vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For over a year I have been trying to obtain a modification with my lender Bank of America. I have had my mortgage for over 20 years originally with Countrywide Mortgage then Bank of America acquired Countrywide Mortgage. Bank of America denied the modification stating they could not verify qualifying income. I have worked as a salaried employee in the XXXX industry for over 30 years. I do have a side XXXX XXXX business with my son. Seven months ago I brought in a third party, XXXX XXXX who is a underwriter and she developed the Loss Mitigation Department in XX/XX/XXXX for Countrywide Mortgage. I have not paid her a dime and she reviewed, underwrote my financial package and has re-submitted the package numerous times with the same result of denying the modification for not being able to verify qualifying income. A year ago I did submit Profit and Loss Statements that I completed not my accountant for XX/XX/XXXX and start of XX/XX/XXXX. I am now in foreclosure which was recorded in XX/XX/XXXX. I do not want to lose my home. Not one representative could give a straight answer as to why they keep denying the modification since XXXX XXXX has re-submitted updated, paycheck stubs, bank statements, direct deposits, 1040 tax returns and financial form. Finally two weeks ago XXXX XXXX got to the bottom of the denial that it was because of the Profit and Loss Statements I originally submitted almost a year ago. Instead of conditioning for proof of that income they kept denying the file. XXXX XXXX contacted my Accountant, XXXX XXXX and he completed and signed XX/XX/XXXX & XX/XX/XXXX Profit and Loss Statements and also the XXXX & XXXX Partnership Returns. Bank of America came back again and stated they could not verify qualifying income. Also they state that XXXX XXXX XXXX XXXX, XXXX is the Investor on the loan, they are not they are the Trustee. XXXX XXXX contacted XXXX XXXX XXXX  XXXX, XXXX and they stated they are not the Investor but the Trustee. Bank of America has a lot of mis information as far as my mortgage loan go. Please help me. Attached is one of many of the denial letters. This circumstance has created a huge emotional and mental hardship on me. Have gone through a financial hardship and divorce that is why I have requested a modification so I can get on with my life.

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 2019-09-04 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: NV

Complaint narrative:
I recently disputed a chapter XXXX bankruptcy filing that is on my credit report. The Public record was included in my FTC identity theft report. XXXX is stating that the bankruptcy is verified as correct. This could not be true. There are NO other tradelines on my file that are included in a bankruptcy. There are NO addresses associated with a chapter XXXX filing on my credit report. Lastly, US Bankruptcy DO NOT verify to credit reporting agencies.

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 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
deposited a check for roughly {$13000.00} written from the same bank I use in IL to Bank of America account here in XXXX. They placed a hold on the check. I believe they have to provide me with a reason for placing the hold and Bank of America representative told me they do not. I researched Rule 229.13 from 12 CFR paragraph E and G which says if they have a reasonable doubt about the funds they have to give me a written statement why there is a hold, not just that there is a hold but the reason. Overdrawn often, out of date check, etc.

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 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I closed this credit card account in XX/XX/2019 due to fraud on my card. They sent me a new card, with a new number, and I immediately closed that card too - I did not want to stay with them anymore. I had to fight with them several times, staying on the phone more than a 1/2 hour each time to get the charges removed and the foreign transaction fees removed. It took several calls before they told me that it was finally cleared all the way and the card was closed. I look online at my statement and it says I have a XXXX   balance and XXXX due. But, on XX/XX/2019, I receive a credit card statement saying I had a previous balance of XXXX ( all fraud charges and foreign transaction fees that they told me were removed and I had a XXXX balance ) - on this statement they are charging me interest of {$2.00} and a late fee of {$27.00} - bringing my balance due on this statement to {$160.00}! This was all taken care of and XXXX out a while ago. I called them about this because I don't want this late payment on my credit report and they told me that it is still being investigated - a different story than a month or more ago - I was told it was done and no more will or can be charged. While on the phone - for 35 minutes - they told me this was sent to me for informational purposes - which is false - I do not owe anything on this and they are using my old card number, the one with the fraud charges. I believe they are trying to get me to pay them and they know for sure this was fraud, it was reported right away and closed. Not only did this card get hacked, but it is a XXXX XXXX card and was only used at one of there XXXX hotels in XXXX XXXX, we did not use that card for anything else. They have not closed this account, they are using the old card number that had the fraud. They transferred all this info to the new card and cleared it out, but never took it off the old card and now are trying to charge me for interest and late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: DC

