vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My wife and I opened a business account with BBVA in late XX/XX/XXXX ( I believe XX/XX/XXXX ). We a debit card and two credit cards. We closed the business account and credit cards in person at the local bank where we originally opened the bank account and cards on around XX/XX/XXXX. Around XX/XX/XXXX we received a call that we were in collections at BBVA for a charge on a credit card. When I called BBVA they told me I had a charge on a credit card, and after talking with the credit card department and fraud department, it was determined that the charge was fraudulent. BBVA told me they would call in 90 days with the resolution. They never called back, so I called the bank in XX/XX/XXXX. In XX/XX/XXXX I was told that in fact multiple additional accounts had been fraudulently opened and multiple charges existed. The bank refused to send some charges to the fraud department because we had waited too long to report the charges. We had not been notified about any charges other than the charges in collection, and when I called in XX/XX/XXXX, they said no more charges could occur on our account ( an account that the bank failed to close in XX/XX/XXXX ). The bank also refused to close multiple accounts despite the fact that some of the accounts were opened fraudulently. I was told that the accounts cant be closed with a balance, so to close the accounts I paid the fraudulent charges, however the bank continues to not close some of our accounts. In addition to the above, multiple people at the bank give us different information about accounts under our name and at this point we do not know how many accounts exist under our name at the bank. This is truly a nightmare for us and the bank is not helping and wont ensure that more fraud does not occur on our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC 's behavior is illegal. HSBC has violated regulations. 
Please HSBC to abide by the regulations and safeguard the rights and interests of customers. 
HSBC should immediately submit a dispute appeal to the store for me and ask the store to submit supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: CA

Complaint narrative:
Three times I have been denied credit because the company can not contact me at an old phone number. Both times I have had Experian remove the number and they say they did but it keeps happening. This is the third time and I'm incredibly frustrated.

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 2019-11-29 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Good afternoon! 

Several weeks ago on XXXX I attempted to retrieve my annual online credit report from EQUIFAX via the XXXXXXXX XXXX website. On XXXX I sent a dispute in to EQUIFAX via their myequifax website. I spoke with Call center Supervisors, XXXX, XXXX to no avail. On XXXX, As requested I faxed my drivers license and social security card over to their fax line XXXX. I call on XXXX and XXXX and they have not processed it. I can not access my online credit report from either XXXX or MyEquifax.com ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
At the end of 2018 I applied to have my PMI dropped. I was told I needed to have an appraisal. I received my appraisal, which demonstrated I was below the 80 % loan to value required and asked them to drop my PMI again. I was told that they needed to have 65 % loan to value, because it was an investment property. I told them it was not an investment property, that it was a second home that my XXXX year old son ( with a XXXX XXXX XXXX and his caregiver ) lives in. It is not a rental property. And again I petitioned to drop the PMI. They refused.

I should not need to be paying mortgage insurance I've never missed a payment, I've never defaulted on a loan and I have two mortgages that are current and have always been current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV FUNDING LLC has won a court order against me by default but I never received any mail about it. They did not have my current address on file at the time. 
I was paying {$50.00} per month for an alleged credit card debt owed in the amount of {$1300.00}. Per many inquiries made with the credit bureaus, the company still has not provided proof of validation with my original signature. The information is on my 3 bureau credit reports and is affecting my ability to apply for a loan. 

I ask that the company removes the negative information of my credit reports and refund the money they took from my account for payments, in form of a check. The current balance owed is listed as {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY

Complaint narrative:
repeated calls to my place of employment despite being told by my supervisor not to call the company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Under Florida Statute 57.105, attorneys fee 's can only be awarded to the PREVAILING PARTY IN A FORECLOSURE ACTION. On XX/XX/XXXX, The the moving foreclosure party ( XXXX XXXX  ) dismissed the legal action VOLUNTARILY. The Court order attached herein clearly reflects that the foreclosure action was dismissed pursuant to a settlement between us and the bank and therefore XXXX XXXX  never prevailed in the foreclosure action and NOT ENTITLE TO LEGAL FEES PURSUANT TO FLA. STAT. 57.105. See Fla. Statute attached herein for your review. 

