vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
Bonneville Collection stated they called when they didnt and left voicemails which they did not and they stated they sent a letter on the XXXX of XXXX after a missed payment of XXXX $ on a debt that was down to about XXXX $ at the time of the XXXX of XXXX which was never received they then filed with the courts on the XXXX of XXXX. Because of a filing fee and lawyer its now XXXX . When I noticed I hadnt had the money taken out they stated that legal proceedings were already being taken and were quite rude. They said they could serve me at work and wanted to know where I worked and when I made more payment arrangements with the lawyer started calling me at work.

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 2020-10-01 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: GA

Complaint narrative:
I sent dispute letters to XXXX  back in XXXX and the report came back that it was reported correct. But XXXX XXXX corporate office they show no record of me having an account with them. Credit bureau telling me these are information they getting from creditor. So I ask them to validate it show me and the guy told me he couldnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
Per the CARES ACT I am entitled to a 12-month forbearance on my XXXX XXXX owned loan which is serviced by Amerihome Mortgage. I have been granted an initial 6-month forbearance which is scheduled to expire on XX/XX/2020. I have requested an additional 6-month extension but this was denied by Amerihome. 

Instead of granting the extension, Amerihome has XXXX my access to certain parts of my account on their website and sent me this false statement saying i need to get the loan current immediately. I did not request to get the loan current just yet, i requested an extension. This servicer is intimidating me, they never pickup the phone when you call and they do not respond to mailed requests for information. See attached false statement/letter from Amerihome.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I corrected the account with the original debtor once I found out about the account. By that time it was sold to a collection agency but it states they will take care of it. I am a victim of identity theft fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
Please to attached files. 
Files include ... 
Letter to you ( CFPB ) as to our issue with Loan Care Our many correspondence with Loan Care Letters from Loan Care informing us they are working on a resolution they have been telling us since XX/XX/2019. 
Proof from our credit union ( XXXX XXXX XXXX XXXX ) that the payment was made and they received the funds.

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 2020-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
ATTACHMENTS INCLUDED. THIS IS NOT A DUPLICATE COMPLAINT FROM A THREE YEAR ORDEAL! At the end of the complaint, I am swearing that this complaint is truth. I will use care how I word this letter to prevent any misunderstanding. 
The Capital One credit cards were mine. The credit cards were stolen. There were unauthorized purchases and unauthorized payments that Capital One allowed so the credit limit could be exceeded. I have previously sent a XX/XX/2017 sheriff 's report and FTC identity theft reports. I will notarize this complaint if required. I do not understand and I have not received an explanation why Capital One refuses to acknowledge my repeated claim of card theft and identity theft. 
Cards were stolen first of XX/XX/2017 with all unauthorized charges. 
At the end of XXXX and first of XX/XX/2017, the thief made bogus payments of {$2200.00} & {$3300.00} on card ending in XXXX and both were insufficient. I have repeatedly asked for the information of these payments ; name of person, name of bank, date, time, IP address, mobile or web, and explanation of charges. I have been repeatedly denied. The following month, the thief made another bogus payment of {$4800.00}. The payments allowed the thief to continue using the card. Capital One allowed this instead of waiting for payments to clear the bank. 
At the end of XXXX and first of XX/XX/2017, the thief also made bogus payments of {$2100.00} & {$3100.00} on card ending in XXXX and both were insufficient. Why odd amounts? I have repeatedly asked for the information of these payments ; name of person, name of bank, date, time, IP address, mobile or web. I have been repeatedly denied. The following month, the thief made more bogus payments of {$99.00}, {$190.00}, {$99.00}, and {$4500.00} and all were insufficient. The payments allowed the thief to continue using the card. Capital One allowed this instead of waiting for payments to clear the bank. 
Capital One needs to research the charges and will realize the theft. Payments were made to XXXX XXXX XXXX XXXX. Please send name of the person who was on probation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: PA

Complaint narrative:
I am requesting that the collection agency Americollect INC demonstrate that I do indeed owe the debt and that the agency provide detailed information and documents to prove the amount owed. 

Federal law says that a written notice of a debt, must be received by consumers. I have not received any notice or correspondence from this company regarding this debt. On XX/XX/2020 I received a notification from MyFICO that a collection was added to my report. Also after reviewing my credit report I noticed that Americollect INC did a soft pull of my credit in XX/XX/2020. 