Complaint narrative:
Looked at my credit report and seen Wakefield and associates collections bill for {$490.00} for medical bill that is not on file at the hospital at all I never went to hospital on XX/XX/2017 I  sent Wakefield my old insurance information and new information in XX/XX/XXXX my insurance company XXXX XXXX XXXX and new cant verify this bill and it is affecting my credit as we speak I have excellent credit before this incident took place this is why I think they are a scam they said why dont you just pay when they know the insurance company cant verify the bill even exists

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I lost my job, and expressed this to Chase many times trying to get them to help me maintain my account. Since XX/XX/2019 - Today, XX/XX/2019, I have been charged 20 NSF / Returned fees. That's {$680.00} total. {$170.00} of that is recurring card transactions. I've paid {$170.00} on little transactions, one of which, for example is {$9.00} razors from XXXX. REALLY? Another {$68.00} is fees on retry transactions where the money STILL wasn't there. Why not just return it altogether instead of racking up fees for me to have to pay? Frustrated, I called Chase today to cancel my card so that they couldn't keep making money off of their predatory recurring transaction fees so that I could get this stupidly high balance paid down. They were unhelpful with trying to assist me with the fees, but they will mail me another card once I bring the account current. I am so frustrated and I'm usually very responsible with my money ... that's why I buy things with my debit card because if I don't have the money, my card will get turned down. It scares me that I have to try and remember every single recurring transaction that MIGHT occur off the top of my head to ensure that Chase isn't taking advantage of my unfortunate financial situation. This is a time in my life in which losing {$680.00} to fees that didn't have to happen is a really really big deal, and I'm so disheartened that there's no kindness in the banking industry. It really is just profit. No one cares when I call and tell them to please help me get out of this. Please stop paying recurring transactions. I don't have overdraft protection on, but they don't care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I dont know what this debt is for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: WI

Complaint narrative:
XX/XX/XXXX I filed with identitytheft.gov as I believed I was a victim of identify theft. I also placed a fraud alert on all of my credit reports as they were reporting me late on an account with XXXX by XXXX XXXX. I became aware of this account as I my XXXX card closed suddenly due to a decreased credit score as this account was reporting past due payments. 

Per the recommendations of identitytheft.gov I sent dispute letters to Transunion as well as XXXX by XXXX XXXX. 

I received a letter XX/XX/2019 dated XX/XX/2019 stating XXXX by XXXX XXXX had determined that I am liable for this loan. 

I have received no verification that this loan was in fact taken out by me other than the letter received XX/XX/2019.

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 2019-09-04 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: MS

Complaint narrative:
Equifax, the most fraudulent credit reporting agency on the planet, XXXX, and XXXX are reporting fraudulent hard inquiries on my credit report. They are claiming that these companies received my authorization to check ( inquiries ) my credit. The attached are reports from XXXX XXXX. I have placed a check mark beside the companies that did not have my authorization to check my credit. 

I have not requested services from these companies. There are also check marks beside companies that have placed fraudulent debt on my credit report. XXXX XXXX XXXX XXXX has placed a fraudulent debt on my credit report. XXXX XXXX has placed a fraudulent debt on my credit report. PAY ATTENTION TO THE CHECK MARKS. 

My name is XXXX XXXX XXXX. My name is being inaccurately reported by Equifax. They are also reporting fraudulent addresses. The fraudulent addresses being reported are : XXXX XXXX XXXX  XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX I am frustrated by the constant barrage of fraudulent information credit reporting agencies are allowed to put on my credit report. They are checking my credit at their discretion. This is ILLEGAL!!! I have not authorized these inquiries. They should not be allowed to place fraudulent information on my credit report without my consent. Companies are taking advantage of the white privilege they have with consumers credit report. Their actions should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/XXXX I purchased a motorcycle. I had my loan financed through a bank called MB Financial. Around sometime in XX/XX/XXXX, they merged with 5/3 bank. I was never informed of this. Today ( XX/XX/2019 ), I checked my credit score and noticed my motorcycle loan with 5/3 was delinquent. 

This was very surprising to me for several reasons. 1 ) I had set up auto-pay using their online tool. 2 ) I had never received a phone call alerting me of the first notice of delinquency. 3 ) I also never received a letter notifying me of delinquency.