See page 3 of 7 to the note executed on XX/XX/XXXX. Under section ( d ) " Payment of note Holder 's Cost and Expenses ''. The note reflects the following clause " If the Note holder is required to pay immediately cost and expenses for enforcing the note whether or not lawsuit is brought TO THE EXTENT NOT PROHIBITED BY APPLICABLE LAW ''. What does the last paragraph mean? It means that a lender can not add these fees to the account if the state where you reside does not permit or allowed by Statute. Under Florida Statute a lender is PROHIBITED from pursuing legal fees if have not prevail in an action. There is clear and convincing proof in that the foreclosure action was dismissed due to a settlement out of Court and therefore did not prevail in the action. PHH Mortgage Services are in car violation of Florida Statute 57.105. Both the note and the Florida Statute 57.105 does not allow for such charges given that their predecessors ( Ocwen ), ( XXXX ) DID NOT prevail in the foreclosure action. PHH actions are illegal in the state of Florida and should be reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2019, XX/XX/2019 and XX/XX/2019 PNC Bank run a credit check more than once after issuing me a secured credit card. I followed through promptly with the bank but nobody issued me a solution or try fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: TN

Complaint narrative:
Experian will not remove XXXX XXXX XXXX off my credit report. 
I have report to customer service about my situation. 
I have sent in Police Report. 
XXXX XXXX XXXX use my # SS number and IDENTITY to put on car loan.

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 2019-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I previously opened a checking and a saving account with USBANK. I sent an email on XX/XX/2018 to USBANK to close the account. 

However, USBANK failed to close the account and did not respond to my emails. It, however, kept charging service fees on the account and, until the balance turned negative, closed it. I have contacted USBANK customer service over the phone early this year to resolve that and it has never been resolved. My online access is also disabled. 

I received a phone call from USBANK today, informing that I am still responsible for the debt. They denied receiving any emails from me requesting the closure of the account. I have attached a copy of that email.

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 2019-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I payed my car loan without delay for 72 months without any problems. When my loan payment book ran out of checks at 72 months, I assumed my loan was paid off and awaited my tittle. That 72nd month payment was on XX/XX/XXXX. I was waiting for my tittle, but had not received it so I called in XXXX and was informed that there were three additional months. I was confused because they did not provide a check book with the correct number of months, but I understood. I paid them for the month of XXXX over the phone and they waived the late fee incurred over the misunderstanding because I had not missed payments before. I then set up automatic payments for the month of XXXX and XXXX for the amount of {$420.00}, like previous payments. That is what I was told the automatic payment should be. On XX/XX/XXXX I received a letter in the mail stating that my account was past due in the amount of {$100.00}. The automatic payments they set up did not correctly pay off the loan as I was made to believe. When I called they refused to waive the late fee I incurred from their mistake and failure to schedule payments in a manner to completely pay off my loan. 

XXXX This summary was typed by the consumer 's son, with her permission and on her behalf. The service representative 's name is XXXX and her employee number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to temporarily remove the freeze on my Equifax credit report online, but was unable to do so. I then called Equifax 's automated security freeze number, went through the security verification process and was still unable to temporarily remove the security freeze on my account. Next, I called the customer services number, ( XXXX ) XXXX, specified on Equifax 's website to request they temporarily remove the security freeze from my report. The agent asked for my full name and social security number and my full current address. I told him I have my unlock PIN, which he informed Equifax no longer uses to freeze/unfreeze reports. So, instead, he asked me various questions which " only I would know '' pertaining to my credit report. 

The agent asked me to list off all credit/department store cards I have ever had, as listed on my report and estimated balances of those accounts as they would appear on my report. Fortunately, I was/am able to access my Equifax credit report through XXXX, so was able to provide the agent with all of the cards and balances as they appear on my report. He then asked me to provide him with the dates and amounts of last payments made to my credit cards, which I read off to him from my XXXX Bank Online Banking platform. Finally, he asked if I had ever disputed the information on my credit report and when. I stated I believed I had disputed a " late payment '' as reported by Bank XXXX XXXX, but was unsure of the date, as it was some time ago. 