I request verification of the amount of debt owed ; the name of the creditor for the debt ; and to have the erroneous charge removed from the my credit report. I am unfamiliar with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
When I pay extra money ( above the monthly minimum due ) the money does not go to the purchase that will incur interest charges first.

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 2020-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I made a complaint against PNC regarding a NSF fee that posted on my account. Complaint number XXXX. On XX/XX/XXXX PNC Supervior XXXX reached out to me and resolved my first complaint. On XX/XX/XXXX I filed another complaint against PNC regarding to charges they placed on account. Complaint number XXXX. To which CFPB/PNC deemed as a duplicate to which it is not. On XX/XX/XXXX I contacted CFPB regarding the error and per CFPB rep XXXX advised that I have to filed the complaint over and explained that this a totally different complaint. On XX/XX/XXXX PNC Bank charged my account with two fees in amount of {$100.00} ( {$96.00} excessive withdrawal and {$4.00} monthly service fee ) In my prior complaint ( XXXX ) I explained that I reached out to PNC and spoke with their rep XXXX who stated that she " tried '' to request a refund onto my account in amount of {$100.00}. In addition, I explained that PNC Bank had NEVER charged me such fees and I had withdrawals from the months of XXXX and XXXX. THIS IS NOT A DUPLICATE COMPLAINT!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/30 and XXXX, I have tried to explain to Capital One that they should be releasing Available Credit upon paying the balance. As of XXXX, I have closed the account with Capital One due to many different factors, one including employees in the XXXX who thought it was funny that I was requesting the available credit to be available. I could hear a subtle giggle after the employee put herself on mute and then unmuted herself. I don't appreciate all the level of mistreatment by these people and they should all be fired. 
I wish for no additional communication from Capital One. I'm disgusted with how they operate from a business perspective.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: Nelnet, Inc.
State: OH

Complaint narrative:
I was not late on these accounts and Nelnet, XXXX, XXXX, and XXXX  has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX I have attached the certified letter that was sent to all the parties mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am trying to refinance my home in XXXX XXXX, FL. I am a customer of BB & T and have a Home Equity Line with the bank. In order to close on my refinance, I need a SUBORDINATION document from BB & T. The request was made on XX/XX/2020. A confirmation of the request was sent via email with an explanation that it could take 20 days due to the COVID Pandemic. It has now been more than 30 days. I believe 20 days was excessive, but 30 days is unreasonable. I have left several voicemail messages with : XXXX XXXX XXXX / XXXX / XXXX / the agent with my case. They have gone unanswered and I have simply been ignored. I am dependent on BB & T providing reasonable and timely service. They are not providing that and are ignoring their responsibility.

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 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I received a call over the weekend from Chase asking me to bring my account current. I was confused, because although I have two accounts, but knew that autopay was set up for both of them. Unfortunately, I didn't realize the autopay had been set up to an old bank account and had bounced the previous payment, and was about to bounce another payment. 

I logged in to make a payment yesterday and found that both of my Chase credit card accounts were closed. I called, and they told me that their auditors decided that I had had too many bounced payments on one account, so both were closed permanently. I escalated to a supervisor, who wouldn't budge, and even spoke to their risk department, who said they hadn't closed the accounts, and that Customer Service had. 

To be fair, I did bounce payments in XXXX because an auto-pay was set up wrong, and among raising a child, working full time, and dealing with a partner still struggling with COVID symptoms months after contracting the virus in XXXX I didn't notice the payments were bouncing necessary, but would go in and make payments. I wrongly assumed Chase would warn me, charge me fees for the bounces, or lower my credit limit. They say they've sent a letter, and while I have received letters now about the bounced payments, I haven't received anything regarding the closure. And yesterday, my cards stopped working, essentially without any warning. 

The problem account was opened in XXXX. For 19 years my credit limits with Chase on that account had waxed and waned. Id been punished before for missing payments or bouncing payments. But never had I been even threatened with closure. There was zero precedent for this, and I had no cause to be worried in my mind. 

Further, the other account was current and had had no problems. It is a Chase Sapphire Reserve card for which I paid {$550.00} for the year of membership. When asked if some of that money would be returned pro rata I was told that it was past the 45-day mark, the relevance of which wasnt clarified for me, and that that meant I couldnt receive any of the money back despite being incapable of accessing the services I was charged for. 