I called 5/3 bank and immediately brought my account current. I was told the following information over the phone : - MB Financial and 5/3 bank merged in XXXX - Apparently what I set up was not auto-pay, but some other confusing form of payment, even though I scheduled future payments - The phone number they had listed on my account is a phone number that has never had any association with me. I have no idea whose phone number it was, this would explain why I never received a phone call - I then asked why since they verified they had my personal cell phone on file, they made no attempt to call that number. I was told they need verification from the individual first in order to call regarding delinquency. If this is the case, how and why were they able to call the other phone number with no association to me? 
- I asked why I never received a letter to notify me of delinquency. I was told " I don't know '' - I was then informed my motorcycle is being searched for by a repossession team. 
- I was told to file a complain with the FTC regarding the 80 point hit to my credit score and negative remark on my credit report - I was told because of my calm demeanor, that they would most likely be willing to work with me - I then called back to confirm I could get someone to alert the crediting bureau of the mistake - I was on the phone for 47 minutes being transferred 3 times to different departments - I was told under no circumstances, would an adjustment be made to my credit report on good faith, and that the only way they would be willing to help me out would be to provide them with proof of payments I made to the account during the months it was delinquent. This is obviously impossible, and I never made payments those months because 1 ) I assumed auto pay was working as intended 2 ) I was never notified via phone call or letter that my account was delinquent. 

Overall I can't even describe how upset I am at the way this bank has treated me as a customer. I would like to have my situation resolved and the adjustment made to my credit report due to the way the collections department handled the situation. 

Finally, visiting their online payment / account viewer portal, I see absolutely no notifications that my account is past due / delinquent. No messages, or alerts in the alert section.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My mortgage company forced a homeowner 's policy on my account EVEN THOUGH I HAD PROVIDED and maintained coverage. They increased my monthly payment and opened an escrow account without my knowledge or approval. Since I was on a paperless plan, all of their communications were going to my spam folder, and I was unaware of all this for a period of 3 months. They have sensed reduced my payment back to the original amount, credited my account for the unnecessary forced homeowners policy, however they refuse to refund the balance in the escrow account I never requested nor was aware of. The representative, " XXXX '' who is handling my case called today and informed he he was " extending the case '' ( for the third time ). He refused to give me any explanation and also refused to let me speak with his supervisor. Since they have already reduced my payment AND credited me back the policy premium, there is absolutely no reason to delay refunding my escrow balance. It was been almost 45 days and he originally promised me that the case would be closed by XX/XX/XXXX. He extended it to XX/XX/XXXX, and now again until XX/XX/XXXX. The only possible reason is that they are keeping my money to earn interest. I therefore demand that they add interest for every additional day they refuse to refund my money. 

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 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus. 

XXXX : shows 1 -30 day late payment reported for XX/XX/XXXX XXXX : shows 2 -30 day late payments reported for XX/XX/XXXX and XX/XX/XXXX XXXX : shows 3 -60 day lates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : shows 4 -60 day lates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX shows 1 -90 day late XX/XX/XXXX XXXX shows 9- 90 day lates XXXX Last Activity : XXXX shows none XXXX shows XX/XX/XXXX XXXX shows XX/XX/XXXX Closed Date : XXXX  XX/XX/XXXX XXXX shows none XXXX XXXX none *if the account was closed in XX/XX/XXXX how am i still being reported as late ? *

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
The creditor calls multiple times a day on an emergency line to our company 's alarm monitoring center. They have been asked to stop calling and remove the number from their call list. They responded that they " can't do that ''. When a supervisor was requested, they responded " there is not one here ''. When asked to be transferred to their supervisor 's voicemail, they responded " supervisors do not have phones at their desks ''. 
Last employee spoken to ( on XX/XX/2019 ) was " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a credit card with Macys XXXX XXXX that they have closed my account without notifying me & this affected my credit score though Im always making on time payments with putting in consideration that I had a problem with them since XX/XX/XXXX that I purchased items in XX/XX/XXXX & when I returned some of them on XXXX, XXXX the agent there made it as a purchase not return & had to pay double the money with its interest in XX/XX/XXXX after the last agent told me I have to let it go cause they wont do me anything and that Im just adding more interest on myself with not paying the amount required. When u called them on XX/XX/XXXX I found out they have closed my account on XXXX claiming they have sent me a mail which I never received. The agent who answered me was so rude & was even refusing to give me her name or agent ID but later on she give me her name is XXXX and her ID number is 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 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Been trying to officially closed down an account with Citibank but they are saying due to fraudulent activity they cant close it down. Its been over two years and just today I called and they said it will take three years for it to be closed all the way because of an investigation. Nobody is giving me answers, everyone in the fraud department is very rude and always hangs up in my face. I need some actions ASAP because I cant even open a new bank account because of this.

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