vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
See CFPB complaint XXXX about BANK OF AMERICA MORTGAGE, submitted XX/XX/XXXX. 

XX/XX/XXXX Dear Bank of America ( BoA ) You messed up the paperwork in XXXX related to mortgages of XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, which mortgages you handled on behalf of XXXX XXXX, leaving an outstanding $ XXXX lien ( attached ) that needs to be promptly removed as it is holding up the sale of said property ( see attached sales contract ). We ask you to immediately do so, as your failures are causing our family real and irreparable harm. 

Your continued disingenuous statement that you can not fix the problem, which you admit you created, because you no longer service the mortgage, can not be asserted. As of last week XXXX applied for a Bank of America refinance, which awaits your approval. You have no excuses. 

Moreover, your nonresponsive response to our XX/XX/XXXX CFPB complaint says you need a special email address to address the complaint! What exact email address do you want us to dig up from the XXXX to be to your satisfaction? 

You confess to the CFPB that no contact has been made with XXXX XXXX XXXX! Wow, thats an admission of guilt, like nothing else. She has repeatedly, by phone, in person ( at the XXXX XXXX BoA branch where she signed the HELOC papers that you messed up ), and in writing, reached out to you begging you to fix this problem, all to no avail as you ignore and dismiss her and her authorized representatives. Among others, XXXX XXXX XXXX in the BoA regulatory department is unresponsive to repeated voice messages left by XXXX. 

If you examine the title report ( attached ), you will see that the original two mortgages were A and B. Then Bank of America added mortgage C, a HELOC in XXXX. Next, BoA completed a modification/consolidation, mortgage D ; but you did so by consolidating A and C, instead of A and B! That left the lien of mortgage B outstanding. You admitted clearly on a recorded line your fault : the problem is that mortgage number two was not included on the consolidation. You are killing us. This needs to be fixed yesterday. You will kindly fix this immediately and contact me and XXXX XXXX ( cell XXXX XXXX XXXX ), letting us know that it is completed. 

A very redundant 3rd party authorization form is attached. 

Respectfully submitted 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 2017-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX we were forced to file for chapter XXXX bankruptcy to avoid foreclosure. We were found eligible and began making payments towards our 5 year plan on all our debts in XX/XX/XXXX. On XX/XX/XXXX we were granted a discharge for successfully completing our payments. But come XX/XX/XXXX our mortgage servicer claimed that we were still in arrears and now to this date we owe them {$25000.00} even after the bankruptcy was discharged. Our bankruptcy lawyer at the time was in constant communication with the servicers lawyers and on a few occasions they said we had fallen behind but when we presented bank payment documents stating that we had n't owed them any monies they would we assumed take the documents as valid and never got back saying we were wrong. We were unclear on why they waited so long to come after us for any past arrears at the very start when they noticed we had allegedly owed them money supposedly since XX/XX/XXXX when oddly enough is when the new servicer Select Portfolio boarded the loan our original servicer was XXXX XXXX XXXX. Nonetheless after thinking we were in the clear but were n't in order not to go through foreclosure again we applied for a loan modification/deferral but were only approved by the investors of Select Portfolio for a 12 month repayment plan of {$3600.00} and our mortgage is {$1500.00} and we do n't see how we can afford to make these payments without ever falling behind again on all of our bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I applied for a relinance with Quicken loans .This bank said I could refiance with a loan for $ XXXX.They would pay off my old loan XXXX and pay credit cards debts for about XXXX.I would get a pay off amount for XXXX..I then gave them XXXX.for an appraisal fee.my house was valued a XXXX I then gave them XXXX/Copy of my sisters mortgage I am a cosigner .A payment agree for the IRS.They asked me how much I owed Irs which is about XXXX.They said as long as my house does not have a lien I could have the loan .This has been since XX/XX/XXXX.They keep asking for cancelled checks for/XXXX/XXXX/XXXX.I gave them 3months of checks front/back.And I have a payment agreement for XXXX-monthly.I do n't have check history because I pay on line .Please help me get my XXXX back. Quicken loans clearly does not want to do business with a XXXX women that owes the IRS/but makes installments to IRS that was agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I went to XXXX to get my Equifax annual credit report. I request my Equifax report at this time each year ( and do the other ones in XX/XX/XXXX and XX/XX/XXXX ). The same thing happened this year as in XX/XX/XXXX : I answered the verification questions to the best of my ability, but was denied access to my Equifax credit report. InXX/XX/XXXX, I was successful in getting my XXXX and XXXX reports but not my Equifax report. This year, I successfully got my XXXX  report, but AGAIN failed to get my Equifax report ( I wo n't try for my XXXX report until XXXX ). My complaint is that the questions are too vague and deliberately tricky. They expect you to remember the month and year that you opened credit accounts! That is not reasonable. When I do n't have an account with any of the four companies shown in the responses, it is easy to answer " None of the above. '' But I do have a mortgage with one of the companies they listed, so I checked it off, even though I could n't remember if " opened around XX/XX/XXXX '' was the right date for that particular credit union 's HELOC that I have. Then the fourth question was what is my scheduled payment on that mortgage. Since it is {$50.00}, I answered the $ 0- {$190.00} response. Then I submitted my answers and it failed me. This is so frustrating! Now I have dug out my HELOC statements, and the account was opened in XX/XX/XXXX. There 's just no leeway. Apparently I should have answered " None of the above '' for that question as well. I understand the questions need to be specific enough to zero in on me. But I 've given my DOB, SSN, and address already, so I think the questions should be less tricky to get right. Now I again have to mail away the paper form and proof of who I am to get my Equifax report for XX/XX/XXXX instead of being able to use the online method. And when the very hefty paper report comes, I have to sit here and scan it all in so that it is saved with the other credit reports I 've gotten online. I am trying to do the right thing and examine all of my credit reports once every year, but the system is stacked against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
This loan is a scam and a rip off because I took out XXXX and the lady told me that i will be paying bi weekly of XXXX. I brought it to her attention thay the payments I see is way over my loan she said that she can see me the right one but its the same one. I talk to other lady and she told me that I havent paid for my loan yet only interest and interest is everyday. I was n't told this when I first did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX XXXX XXXX was listed as a participating provider with XXXX XXXX/XXXX. Each yr when visiting the office I provided my ins. ID card. As a participating provider I should not have been balanced billed for my visits. After being reported to the a collection agency in XX/XX/XXXXI contacted XXXX, explained the situation, and completed a complaint form. I advised that XXXX XXXX ' office never advised me that they did not participate in XXXX XXXX as indicated on my ID card. The office has turned my account over to 2 different collections agencies for 2 different amounts. American collections XXXX XXXX XXXX, XXXX, VA ( XXXX ) .for {$83.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN ( XXXX ) for {$99.00}.

