vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Bank of America Credit card disputed amount. XXXX included a {$30.00} haul away fee in the purchase of a Dishwasher which I charged on my BofA card on XX/XX/XXXX from XXXX 's # XXXX {$530.00}. XXXX 's delivered the dishwasher but did not provide the installation or the haul away service of {$30.00}. I called the store and the number provided by BofA. On three seperate calls, store employees promised the {$30.00} credit. The credit did not show up. After 30 days I went to the BofA website to dispute the amount. I was unable to figure out how to dispute part of the charge. I noted on the website disputed amount of {$30.00}. BofA credited me the total {$530.00}. I called BofA number provided on XX/XX/XXXX, waited for over 35 minutes, talked to XXXX who said she could not help me. She transferred me to a supervisor who she said could help me. She transferred me to a XXXX  language queue that kept me on hold. I hung up. 

I received a letter from BofA dated XX/XX/XXXX confirming the credit for the full amount. I wrote back to BofA to say I only want a {$30.00} credit. I'm waiting for their reply. 

Why is this so hard. No phone response that works, no email access. Why do I need to write a letter to correct XXXX 's and Bank of America 's mistakes. Boo on them.

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 2020-04-28 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My loan is with Mr Cooper. 

In XXXX my payment went up and when I called in I was told it was due to my escrow account going up. 

I found this very strange as I had reduced my flood insurance but {$1500.00} and my home insurance by {$1700.00}. 

I found out that had in fact paid my old home owners insurance company and my new one. 

I called my old insurance company and they returned a check to me for {$4100.00} and I paid that on my escrow account. I have them agree to running a new escrow analysis. It has been over 60 days and this has still not been done. 

I have been told by one of their representatives to hold my payment until it fixed. They have charged me a late fee despite them promising me they would not charge a late fee. Then they promised it would be removed from my bill and these charges still have not been addressed.

I notified them under Section 6 of RESPA that they had to comply within the time frame outlined by section 6. They have failed to respond. This is my second complaint about the conduct of this servicer.

Under theses difficult times I am struggling to make my payment and this is not helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

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 2020-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I opened a " Platinum '' Money Market account with BMO Harris Bank on XX/XX/2020. I was told I needed to immediately deposit {$5000.00} in order to qualify for the " Platinum '' account. I made a {$5000.00} deposit immediately and received confirmation on that same day that my opening deposit was complete. I then received an email from BMO Harris with the subject line, " Come back and Transfer Funds ''. So I made a second transfer for {$5000.00}. When I went the following day to check my BMO Harris account, I received an error that my log-in information was incorrect. I called BMO Harris ( XXXX ) and was put on hold for nearly 50mins. Someone then answered, verified my identity, and told me they needed to transfer the call. They then disconnected. 

I called back the following day, was again placed on hold- this time for 35mins. Was asked a series of questions to verify my identity and then was placed on hold again while I was transferred to " the tech department ''. Someone answered, asked a series of questions to verify my identity, and then informed me that a hold was placed on my account, and they weren't sure why but I should keep trying to log in and eventually my log-in would work. 

The following week, after no success accessing my account or the money I'd deposited, I called XXXX XXXX back. This time after being on hold for an extended period I spoke to a personal banker. I explained that I wanted to just cancel the account and have my money returned to me. She told me that she couldn't do that, but would transfer me to the " fraud department ''. After being placed on hold, the personal banker returned and informed me that the " fraud agent '' assigned to my case wasn't available. I explained that I had called several times and had spent hours on the phone with the bank in an effort to rectify this issue. She said there was nothing she could do, and that I should call back. 

I called back again today ( XX/XX/2020 ). Same thing- identify verified, but they refused to put me in contact with someone who could solve the issue AND they refused to return my money to me. I have no way to access my funds, no way to view my account, and they are refusing to allow me to close the account. It has been several weeks and a complete nightmare. Please help me. 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 2020-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
Debt was paid by insurance but, they paid it off late. So in result the hospital sent it to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
XXXX  XXXX XXXX says that I owe them {$27000.00}. I paid less than the amount due, but they left the note on my credit report saying charged off instead of " settled in full ''. The coronavirus is hurting me financially, and they refuse to help me. I need access to additional credit to make it through the COVID-19 shutdown.

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 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: WA

Complaint narrative:
I responded to an ad on XXXX  to a local mattress company, XXXX  XXXX in XXXX WA. This appointment made was unbeknownst to me a " group '' appointment of other interested parties seeking mattresses. I was first in line to be " financed '' ( I Have pretty good credit so I was not concerned ) It was told to me " if '' I paid within 3 months there would be no finance charges ; It wasn't brought to my attention that ; as I would later find out, the company " American First Finance '' in XXXX, Texas, charged me 95 % Finance Fees!?!!? Had I not been rushed so salesman could pursue the others purchasing I may have noticed this on the paperwork I signed, and would have either opted to obtain far better loan financing through my credit union or anywhere but American First! 

Very unfair & unethical business practices, but that isn't my main complaint! Please see attached compilation of email correspondences while coordinating my FINAL payment in FULL. also attached are pics of texts between First American and  myself, showing their unethical business practices and standards or lack thereof. Also attached is the Statement I received from American First XXXX XX/XX/2020. They harassed me consistently and over excessively, even after speaking with someone telephonically that I would be filing my taxes and would be paying this small balance in FULL. 

I emailed and texted that I had just mailed payment in full on XX/XX/2020 in the amount of {$290.00} and the check #. I keep receiving demands for payment. I looked into my financial statement and seen that they had in fact received and cashed the check on XX/XX/2020. 

