vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My husband and I purchased a home in XXXX through Countrywide Home Loans. Two years later, we were very close to losing our home because of the recession and being in a compromised financial situation. We had an 80/20 loan and the primary mortgage which was with XXXX XXXX worked with us to keep our home. XXXX XXXX modified our loan and we were able to stay in our home. On the other hand, Bank of America which was the Home Equity Line of Credit did not modify and our account went into default. A few months later, Bank of America sent us a XXXX balance notice and we thought everything was written off due to the predatory lending that Countrywide and Bank of America were involved in. We thought nothing else of it until XX/XX/XXXX when realtors showed up at my door step informing me that they could help with our foreclosure. I was informed that this collection agency XXXX XXXX XXXX XXXX has a lien on our property and is proceeding with foreclosing on our home come XXXX XXXX. I have received a Trustee Sale that has been filed with the XXXX Recorders Office. I feel hopeless. I thought that debt was taken care of by Bank of America. I have called Bank of America and they show no record of the original debt. How is this possible? We feel hopeless due to not having the XXXX balance notice. It has been 13 years and this debt collector popped out of nowhere. Is this legal to do? How can a debt collector take someone's home like this. It's been 13 years and we were victims of the predatory lending practices of XXXX. A few days ago I received a settlement check from XXXX XXXX   stating we were part of an appraisal class action lawsuit against Countrywide Home Loans. And now this. I can not comprehend and I need someone to explain what is happening here. I called the debt collector to see what was owed and it is outrageous. I looked this debt collector on the XXXX website and they have 13 complaints against them. I am concerned with the validity of this debt.

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 2020-10-24 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 is incorrect
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
This account was closed in XXXX of XXXX. 
When I bought the car in XXXX of XXXX the wells Fargo Bank lied about making the first payment. 

It was a nightmare making payments Now they are reopening the account to Further damage my credit. Posting late Payments on a closed account that is older than six years. 

On my credit report this account is closed.

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 2020-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: IL

Complaint narrative:
I bought a pan from XXXX, and they sent four boxes I did not order. I returned all the boxes to XXXX and they credited my account. But Discover card sent bills from XX/XX/XXXX until today. The last bill dated XX/XX/XXXX is asking to pay XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The novel coronavirus pandemic has changed everything for my beloved wife XXXX and I in terms of paying the loan from the Bank of America for my car! We are senior citizens of advanced age with serious health problems and so are in the HIGH RISK category. 
As a result, WE CAN NOT WORK! 

Yet the Bank of America is unwilling to change the terms of my car loan so that I in light of the novel coronavirus pandemic that makes work for us impossible! This is cruel and insensitive of the Bank of America. 

I am able to make payment of {$500.00} per month for the life of the loan! The Bank of America in light of my beloved wife XXXX and being in the HIGH RISK category would amend the loan agreement in this regard!

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 2020-10-24 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have contacted the company and spent several weeks trying to get it resolved two months ago and they said it wouldnt happen again.Well it happened again and this time it is worse.My credit report doesnt populate outside of Equifax online system.The mortgage lender and credit monitor service that I pay doesnt have my equifax report.it says no data found or accounts.I have several accounts such as student loans and car loans.I called each account and they all said its reporting fine to all three .I asked the lender and they said they can pull XXXX and XXXX but no data or account populate for Equifax . I could not get a straightforward explanation and now its causing an issue for me to apply for anything. I can even get a free credit report from annual credit report website.I had to go through Equifax website to get one but its not detailed at all its like a summary.Im not sure what Equifax is doing but it needs to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
In XX/XX/XXXX I accepted an offer on a credit card made by Banco Popular de Puerto Rico ( " BPPR ). The offer was for 12 months interest free credit card for all transferred balances within the first three months of the card. Transfers were made within the first month. No other charges have been made to the credit card. To my surprise BPPR started charging interests to my account since XX/XX/XXXX. To this date they have charged a total amount of interests of {$1700.00}. A complaint was made on XX/XX/XXXX with BPPR ( Complaint Number XXXX XXXX, XXXX ) but they still charging interests on the pending balance. Furthermore, no credit has been made to correct the interests charged in breach of the credit card agreement. 
The situation is affecting my credit since the balance reported to the credit agencies fails to show the correct owed balance. To this date more than sixty days has passed since the complaint was made and the have done nothing to correct it. Although it was informed to them that I was in the process of a credit transaction with a financial institution and the situation was affecting my credit possibilities.

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 2020-10-24 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: VA

Complaint narrative:
There are accounts on my credit report that do not appear to be mine and are inaccurately reporting on my credit report. I have attempted to dispute these accounts with the XXXX credit bureaus and they continue to report the accounts.

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 2020-10-24 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: VA

Complaint narrative:
There are accounts on my credit report that do not appear to be mine and are inaccurately reporting on my credit report. I have attempted to dispute these accounts with the 3 credit bureaus and they continue to report the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
The collection agency that post a collection from XXXX that doesnt belong to me has a history of trying to collect fraudulent collections from people. The collection they posted on my account is incorrect, fraudulent. and was already removed two months ago for being so but was placed back on my credit report with a different balance from the last one.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX. XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX. XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809, 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX  XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX   XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 2020-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, one of the Major Credit Bureaus XXXX   exposed the personal data of over 147 million individuals. The personal information exposed included consumers names, date of birth, socials, address, drivers licenses numbers, along with other personal information. Unfortunately, I was one of the 147 million individuals. As a result of this data breach I have become a victim of Identity Theft, my personal information has been used to open several accounts against my knowledge. This has affected me mentally as well as financially as this has caused my overall credit worthiness and credit score to suffer greatly. 

I am currently in an ongoing court case ; I have filed a suit against XXXX as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : XXXX XXXX   XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the XXXX  data breach.

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 2020-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX 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 2020-10-24 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:
Recently, I checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX 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 2020-10-24 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: FL

Complaint narrative:
Recently, I checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XXXX of XXXX I told ProCollect to Only discuss a debt I allegedly owe with my attorney after they dinged my credit without ever sending me a letter saying I owed the debt or verification of the debt. 

On XX/XX/2019, one of their employees called me and harassed me about this debt. I told him I had already in writing asked the company to only speak to my attorney. He hung up on me. 

On XX/XX/XXXX, I wrote ProCollect and told them that their employee broke the law and contacted me instead of my attorney. 

Today, ProCollect reported on my credit report that I had a LATE PAYMENT on this debt. This is a collection debt, I did not open an account with ProCollect and they still have not sent me evidence of this debt. 

Not only did they contact me instead of my attorney, now they falsely reported this alleged debt as having a late 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 2020-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
showed back on my report again with a XXXX debt again balance was paid on this acct

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
First I traveled on foot to 3 different ATM locations listed on US Bank Reliacard 's website, but there was no ATM at one of the locations and the other 2 support various bank networks, but not US Bank 's. I created an online account and finally was able to transfer {$6000.00} to my actual chosen bank account XXXX XXXX XXXX XXXX I have since been unable to transfer ANY amount it keeps saying the " Debit amount exceeds the maximum transfer amount '' even though I did this the exact way before. I even lowered it to 1/3 the amount just {$2000.00} and it still says the same. When I call customer service and wait for the option to speak to someone I was on hold for an hour when it hung up on me. I called twice today and as soon as you choose the option to speak with someone by pressing XXXX, it hangs up. Yes I called back and the same thing happened. I thought XXXX XXXX XXXX XXXX was bad but US Bank has to be the worst!

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 2020-10-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because Experian, XXXX, and XXXX   have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2020-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: MO

Complaint narrative:
I'm currently Banking with Chime & for some how some way. Someone enter into account & was able to change my information & used my Checking Account. Im still in shocked as how to they bypass a Banking Institution security. I've contacted the Bank immediately. Still no reply for their support team. All my funds are gone. I can't use my card no more. I can't login into my account.

Company response to consumer: Closed with explanation