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 2017-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
On XXXX/XXXX/XXXX. I was approved for an auto loan through XXXX XXXX XXXX. They also operate with other names, all of which I can not think of. My loan with them was, for the most part, smooth but fraught with terrible customer service. On XXXX/XXXX/XXXX, I was apparently late for a payment and XXXX XXXX XXXX decided to repossess my vehicle. After jumping through hoops with them, I paid off the collection fee AND the repossession fee that same day. The total amount for that transaction was about {$540.00}. This is even reflected in my payment history which I had requested from XXXX XXXX XXXX. My account was closed with XXXX XXXX XXXX on XXXX/XXXX/XXXX, and everything was satisfactorily paid in full and my account balance was XXXX. I received my title from them, and immediately filed for a new title to completely remove XXXX XXXX XXXX as the lien holder since I did not trust them XXXX bit. That vehicle in question was later traded in to purchase a new vehicle sometime in XXXX XXXX. Prior to that, in approximately the beginning of XXXX, I applied for a mortgage. My mortgage agent stated to me that on my credit report, through Transunion, the XXXX XXXX account still shows as open with a balance of {$540.00}. I immediately called XXXX XXXX and they stated that my account shows as paid in full. I requested proof of that, and I was mailed out my payment history. I asked the representative to immediately report my account as paid in full and closed, but she was not helpful in giving me any information why it was still open, and instead told me to go online and file a dispute, since " they did everything correctly. '' I am filing this dispute with the CFPB against XXXX XXXX XXXX for pure negligence in reporting my account as correctly closed and paid in full to Transunion. XXXX XXXX XXXX is rude, completely not helpful, and deceitful in every imaginable way. They need to be held accountable for their shady tactics and deceitful business practices. They were no help at all, as offered no sympathy or assistance in assisting me to resolve this 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 2017-08-28 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My truck was totaled. My insurance carrier arranged that I receive a rental car. I went to the merchant XXXX XXXX XXXX and they required that I give them a credit card to reserve {$30.00} until the insurance company issues payment to them. My insurance company investigated my insurance claim total loss. My insurance carrier found out that the person that totaled my truck was uninsured. At this time, XXXX XXXX XXXX charged my credit car {$3300.00} without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My husband and I have been customers of Bank of America for XXXX years. 

We have a checking account, ATM cards, XXXX credit cards, a business account and a brokerage account with them. 

My husband and I are law abiding citizens who have white collar jobs and work hard. 

We received a notice in the email from the Compliance department asking my husband to verify some information. He tried calling but hold times were always XXXX mins or above when he tried to call. 

He did the next best thing. He went into a Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and provided all the requested information and was assured that everything would be fixed. 

The next thing I see on XXXX was that my account was frozen. I go to the bank and they said that the compliance has all the information they need but they need to speak to my husband ( who was travelling for work XXXX to release the freeze. 

By XXXX the account was closed and a check shipped off to my address. I have several bounced check fees. To make matters worse, they sold off XXXX of shares in my brokerage account making me susceptible to a large amount of tax without my express approval. 