As you will see, I sent several emails in response to their " automated emails '', I would receive an auto reply saying someone would be getting back to me, That NEVER happened, ever ... .until TODAY XX/XX/2020, please see in my compilation in order of beginning to end. A XXXX XXXX is suggesting I still owe an addition {$140.00}?!?! 

I am done attempting to get through to this company and this representative! I have also received a notice from XXXX XXXX because American First Finance had reported me as negligent on my " debt ''. I have asked American First to correct this, but as you can see I get absolutely NOWHERE with them! Hence my filing this complaint. 

I remain hopeful your department can through to this company and contact XXXX  etc and CORRECT their mistake in reporting and risk damaging my credit rating immediately! 

Thank you in advance, I look forward to a resolve and appreciate your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank is reporting on my credit card a 30 day late payment on XX/XX/XXXX and XX/XX/XXXX to the credit bureaus XXXX  XXXX and XXXX. 
This is false and I have requested that they correct this and remove the late payment. They still have not updated this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I refuse to pay 50 % on a student loan Ive paid 10 x over. I hav e no problem owing what I owe for school which has probably been paid 10 x over : I had my loan way down. I started making goodi have no problem. I will not pay 50 % this is worse than the title stores. Can someone please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I AM SUBMITTING A DOCUMENT RELATING TO COMPLAINT NO. XXXX BECAUSE THE WEBSITE DOES NOT ALLOW ME TO UPLOAD THIS INFORMATION. 

THE OVERALL INFO IS AS FOLLOWS : CFPB RESPONSE TO LAST RESPONSE FROM BBVA COMPASS COMPASS ASKED WHAT ELSE THEY COULD DO FOR ME. 

I AM TRYING TO GET A RESOLUTION TO VARIOUS ASPECTS OF COMPASS HANDLING OF THE SAFETY DEPOSIT BOX FORCE DRILLED BY THE XXXX XXXX XXXX IN 2009. THIS RELATES TO THE DEPOSIT BOX HELD AT XXXX XXXX XXXX BRANCH IN XXXX TEXAS. IT WAS DRLLED BY XXXX XXXX XXXX, NOT BY BBVA COMPASS, ON XXXX XX/XX/XXXX XXXX ALSO, IT IS BELIEVED THAT THE CONTENTS WERE FURTHER MOVED TO THE FIRST STATE BANK AT XXXX TEXAS XXXX 
PER THE COMPASS INFO EARLIER PROVIDED. THE BOX CONTAINED FUNDS PLUS OTHER RELATED AND ONE OF A KIND DOCUMENTS. COMPASS HAS INDICATED THAT THE BOX CONTENTS WERE ESCHEATED TO THE TEXAS UNCLAIMED PROPERTY. HOW WERE THE BOX CONTENT ITEMS IDENTIFIED TO TEXAS UNCLAIMED PROPERTY? WERE THEY IDENTIFIED BY BBPA COMPASS ( A ) AS A NAMED SET OF ITEMS OR ( B ) AS A NUMBER OF INDIVIDUALLY NAMED ITEMS.? WHAT WERE ALL THE NAMES COMPASS UTILIZED IN DEALING WITH TEXAS UNCLAIMED PROPERTY WHAT ARE ALL THE NAMES AND IDENTI FIERS USED BY TEXAS UNCLAIMED PROPERTY FOR ITEMS, DATA OR PROPERTY ESCHEATED BY BBVA COMPASS. WHO DID COMPASS STATE TO TEXAS UNCLAIMED WAS THE OWNER OF THE DRILLED BOX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
There is an fraudulent car loan on my credit report I sent the credit bureaus the information they needed from me & still no progress please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: PA

Complaint narrative:
There is an fraudulent car loan on my credit report I sent the credit bureaus the information they needed from me & still no progress please help me with this matter

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 2020-04-28 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: PA

Complaint narrative:
There is an fraudulent car loan on my credit report I sent the credit bureaus the information they needed from me & still no progress please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: PA

Complaint narrative:
There is an fraudulent car loan on my credit report I sent the credit bureaus the information they needed from me & still no progress please help me with this matter

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 2020-04-28 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: NC

Complaint narrative:
I previously contacted XXXX  XXXX  XXXX  prior to disputing this negative account with Experian, they keep telling me my dispute results came back as being verified when I sent them a letter response from XXXX XXXX XXXX saying that they could not locate an account that Experian says that they verified that I had with 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 2020-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Grant & Weber
State: CA

Complaint narrative:
I never received a letter, email or phone call when they took over the debt back in XXXX, and it just showed up on my credit report in XXXX. They are charging me interest rates on a medical debt when the original debt collection agency ( XXXX  ) was not, and they say the interest charges will never stop if i don't pay. They refuse to take any type of settlement payment, and when i asked for a written statement disclosing the process of what happens ( he owes this much, on this payment and this is what happens after you pay, etc ) and he said no. They also told me that the derogatory mark in collections will stay there even after 7 years? ( I thought it wouldn't be considered a derogatory mark after i payed it ) He then oppressed me by saying he thinks i'm insecure because i'm asking them for confirmation they wont steal my money like so many other people claim have happened. This is completely 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 explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
This company which I have NO CONTRACT with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice should you fail to provide us with a copy of our agreement and provide a persons name that we can communicate with then we will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with Fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record correct or correct such record where a defect is found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TX

Complaint narrative:
I have sent multiple letters and made multiple phone calls to XXXX XXXX, XXXX, Transunion, and XXXX. The account is inaccurate and invalid. The account does not belong to me. I have notified them of this but the account remains on my credit 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 2020-04-28 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: TX

Complaint narrative:
I have sent multiple letters and made multiple phone calls to XXXX XXXX, XXXX, XXXX, and Experian. The account is inaccurate and invalid. The account does not belong to me. I have notified them of this but the account remains on my credit 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 non-monetary relief