vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Contacted Bank of America Visa and XXXX XXXX XXXX Fl in regards to {$4.00} and {$180.00} charge XX/XX/XXXX. on my card ending in XXXX. Both companies were told by me that it was not me and my card was used fraudulently. 
Both companies have dropped investigations. 
Neither looked at the video to confirm it was not me. Bank of America said a chip was used so its not responsible. The card was never given to anyone. I live alone and card locked up while at work. XXXX XXXX provided BA with a credit slip with another persons phone number and XXXX XXXX membership #. 
Im not a member of XXXX XXXX. Thanks faxed BA a police report with the XXXX # and it never processed report. BA just dropped case inspite of me pleading it wasnt me. Disappointing after being a loyal card member for 26 years. BA fraud dept. said I had to get credit from XXXX XXXX before I would be reimbursed. Paid Amt. so my credit wouldnt be ruined. XXXX XXXX will not issue me credit. XXXX XXXX says the investigation has to be done purely between Bank of America and XXXX XXXX. 
This occurred at XXXX XXXX XXXX XXXX XX/XX/2020 Time ; XXXX Terminal 4 Transaction number XXXX   Im devastated that as a law biding citizen US and loyal client of Bank of America that it has refused to resolve fraud case and for XXXX XXXX never looking at video. 
Please help me!!! 
Best, XXXX XXXX XXXX XXXX. Also contacted BA CEOs office and XXXX XXXX their consumer advocate never answered or returned repeated calls and supposedly he was going to try to investigate thoroughly. Id say Ive been on my phone 14 hours and neither company will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BMW Financial Services NA, LLC
State: MO

Complaint narrative:
: Service Manager XXXX XXXX sending me threatening letter to place a mechanics lie n and selling my car at auction for non-payment while I have been away for military service. I have paid nearly {$1000.00} and my 3-Series that Ive had serviced there for 13 years STILL DOES NOT RUN! XXXX XXXX has not been able to make any progress or give an accurate diagnosis of the issue since the car was towed there in XXXX of 2020. Service Mgr XXXX now charging me {$1500.00} dollars in storage fees and violating my rights under the SCRA or Service Members Civil Relief Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: OR

Complaint narrative:
Account at XXXX  ( Gemini Trust ) was funded {$500.00} by ACH transfer. Nothing can be done until account is verified which has not happened in TEN days. No way to contact company other than email which is non-responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and I have had a credit card for 4 years. XXXX  and Experian do not provide me with my credit report or credit score. I called both XXXX  and Experian several times and they refuse to help me. I even mailed in dispute to each of the companies. 

My credit card company sends my credit history to these credit bureau every month, on the XXXX of the month. Yet I never receive my report or a score. 

When I ran a credit check, I got the following errors. 

1 ) XXXX  error : " Record not found '' 2 ) Experian error : " Invalid Spouse name '' and " The bureau data supplied doe not match borrower 's information '' XXXX  said that my first name is too short and so I need to hire a credit repair service. 

Experian said I do not have a credit file. 

If I have no credit history, my report should have said " Insufficient data '' instead. It's like my social security number is not registered with XXXX and Experian ; and they are not even trying to investigate the issues. 

Why are these bureaus being to reluctant to help a consumer?

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 2020-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter Finance fraudulently increased my account balance with the credit bureaus without my knowledge three ( 3 ) times in 2 weeks causing a morbid drop in my credit score all while having good payment history and paying as agreed to my contract. When I disputed the charges, Exeter retaliated by increasing my account balance {$200.00} with credit bureaus causing a 105-point drop in my credit score ruining my purchase power. I was never made aware of the {$200.00}. Exeter does not keep accurate records and submits fraudulent information to credit agencies. Exeter Finance has violated their signed agreement as well as the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX a internet company by the name of XXXX XXXX CA charged {$910.00} to my stolen credit card number is there any action that I can take against this company you can contact me at the following XXXX or at the following ( XXXX ) XXXX or ( XXXX ) XXXXThank you for your assistance in 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 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY
State: NJ

Complaint narrative:
Towne Mortgage Company does not accurate communicate all monies owed on my mortgage on their website. Apparently, there is a late fee on my account that I would not know about because it is not presented anywhere on the website. You'll see on the screenshot I provided they only publish the regular monthly payment due yet nowhere is there a late fee communicated. Yet when I call they say I owe a late fee. At the same time, you'll see an additional screenshot for making a one time payment, there is no entry available to dedicate funds to the late fee owed. This is perpetuates an infinite cycle of fines which is dishonest!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: VA

Complaint narrative:
In XX/XX/2020, I received a letter form IC System for debt collection on behalf of XXXX XXXX  XXXX which total in {$61.00}.

