vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
After entering a large amount of personal information, I was notified that I was preapproved by Bank of America for credit card. 

Based on this, I applied for credit card and was rejected due to too many credit inquiries. 

I called Bank of America to complain and to ask them to reconsider but they said I had too many accounts in the last year. 

I am writing to CFPB because I am injured by another credit inquiry for a card i was preapproved for, but yet unable to get. 

Had i not been preapproved I would not have applied and incurred an inquiry.

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 2020-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2020, I had a balance of {$100.00} with my Kohl 's Charge Card. On that date, XX/XX/20, I submitted a payment in the amount of {$9.00}. On XX/XX/20 I made a final payment of {$100.00}, the remaining balance. This should have brought my balance down to " XXXX '' by XX/XX/2020 in time for the new billing cycle/statement. On XX/XX/2020, it came to my attention the initial paym ent of {$9.00} had been reversed, and I was charged a {$25.00} return fee. I immediately re-submitted the payment for the {$9.00} and called customer service. I spoke with a supervisor, XXXX - ID # XXXX. He " assured '' me he would waive the {$25.00} return fee, and it would take " 24-48 hrs. '' This was on XXXX XXXX, and it is now XXXX XXXX. The {$25.00} has not been waived, and now the amount has been reported as a statement balance to the credit bereaus. I paid my balance in full to AVOID having a balance reported to the bereaus, and now they've cheated with dishonesty and lack of " follow through. '' The solution I want is : 1. Remove the {$25.00} fee as was promised, originally.

2. Report the new XXXX balance to the 3 major credit bereaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: VA

Complaint narrative:
We inherited a house when my mother passed in XXXX, 2019. Unknown to us, Mom had a reverse mortgage on the property. Less than 30 days later, we get a letter that they will be foreclosing in 30 days. We followed their guidelines and listed the house on XXXX. The house sold. Through numerous phone calls celink was informed of the sales contract and said all was fine. When the closing company asked for the loan payoff, it took celink 12 days to provide the payoff amount. While the closing company processed the figures, celink started foreclosure on the property. Now the closing is delayed again, and celink wants attorney fees. How unethical can they get? How many more hoops do they want us to jump through? Worst financial experience in many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX. On the XXXX of XXXX, I called and requested that Pro-collect send a letter of debt validation in the mail. They were very rude and not helpful over the phone. I explained that I had no idea about the debt that was being claimed, and asked for a debt validation letter to be sent. They refused, stating that the debt was accurate and can be explained over the phone. I explained I still needed a validation letter, but they insisted that this means that I refuse to pay. I have no idea what debt they are trying to claim. They arent even trying to make a settlement, for whatever debt they say I owe, so I can just be away with this problem. They are very rude and conduct business unprofessionally.

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 2020-01-30 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: EQUIFAX, INC.
State: NV

Complaint narrative:
i have a removal form XXXX XXXX and should be deleted from the credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: MARINER FINANCE, LLC
State: PA

Complaint narrative:
i was reviewing my credit report and i realize i have those accounts ( MARINER FINANCE ) AMOUNT OF {$1800.00}, ( XXXX XXXX XXXX XXXX, i need an investigation to these accounts that it don't belong to 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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
Received {$500.00} Vanilla  Gift Card. 
On XX/XX/2020 noticed ( via VanillaGift.com ) THREE XXXX transactions totalling approx. {$150.00} by someone other than myself. 
I notified Vanilla Gift card Customer Service # XXXX on same date, XX/XX/2020. I was given a Case ID # XXXX and that I would receive a " Dispute Packet '' in 24 hours. I did not receive the packet via email ( and also was not able to use the card nor have access to it online ) and so I called next day, XX/XX/2020 to request packet. Received their Dispute Packet via email and completed form and faxed XX/XX/2020 using their form. I called to confirm receipt of my fax on XX/XX/2020 andXX/XX/2020 which rep. could not confirm was told back office has up to 10 business days.

On XX/XX/2020 I called and was told that the Case ID XXXX was deleted and gave me a new one, # XXXX ( which would start the 10 day review process by their back office all over again. ) I faxed their Dispute Form again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and  called each day to confirm receipt of my fax which rep. could not confirm as back office has up to 10 business days. I called XX/XX/XXXX ( on the 10th  day from XX/XX/XXXX 2nd case # ) and was told by rep. that their back office did not receive my faxes. Gave rep all dates faxed, all my calls to follow-up and have fax confirmations of all being received. I gave rep the number that I faxed from and confirmed their fax information. To date, I have not heard nor received a response on the status of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I was in a Chapter XXXX bankruptcy with payments being made timely. However, there was miscommunication with staff from my attorney 's office. I had met with the atty 2 weeks before a scheduled court date, but my understanding was that I did not have to appear at the hearing for XXXX. As I was not there, the hearing was rescheduled, but I was not notified of the rescheduled date a month later and the bankruptcy was dismissed. The bankruptcy was simply to hold off Caliber Home Loans from foreclosing. I had been a repayment modification and payments were being made, but received a default notice stating I was not following the plan - the information was not consistent with information on the automated system or website. Caliber immediately went to foreclosure and I once again entered Chapter XXXX to stop the foreclosure. 