What's particularly painful about this sudden closure is that I've been loyal to Chase ; I assume its because I've spent so much time and money with this bank that they've reciprocated with credit limits that combine to {$47000.00}. Closing these accounts will adversely affect my credit scores as I've only ever used these two credit card accounts, and let others atrophy. This is the lion 's share of my total revolving credit. Further, my total utilization of this credit limit is low and has been so all year, despite the financial hardships we've experienced during COVID-19. Please see attached screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Accounts in good standing for 20+ years.

1. Bank abruptly decides to close account - allegedly for " operating a business type that we have chosen not to service '' ( for reference I work in the medical IT 
consulting field - specifically Covid projects ) - give 30 days " non-negotiable notice '' and XXXX number to call " with any question ''. 
2. 1-851 line is a scam - staff consistently answers with : " we can not give any explanation ( s ) '', " we can not discuss any bank policy ( ies ) '', " all we can do is confirm that closing notice is final ''.

3. Bank abruptly changes reason of account closing to " like you asked us to '' - After many calls - including one from my same bank personal wealth management associate NO INFORMATION OF ANY SORT IS PROVIDED NOR CAN BE OBTAINED.

4. I stop making payments and send a letter requesting details/contacts re : whom allegedly requested accounts to be closed. I receive a letter back stating " we are unable to process your recent inquiry [ .. ] with the information provided. 
5. Non-stop collection calls from XXXX number start from XXXX including weekends 6. I answer *many* of them and ask EACH TIME : A ) please review notes and that you see my prior requests - and complaints filed - to have manager review case ( ie " business type '' that the bank no longer service AND information regarding who allegedly requested account to be closed ) B ) EACH time I told that yes the many requests can be seen in the system but that no further details can be provided as only a manager can do that.

C ) No Supervisor or Manager are EVER avaible D ) EACH time a promise is made to have manager call back WITH INFORMATION within 24-48 hrs. THIS NEVER HAPPENS 7. When it becomes clear that this account closure due to business type is a sham and clearly will not be reversed, I spend 2 1/2 days of otherwise billable time ( @ XXXX XXXX/hr ) setting up alternate banking and credit card accounts with different banks 8. After at least a dozen conversation with customer service - many of them documented and some even with case # 's assigned to them, the bank has the gall to send me a letter claiming that they " have not been able to reach you [ me ] by phone since your initial communication ''. 

Is this time of Covid - and other banks *helping* their customers - there is something ominous about this scripted and clearly planned Bank of America closing of GOOD STANDING small transaction accounts without cause or reasons. 

This should be investigated for BOTH orchestration, cover-up, and extent of doing. issue.

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 2020-10-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
To whom it may concern, I am not connected to this debt with Conserve. I have attempted sending several disputes asking for Request for VALIDATION, NOT Verification mutiple times through certfied mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, and recently again on XX/XX/XXXX. I sent these disputes to all three credit bureas and Conserve collection agency. Conserve will not reply to my letter directly but when calling the credit Bureas I am told that Conserve responded to their own inquiry saying this date is mine by using my CURRENT Address and name. 

My address and name should not be the only proof that shoud be used to connected to a debt. After disputing for the last three months I never got a response from them which is against the fair credit reporting act. My dispute said the following : " If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX  and XXXX  } request shall be sent to me immediately. " I again recieved no response unless I call the credit bureaus asking why isnt this file in dispute and why is it still on my report if they are not responding to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon viewing a possible credit report associated with a tax identification number of which I am the authorized representative I noticed a myriad of inquiries and one revolving credit account. This information is being shared by any or all of the three credit bureaus namely XXXX, XXXX  and TransUnion. TheFair Credit Reporting Actgives an authorized representative the right to dispute information they believe to be incorrect or unverifiable. Credit reporting agencies are responsible for removing any disputed information that cant be verified or confirmed. Theyre also obligated to provide a description of the dispute process if you request it in writing. I have seen that these agencies are reporting information without my authorization or my knowledge. This is complaint is a formal request toward the three credit reporting agencies to make available the document authorizing them to make this information public. In an age with identity theft, artificial intelligence, robocalling and robo-signing, how can we be certain that a man or woman is authorizing any action taken in this digital world. Please make available any and all documents with a wet ink signature demonstrating an authorized user has given consent to any and all information made available on the credit profile associated with the corresponding tax identification number. If any and/or all of the reporting agencies can not provide this then I demand the information be removed as I am the the authorized representative of the corresponding tax identification number and my wet ink signature is provided along with this complaint. Furthermore, if the document being provided by me, the authorized user, is the evidence being used to support the veracity of the information that does not serve as valid proof as the information was reported before my complaint was filed.

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