I called the debt collector firm right away as I wasn't aware of any amount owed nor I do not recall I purchased anything from the hospital institution.

The debt collector asked me if I want to dispute the transaction and submit a request to receive a itemized receipt from the hospital, I said yes. I stated that I do not have problem with paying the amount, but out of principle I just don't hand money out to anyone without proof of service/ receipt.

The debt collector asked me look out for a letter from hospital that should arrive in few weeks. I waited, but never received the proof nor was contacted again. 
However, on XX/XX/XXXX, I got credit report stating that I have one derogatory account open for {$61.00} and that it was reported to the Credit Institution so it will affect my good standing! 
I called the debt collector again on XX/XX/XXXX and asked about this, they told me that they didn't receive any proof from the hospital but that there is nothing they can do to revert the claims reported on my credit! I paid the {$61.00} hoping it will go away from my credit report, but I am not certain and I found this tactic dirty and unfair. Even if I did own that amount, don't I have the right to see the proof before being reported to the credit bureau? Can you help me to solve this or advice me on the options I have? 
Thank you, 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 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PREFERRED CREDIT INC
State: TN

Complaint narrative:
Preferred Credit has continued to call us within minutes of each other to let us know our payment is late even during the grace period before its actually late. We let them know our payment would be late due to us  having a XXXX. Today on XX/XX/XXXX, they called twice in a row 3 minutes apart after already leaving a voicemail. Having worked in collections myself, I happen to know this is not legal. We have a XXXX   XXXX  and this has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After 3 previous attempts, starting in XXXX, and continuing through XX/XX/2020, i have asked equifax, credit reporting agency, in  certified letters, stating my name and address, proof of identification to investigate eroneous, and unverified accounts listed on my credit report, be verified with proof of my signature on contracts. After 4 attempts equifax has failed to provide me any of the documents in question, with my signature on them, according to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) THAT THEY PROVIDE ME WITH ORIGINAL, DOCUMENTION WITH MY SIGNATURE ON IT, furthermore they have failed to provide the method of verification as required under section 611 ( a ) ( 7 ) and were advised by me that under section 611 ( 5 ) ( A ) of the fcra, that states that ( ALL ) information that can not be verified be promptly deleted from my credit file!! equifaxes continuing violations of the fair credit reporting act, has  caused me to send a final letter dated XX/XX/XXXX a certified notice of pending litigation seeking relief and monetary damages under fcra section 616 & 617, and received a letter from them on XX/XX/XXXX totally ignoring, and violating my rights, to have these items promptly deleted from my credit file, i am asking that you help me in these unprecedented times, receive satisfaction, of these wrongs by the equifax credit reporting agency. thank you in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need to have ALL PAID Collection Accounts removed from my Credit Report. The accounts have been paid. I need them removed from the report as soon as possible. 
They have been paid for some time now.

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 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I logged into Experian to remove my Credit freeze. So after doing that when I log in it says it was removed. But when you  look at my credit it is from XX/XX/2016. How do I get it to update to current. I have tried EVERY option on their phone tree. Can you help me with this and get my credit updated. I have already removed it off the other sites. 

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 2020-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
I filed for a VA streamlined refinance loan on XX/XX/2020 & XX/XX/2020 loan # XXXX. Thereafter I filed for cares act protections due to covid.

The company repeatedly contacted me to review my Cares Act forbearance although I never missed a payment but refused to provide any guidance on the loan I reached out several times inclusive of a callback request to notify the lender I could not access the documentation to secure the loan but the lender has provided no responses in the matter.

I feel I am being penalized for merely filing for protection under the cares act and have been denied a refinance that would have provided significant savings.

I also believe the lender sent documentation to the incorrect mailing address further delaying the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have been trying to get my escrow account fixed for months. I have faxed numerous requests to PNC, and my updated real estate tax bills, yet they continue to over escrow me. Can someone please help me adjust my escrow account. This is the 3rd time this year I am requesting an analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: FL

Complaint narrative:
I put money on my netspend card and they will not let me withdraw or let me pay bills. They will not refund the money or transfer the money to an active debit card. My bills are now being shut off and no matter how many times I try Netspend or supervisor they either hang up or tell me someone will call be in 1 - 3 business days.

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 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need to have ALL PAID Collection Accounts removed from my Credit Report. The accounts have been paid. I need them removed from the report as soon as possible. 
They have been paid for some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I need to have ALL PAID Collection Accounts removed from my Credit Report. The accounts have been paid. I need them removed from the report as soon as possible. 
They have been paid for some time now.

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 2020-09-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
UNFAIR AND DECEPTIVE TRADE PRACTICES IN VIOLATION MGL 93a FORCED TO BUY THEIR EXTREMLY EXPANSIVE HAZARD INSURANCE AGAINST MY EXISTING.

NO COVID-19 PROVIDED ASSISTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife and I married in XXXX. We made a payment on my credit card from her bank account. This defaulted her account as the preferred account. We did not notice from XX/XX/XXXX to XX/XX/XXXX. My wife noticed payments from her bank account and marked it as fraudulent, but we did not identify my credit card as the account until JPMorgan Chase began sending me notices of the balance. I immediately paid the JPMorgan Chase credit line balance. The credit line remained open for about another month, during which I used the credit line and subsequently paid the balance. For all the credit line balance in question, I paid well within the terms. Recently, JPMorgan Chase closed the account and reported me as delinquent in the payments form XXXX to XXXX ( although the balance was paid immediately and for a second time ). I contacted JPMorgan Chase to resolve the issue. JPMorgan Chase claimed the payments were never received because the payments were reversed. I disputed, saying for the payments to be reversed they must have originally been made. I can not go back in time for a second payment to be received, an impossibility. Further, when the balance for the reversed payments was reported to me in XXXX, I immediately paid. Therefore, under no legal or logical definition was I delinquent by my own action. Despite my dispute, JPMorgan Chase closed the account and reported the fully paid balance as delinquent. I believe this was done to intentional impact my credit score ( which was immediately lowered ), or at the least, JPMorgan Chase 's systems and processes are recklessly designed to negatively impact debtors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
RE : Loan Number XXXX Shellpoint Mortgage Services Phone : XXXX XXXX Fax : XXXX Agent that service that case XXXX XXXX XXXX ( XXXX ) XXXX Borrower XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX I requested at end of the XX/XX/2020 to send me payoff letter and mortgage assignment letter so I can refinance my home I need mortgage assignment letter to arrange for my existing lender to assign, or transfer, the mortgage to the new lender.so I  dont have to pay the states mortgage recording tax all over again. 

I have received a payoff letter but i have never received mortgage assignment letter My attorney sent to Shellpoint Mortgage Servicing mortgage assignment request I filled and signed it. My attorney submitted that form to the Shellpoint Mortgage Services beginning of the XXXX and it seems went in vain. Multiple calls and requests to confirm mortgage assignment and letter from Shellpoint Mortgage Servicing stating it are disregarded. Promises to call back and resolve that issue also not delivered. I feel hopeless. 

Taking into consideration now days situation and my financial status I'm asking you help me in this situation. 
Thank you so much for your consideration and attention to that matter. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i have been trying all day on XXXX XXXX XXXX to update my status it kept saying we are having technical problems i called the number same thing i even did it to the other 2 credit companies i put a freeze and fraud alert on my account im still getting companies i have not looked at on my credit report i tried the experian boost and my bank and bills names where not on the list it said i can add it at the bottom but it would not let me i feel this is a joke i almost paid for the boost thank god i didnt

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 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied for a conventional loan on XX/XX/2020. From there began a process of repeat asks for documents. Delayed asks for clarification and additional documents. From the intake, through processing to underwriting. The bank was provided the ratified contract which the date of the financial finalization as well as the closing date of XX/XX/XXXX. I was not told until XX/XX/XXXX, that we would not be able to close because of something raised in an inspection report that they didnt question until having the document for over a week. Also, I was told on XX/XX/XXXX if I didnt have a contract on my current home that I would need XXXX more to close as a secondary home. 

The process was extremely delayed due underwriting not reviewing documents in timely manner. They asked for information which was over 20 years old and not relevant. My credit score over XXXX, I have stable employment and a current mortgage with them. The delays nearly cost me the house. The seller relisted the house and received an offer.

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