply the funds on their website, when they don't have the staff available to talk by phone? 

I am unable to get a response from them at all. I tried fixing it through their website, but there is no option to make this request. I have been on hold with them for 4 hours over the last two days - and yet to get a person. I did submit an online complaint. Response : " We take complaints seriously and will attempt to call you within 2 business days to discuss your specific issue. We will also send you a letter through postal mail confirming that we received your complaint. '' I don't need a letter. I need a problem solved. Typical Wells Fargo. Unacceptable.

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 2020-06-23 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: GA

Complaint narrative:
XXXX XXXX XX/XX/2018 Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX Account : XXXX XXXX  XXXX Inquiries : Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-23 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: GA

Complaint narrative:
XXXX XXXX  XX/XX/2018 Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX XXXX Account : XXXX XXXX XXXX Inquiries : XXXX  Mortgage XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-23 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: GA

Complaint narrative:
XXXX XXXX  XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX  XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX This account is not mine Delete it immediately Account : XXXXXXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately

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 2020-06-23 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: NC

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$610.00} XXXX XXXX {$16000.00} XXXX  XXXX {$8900.00} XXXX XXXX CO XXXX {$1400.00} XXXX XXXX  XXXX {$1300.00}

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 2020-06-23 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: NC

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$610.00} XXXX XXXX {$16000.00} XXXX  XXXX {$8900.00} XXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX  XXXX {$1300.00}

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 2020-06-23 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: GA

Complaint narrative:
XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX  XXXX  XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX This account is not mine Delete it immediately Account : XXXXXXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX  XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately

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 2020-06-23 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: GA

Complaint narrative:
XXXX XXXX  XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX  XXXX This account is not mine Delete it immediately Inquiries : XXXX  Mortgage I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX XXXX did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX  XXXX  I did not authorize XXXX XXXX immediately

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 2020-06-23 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$310.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This has been an ongoing nightmare for 18 months. I applied for a mortgage modification because I was in default for XXXX in XX/XX/XXXX. XXXX. It was a payment of XXXX. 

Bank Of American prolonged this until XX/XX/XXXX, because they wanted to add fees to the account. I sent in document after document for 11 months. I could not pay the XXXX dollars off because they added XXXX dollars to the total amount. 

When I got the document papers, I was told the trial payment was for almost XXXX instead of the XXXX I was told they added escrow payments. I pay escrow payments to my primary mortgage. I sent document after document to Bank of America. I paid XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I was told my payment for XXXX was XXXX. Ironically, a paid the payment with a representative. I received a note from BOA saying my bank account was not found. ( enclosed XXXX XXXX XXXX XXXX I received another document from BOA entitled trial modification ( these are enclosed ) saying my payments would be {$380.00}. The documents had to be received by XX/XX/XXXX. Again they added the escrow and added in {$2.00}, XXXX. 
They keep adding these " third party expenses '' to my balance. They have added it 3 times. 
I am begging your agency to help me. 
I am enclosing my primary mortgage statement to verify I am paying my escrow to XXXX. 
I am enclosing the documents that BOA sent me. 
I am enclosing the XXXX payment that BOA claims they cant find my account at XXXX bank.

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