This time, the bankruptcy was dismissed XX/XX/XXXX and I spoke with Caliber about loss mitigation as my income had increased substantially to see if that was an option - I was told it was. I received a packet at my home on XX/XX/XXXX, and had spoken with a represenative twice with the final call discussing financial information on XX/XX/XXXX and had received a loss mitigation package on XX/XX/XXXX. My bankruptcy atty had also received a packet at their office to forward to me on XX/XX/XXXX for loss mitigation. I submitted the packet on XX/XX/XXXX by fax as the system was no longer operational for me to upload documents. When checking the status again this morning XX/XX/XXXX to see if the process was started, I was still locked out. I was informed today by Caliber that there is a foreclosure date of XX/XX/XXXX ( confirmed with XXXX XXXX XXXX who are handling the foreclosure ). The representatives including a supervisor advised that Caliber had been in error in sending out the Loss Mitigation package as Caliber requires 37 full days to review a Loss Mitigation package once they confirm it is complete ( there is a review time for them to consider it complete ) before a foreclosure date. I argued that I had postmarked documents and emails with Caliber representatives and that there were only 40 calendar days from the date of the Chapter XXXX dismissal to the foreclosure date so in actuality it would never have been possible. I was advised they could reprimand the individuals who discussed loss mitigation and forwarded the documents to me and my bankruptcy attorney as there was never enough time for them to review, but there was nothing else they could do. I have no other option but to consider Chapter XXXX AGAIN or lose my home. It just so happens that in the last 3 years the property values for my area have almost quadrupled, but it is difficult to sell and find another home in the meantime due to the Chapter XXXX on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: V and H Portfolio
State: PA

Complaint narrative:
i was reviewing my credit report and i realize i have those accounts ( XXXX XXXX ) AMOUNT OF {$1800.00}, ( VANCE & HUFFMAN LLC, i need an investigation to these accounts that it don't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I lost my job and was unemployed in late 2019 and Wells Fargo put me in the forebearance plan. Once I found employment I was told by Wells Fargo that I have to pay the entire late balance of the loan to avoid foreclosure. 

I can pay the monthly mortgage with no issue but can not pay the late balance to bring the mortgage current.

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 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Sunrise credit services call approximately three times a week to collect a debt that is not mine. My middle name and date of birth do not match what they have on file, and I spent an hour on the phone with them, waiting to connect to XXXX  XXXX XXXX ( originator of supposed debt ). I provided XXXX XXXX XXXX with important pieces of information, such as current and previous addresses, date of birth, and employer, and they were unable to match me to the account in question, all the while the representative from Sunrise listened. I have never held an account with XXXX  XXXX XXXX. 

I work in XXXX, and if my employer were to discover that a debt collector is pursuing a collection my employment would be at risk - for a debt which is not mine. My next steps pending no action from this complaint will be to file a complaint within the NY Court System. I can not understate the emotional duress this is causing 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 2020-01-30 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: Centralized Business Solutions Company
State: OH

Complaint narrative:
XX/XX/20 I called the collection company who refuses to work with me and told me I deserve to have derogatory marks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX my mortgage was purchased from XXXX XXXX, and transfered to XXXX XXXX or a subsidary, LoanCare. I have had many difficulties with the new loan servicer, specifically, a misallocation of payments. I attempted to make biweekly payments. However, payments were made to principle, and not the actual mortgate payment. This resulted initially in a late penalty, and significant inconvenience. I spoke with LoanCare on XX/XX/XXXX. The representative said that as I was a previous XXXX XXXX customer, I would be allowed to make biweekly payments and reported making a " note '' in the file. This was not the case and other payments were misallocated. I was required to contact LoanCare regularly to have payments correctly allocated. On XX/XX/XXXX, I spoke with " XXXX '' to again address the misallocation of payments. " XXXX '' stated that the payment would be reallocated to my actual mortage payment, and she too would make a note in my file. The funds were simply reallocated to the principle and not the actual mortgage payment. On XX/XX/XXXX, I again called to address the misallocation of funds. I spoke with " XXXX '' who again reported that the payment would be reallocated to the mortgage payment. She also stated she would make a note in my file. She reported that a " code '' was absent that would have allowed partial payments. In short, my funds have been consistenly misallocated for months. I have never had this issue with any other loan servicer. I am very concerned that carelessness on the part of LoanCare will  lead to missed payments, late fees, etc. It appears that I am not the only dissatisfied customer. There are 628 reviews of LoanCare on XXXX. LoanCare holds a score 1.3 out 5. This is unacceptable. Having worked for CFPB in XX/XX/XXXX - XX/XX/XXXX, I am concerned that LoanCare may be violating financial regulations. And putting consumers are risk.