This is JUST UNFAIR. No one at Bank of America XXXX not the bank manager/compliance dept/service rep ) seem to have any power/concern to fix this issue. 

We need justice!!!! COrporations should NOT have the power to wreak havoc on people and should provide the right measures to collect information ( in this case non -critical ) My husband is a green card holder and I am a citizen. My husband works for a top XXXX accounting firm and his direct deposit has been coming to that account for XXXX years. 

They only needed the immigration status and work information and they did this to us. Worse, they acted like there was no one in the ecosystem who could help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: NJ

Complaint narrative:
i had to go to an XXXX XXXX XXXX on XXXX XXXX 2017. while there, someone i rented a room from used one of my trusted devices to access my netspend debit card account, among other things, she blatently transferred {$200.00} from my account to her sister 's account. ( i checked from a payphone at the program ). After the phone inquiry, i opened a dispute. the company required me to send them an email ( not allowed in the program ) to get credited for the remainder of the investigation. Long story short. the company sent a letter with alot of transactions but not the main one in question and stated that there was no irregular usage of the card or account which was false as i had NEVER transfered any acount to account funds and that alone should have been a red flag. There is also the question of why wasnt that specific transaction shown in the original mail they sent ( they sent 2 to the program ). im finally out of the program now and did a follow up on the issue and appeal their decision. i got a response that i would get a reply in 48 hrs ... its been almost 2 weeks. 
its really troubling that i explained to the operator the situation about the XXXX XXXX in detail about response times i am allowed, follow ups, and lack of internet access. it seemed as the operator was just in a hurry to end the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
InXX/XX/XXXX had applied for a loan with Wells Fargo Bank but changed my mind and canceled the account Wells Fargo said they would close the account but inXX/XX/XXXX I received a letter form Wells Fargo that my credit card application was approved but inXX/XX/XXXX it was to be closed I called Wells Fargo they said they will take care of it I checked my credit report its listed as a open account I called Wells Fargo automated system on XX/XX/XXXX and the account is still open.

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 2017-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
SUNTRUST BANK UNLAWFULLY GAVE MY INFORMATION TO A PRIVATE CONTRACTOR WITHOUT MY CONSENT, I CALLED THE PRIVATE CONTRACTOR WHICH IS A FRAUD EXTORTIONIST AT PNONE NUMBER XXXX XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or

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 2017-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BC SERVICES, INC.
State: ME

Complaint narrative:
Medical debt incurredXX/XX/XXXX had been long paid off shortly after receiving the initial bill, and I received a surprise collection letter from BC Services ( original bill was with XXXX XXXX  Hospital in XXXX XXXX ) dated XX/XX/XXXX, 5 years later, for the amount of {$540.00} with {$3.00} of interest. I had initially verified with XXXX Hospital that the full bill was paid and no further balance is due. I have not heard from them via phone or mail since ( during the past 5 years ). I did move recently, but my address had been the same for another almost two years and I remained in the same city for another 3 years after the initial bill. My phone number has been the same ever since, so I would n't have been difficult to reach. When speaking with BC services they said they would send the initial statement ( which I have not received either ) but would not explain what happened or how this is valid and were extremely short and unhelpful. I have written them as well as the original company a certified letter, again requesting a final statement but am awaiting a response. Nothing has shown on my credit report so far but I am looking every day. THANK YOU FOR BEING THERE!

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 2017-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I signed up for an American Express " Everyday '' credit card advertising no annual fee. The explicit terms of the offer were 10 % back at restaurants for 6 months ( up to {$2000.00} ), as well as {$200.00} cash back after a {$2000.00} spend. I was approved for the card onXX/XX/XXXX. I called American Express to confirm this bonus, and was explicitly told ( during a supposedly recorded conversation ) that these were the terms. I easily met this criteria, but received no bonus. 

Furthermore, American Express signed me up for a *different* card with an annual fee that was immediately charged. While I expressed my concern to them about this, since I was told that I would receive the sign up bonus I did not cancel the card and paid the annual fee ( +interest ). 

I called AmEx many times and used their online chat feature 5 times. Each time I was told that I would be contacted within 7 days. I was never contacted at any point and always had to initiate contact. 

One of the times I was on chat, I was told that the investigation was closed, in my favor, and I would receive a credit soon. 

On XXXX I was told over the phone that I did receive a {$280.00} credit on my account, as I was supposed to. I looked and this {$280.00} credit was entirely unrelated to a sign up bonus but instead dealt with a hotel cancellation refund -- with no relation to American Express at all other than it being the card the payment was made to and the refund was sent to. 

Today (XX/XX/XXXX ) I was told that while the complaint was escalated, there was no sign up bonus on my card. This is directly contrary to their marketing and why I signed up in the first place. This is directly contrary to what I was told by an American Express representative on the phone the first time I called. In sum, all of this is misleading and blatantly deceptive. 

All of this should be in American Express ' records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX has never notified me and or the medical company has never notified me of a debt owed i have no knowledge of this debt this is fraudulent

Company response to consumer: Closed with explanation