The agent then processed the information I provided and informed he was unable to verify my account. I am consistently able to lock and unlock my reports with both XXXX and XXXX with ease, however always run into trouble with Equifax. Usually, I am able to process my request with Equifax by calling into their automated security freeze telephone system, however this time none of the three methods attempted worked. 

Equifax was responsible for my information being leaked during their 2017 Data Breach. As a result, I have spent countless hours ensuring my financial information was secure and have been victim to thousands of dollars worth of attempted fraudulent transactions on my bank/credit card accounts. Given this, the fact that they are unable to verify my credit report details as belonging to me is extremely disturbing -- unacceptable, really. 

Having reasonable and easy access to one 's credit report is vital in order to successfully apply for credit. Instead, Equifax is making me send them a copy of my Drivers License and Social Security Card via fax ( NOT SECURE ) for them to verify my identity and unfreeze my account. 

A company so incompetent should not be allowed to continue to exist and regulate the financial reporting of millions of Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
This year I have disputed this account multiple times with this company including other companies that bought this alleged debt in a portfolio. This alleged debt was already proven that I'm not responsible for this debt so it was deleted. This company never sent me any information to dispute this debt which I've already made my attorney XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX aware of the situation. I know my rights and I'm tired of being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I'm a XXXX veteran and keep receiving calls from XXXX. They claim to be contracted with the Department of Treasury. 

They are attempting to collect on VA benefits. Approximately {$1000.00}. They called on XX/XX/2019 at XXXX XXXX. 

Their number isXXXX. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Someone obtained a credit card on my behalf and used it. I have never visited this store and was not even aware about this bank. I reported dispute with the credit bureaus and with the credit issuer as well. Also I had filed a police complaint about this. Credit issuer has closed their investigation and are saying it is a card account opened by me. I never received this credit card, and I had never applied for it. Police complained was filed by me on XX/XX/XXXX with case number XXXX with XXXX  XXXX police. Dispute amount is {$2500.00}. Someone also tried to open other credit cards too with my information like XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Fortunately those credit applications were not approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: OH

Complaint narrative:
Due to our mortgage company ( Amerihome mortgage ) misinforming us a payment was completely canceled in XXXX. We found this out in XXXX. As a result I called to set up a repayment plan and was told we had been approved to pay {$1200.00} a month and a letter would be sent to us to sign. This did not happen. As a result every month we have called and payed and were told since we were paying this was keeping us on the repayment plan and at one point they even changed our credit rating and reported we were current on our payment. This month we got a our mortgage bill and it had increased and did not show any evidence of the previous payments made at an increased amount. Upon calling them we were told that now our repayment plan had been denied and our taxes had gone up and that amount had been being put towards our escrow. Additionally they have turned around and reported us as missing a payment which has greatly impacted our credit score They were unsympathetic and have continued to lie every time we have called them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-11-29 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: IL

Complaint narrative:
My name is XXXX XXXX. My son 's name is XXXX XXXX XXXX. Please note he has a middle initial, I do not. I have tried several times to get Experian Credit Service to remove my son 's XXXX auto loan from my report. I have even called XXXX at the number provided on the report to have them remove my son 's negative account from my report, but I keep getting the same results from this credit reporting service. I have had the same issue with the other two credit reporting companies. XXXX   and XXXX. They have done their job properly investigating the issue and removed my son 's account. I have provided my son 's name, social security number, address, and his date of birth to Experian. Today i get a written report with the same results I've been getting on line. The report number from Experian is XXXX. This inaccuracy and lack of investmentive practices from Experian has cost me to not being able to refinance an auto loan with a better interest rate and save some money. 
If you would like I can also provide you with my son 's information.

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 2019-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hi I recently closed my credit card account. I was told I would retain access to thank you rewards for 60days, but my access was revoked. I am still in the 60 day period. 

Secondly the thank you rewards website says cash redemption of points is $ XXXX XXXX, but customer service insists it's XXXX points. See screen shot from your website, this website is publicly available on XXXX, but Citi denys this offer and insists on double points. 

I have don't the following to resolve : -Called 4 times gone upto manager level to make them understand but they won't listen -asked the XXXX team to step in but to no avail, they ended up calling me and transferring call back to the thank you rewards customer service.

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