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 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX shut down my account on XX/XX/2020 with no warning, resulting in the cancellation of my upcoming flights and forfeit of all of my frequent flyer miles I had accrued. At the time of closure, I had a total of XXXX frequent flyer miles in my account, as well as upcoming flights booked. I earned XXXX total miles over the past 24 months, with a bulk coming from the sign-up bonuses offered on AA credit cards provided by Citibank and XXXX. Considering AA sells miles for roughly XXXX cents per mile, the loss of XXXX is {$10000.00}. AA has stated that earning sign up bonuses on multiple credit cards ( of which Citibank offers multiple types ) is a violation of their terms. I would like to be compensated over the loss of the miles I accrued via spending using their co-branded credit cards as well as the sign-up bonuses those cards offered. If AA deemed it a violation of their terms by earning sign-up bonuses on their different co-branded credit cards and Citibank still offered and solicited me to get different AA co-branded cards, I believe that is a deceptive practice that directly led to a financial loss to 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 2020-01-30 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: NY

Complaint narrative:
Experian is not providing me with any kind of documents that shows I actually opened accounts on my credit report or anything containing my signature

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 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX call approximately three times a week to collect a debt that is not mine. My middle name and date of birth do not match what they have on file, and I spent an hour on the phone with them, waiting to connect to Bank of America ( originator of supposed debt ). I provided Bank of America with important pieces of information, such as current and previous addresses, date of birth, and employer, and they were unable to match me to the account in question, all the while the representative from XXXX listened. I have never held an account with Bank of America. 

I work in XXXX, and if my employer were to discover that a debt collector is pursuing a collection my employment would be at risk - for a debt which is not mine. My next steps pending no action from this complaint will be to file a complaint within the NY Court System. I can not understate the emotional duress this is causing 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 2020-01-30 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: EQUIFAX, INC.
State: CO

Complaint narrative:
The credit reporting company Equifax is totally and completely incompetent. Three months ago I could not log into my account with them and spend two hours on the phone correcting the issue. Now three months later I once again and locked out of my account. It has taken two days on the phone for hours to finally speak to a representative.

They now want to to mail them an ID to be able to allow me to log in my account. What is wrong with this company. Typically one can reset a password but this company is totally unable to deal with deal as seen in the leak of millions of citizens credit data last year. 

Equifax really needs to have fundamental change if not outright takeover of their operations since they clearly can not successfully accomplish the task of credit reporting. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was in the Wells Fargo Home Mortgage forebearance plan since losing employment in early 2019. 

Starting in XX/XX/2019, I have been in contact with Wells Fargo Home Mortgage once I found new employment. 

I submitted all documents to Wells Fargo Home Mortgage that were needed for the modification of my mortgage to avoid foreclosure and to pay the late balance. 

I provided WFHM with 1 ) pay stubs, 2 ) WFHM Modification Application, 3 ) Bank Statements showing direct deposit, 4 ) Notarized Signed Affidavits of Employment, 5 ) Employment Verification.

I submitted the required documents several times to WFHM via ; Fax and Upload on the WFHM - HomeTrack website.

After my last document upload, WFHM now is requesting additional verification. I believe I am being targeted and discriminated against by WFHM, because they are continuing to ask for additional 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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion has on XX/XX/2019 credit report a phone number showing as XXXX in which is not no number that belongs to me. Remove the phone number or provide proof by what ever company this number is coming from.

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 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
the companies name is Professional Debt Mediation , Inc . Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ive told them several times i had nothing to do with these charges someone used my identity and got an apartment in my name and ive said this several times ive called them in XX/XX/XXXX, sXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. that was the last time we spoke and they threatened me by saying they will take me to court when i was never responsible for the charges. all i want is for the debt to be removed/deleted from my credit report. its affected me getting a home for several years now ive disputed it several times as well. its almost 7 years old and its ruining my life. i would just like for it to be removed/deleted from my report. they also report it every single month to affect my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation