vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My mortgage is with Bank of America. 

Due the hardship related to COVID-19 I got multiple deferrals of my payments. After 18 months of deferrals, I was told that I can apply for a mortgage modification. 

I applied for modification and submitted all the documents to show my income. I was assigned an account manager or dedicated representative, and would be in contact with her regularly, answering questions verbally or submitting documents as per request. 

At a certain point, I was requested to submit a Profit & Loss statement for a XXXX XXXX that I owned. This was totally out of bounds, as it was nowhere in the document list, nor would it have any impact one way or the other on my income. I provided the explanation to the assigned account manager, stating that the only income I receive from this business is a small paycheck. I was told that nothing further is needed. I then went for a while without hearing back. I kept on calling Bank of America for updates, and was constantly told that my application was still under review. 

Then at a certain point I was told that my application was declined ( and was given a much earlier date of that decline ) because they couldn't verify my employment and income. When I asked what that was about, I was told it was because I didn't provide the Profit & Loss statement for the XXXX XXXX. I argued that this is totally incorrect, as regardless of what that P & L statement would show, it wouldn't have any impact on my income, as the entity isn't a pass-through entity and it is not self-employment income. As such, the only documentation I would need to provide in relationship to that company would be the paystub I receive, which I had provided. 

Numerous attempts to escalate this and have Bank of America give my application for a loan modification a fair and complete evaluation have ended up with a dead-end, insisting on requesting these unnecessary documents, which are hard to come by and wouldn't have any effect.

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 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank had locked my checking account because they considered my redeeming my rewards activity of {$280.00} to my XXXXXXXX XXXX account suspicious activity. The transfer was made to my stash account under their name XXXX XXXX XXXX  on XX/XX/XXXX. It was sent to my correct XXXX XXXX account number and routing number. I have made several transactions to my XXXX Account since around XXXX without any issues. It is also interesting that I made more purchases than usual on my credit cards over the last three months while my household waits to receive more pandemic funding. This increase in purchases did not draw any suspicions but a rewards transfer to my XXXXXXXX XXXX account is deemed suspicious? This shows you the bias issue that Chase has with its XXXX customers. 

Since around XXXX am this morning XX/XX/XXXX, I have tried to resolve this issue. I thought everything was taken care of with the last customer service specialist. I even called to verify if it was safe for me to transfer funds to my XXXX account as well as my XXXX  account, without drawing suspicion which I did, once I got the " Okay. '' This was completed around XXXX PM. Now Chase has locked my account a second time for suspicious activity. I'm currently on a second, over XXXX hour waiting on hold, while I file this complaint. The current time is now XXXX PM. I have not eating lunch and I'm starting to feel light-headed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I am making this formal compliant about Acima Leasing and an account they are continuing to try to debit my account and collect on an account I returned. 

Acima is a leasing agency and I obtained a sofa/loveseat set and requested that the items be picked up. According to Acima, you can return the merchandise with no penalty. I contacted Acima on XX/XX/XXXX requesting that the merchandise be picked up and that I was exercising my right to return the merchandise. On that day or days following, Acima agreed and sent an email on the procedures to return the merchandise, which I compiled. 

The instructions were to donate the items to a non-profit agency and that would conclude the lease agreement. I contacted a non-profit agency, XXXX XXXX, and scheduled a pick-up. The items were not picked up by XXXX and I had to take the items to XXXX for donation. 

Acima did not accept the donation receipt and have now added the items to my credit report as well as continue to debit my account without my further authorization to try to debit my account via XXXX. The very day that I asked for the items to be picked up, they added the account on my credit report for 3 times the amount of the purchase price.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-21 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 — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen Loan Services sold my mortgage account to another company called PPH and I am on time with all of my payments. Ocwen Loan services is no longer my account holder and I would like to get this off of my credit report but two credit bureaus are refusing to remove the 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 2021-12-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXL XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America placed an XXXX hold on all 4 of my accounts leaving me no access to any of them for over a week. This happened on XX/XX/XXXX and today is XX/XX/2021 and I'm still waiting for the hold to be released. I've been told that the review on the direct deposit has been cleared it's the hold that needs to be removed. I also get told that they will escalate it and that it should be all set in 24 hours. It's been almost a week that I've had no access to any of my money. They wouldn't even allow to me to take some money and open a new account while the deposit was being reviewed so that I at least had some money and could pay my bills and buy XXXX gifts. Now all my payments are being returned for NSF even though I do have money in the accounts. I just want the holds removed so I have move my money out of that bank. I've been a customer there for over 10 years. I'm tired of getting the run a round and just want my money. I've verified that all the deposits and withdrawals are valid on my account and that there's nothing fraudulent. 
one would thing that would suffice since it's my account. I understand the need to review certain things but this is just ridiculous and I need help. I never received a call or letter saying what was going on. I'm being charged NSF by vendors. My accounts still have holds and I don't know what else to do or who can help 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 monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result 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 explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I have an auto loan with Santander for my 2019 XXXX. During the pandemic I called to refinance for a lower rate after making on time payments and they declined. I continued to make payments until I fell iXXXX XXXX XXXX. I had to request a few extensions. During one of the times I had a hardship, I was told that I was approved for the payments to be deffered but I never received any paperwork to sign so that resulted in a negative report on my credit and my credit score was lowered. The company refused to help even though I explained that the hardships were XXXX related. My vehicle was recently totaled in XXXX, on the date the payment was due. I called Santander to inform them and ask how I should handle paying or if I should be waiting for the insurance to pay it. I was told that my account was in the legal department and someone would call me back. I never received a call so I called back a few weeks later to see what my next steps should be and was again informed that I would have to wait for the legal department to give me a call. They never called. I called again today and was told that my payment will now be reported because it is past due and that I should have just mad a payment even though the car was totaled in XXXX. I tried explaining to the representative that I called several times because I didn't know how to handle things and that at this point I really could not afford another negative impact to my credit but she would not hear me out and insisted on transferring me to the insurance department. I really don't know what to do and another negative mark on my credit will put me in my family in a horrible bind. This company continues to ignore me and pass me around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX  XXXX TARGET/TD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NM

Complaint narrative:
XXXX or also called loancare, For the last 3 years I've purchased home owners and paid my agent directly for the full year. Each year my insurance agent has sent Loancare proof of insurance. XXXX moths ago Loancare added hazard insurance to my loan raising my monthly. They also said my escrow XXXX is behind in funds raising my monthly approx {$200.00}. I asked about the insurance payments going to escrow XXXX, I was told the insurance company refunded Loancare and they added to my escrow XXXX. 

My loancare XXXX is so messed up I can't get anyone to help me after contacting them several times, they were to create an analysis and contact me back, never happened, I only receive automated calls. They are now saying my XXXX is behind in payments, I have proof from my back using bill pay that every payment is sent out on XXXX of each month.

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 2021-12-21 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
This is my THIRD time disputing negative accounts on my credit report. I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX # XXXX XXXXSANTANDER CONSUMER USA # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AmeriCollect
State: WA

Complaint narrative:
I am writing this complaint in regards to the alleged debt AMERICOLLECT INC is currently alleging that I owe ( Exhibit A ). After receiving an abundant number of phone calls from AMERICOLLECT INC, I wrote AMERICOLLECT INC by certified mail # XXXX on XX/XX/2021 notifying them of a CEASE AND DESIST ( Exhibit B ) where I clearly outlined the civil violations being committed under the Fair Debt Collections Practices Act. I also notified AMERICOLLECT to stop all further collection efforts and to cease any and all communication with me. A few weeks ago, I received a letter from AMERICOLLECT INC stating that two of the accounts referenced in my cease and desist had been cancelled. ( See Exhibit C ) However, they provided no information for the other accounts. Most recently I was notified by XXXX ( Exhibit D ) and XXXX that AMERICOLLECT INC is now reporting these derogatory accounts on my consumer report and damaging my reputation!! Not only is AMERICOLLECT INC committing civil violations but now they are continuing to harass me over an ALLEGED debt that I disputed since XXXX!!! On XX/XX/2021 I received a notice from AMERICOLLECT alleging that these accounts had been validated and that I owed this debt. First of all, only I, the consumer can validate a debt. Second, they provided me with copies of my medical treatment and visits. This is sensitive personal information! I have never done business with AMERICOLLECT INC nor have I ever entered into any contractual obligation. Lastly, I never gave my consent for any of my medical information to be shared!! I am demanding that AMERICOLLECT INC delete these accounts from my consumer report immediately and to stop ALL collection efforts at once! I do not take this matter lightly, and THIS IS MY FINAL NOTICE TO AMERICOLLECT INC. on the infringement of my rights and right to privacy!! This is sensitive medical information that is being shared without my consent! If this matter is not taken serious by AMERICOLLECT immediately I will be pursuing further litigation and will demand compensation for all of the damages this has caused me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Once again refetence letter XXXX XX/XX/2021 ... Once again I receive a letter concerning my identity. After hundreds of reports and tens of dozens of these letters demonstrating their ineptness they claim they need to identify me. This company is the poorest of a very poor lot. No wonder why. Missing information, incorrect information and after providing my name, address and pertinent data they still can not locate me in their file. Opinion- That's assuming they can maintain files. They claim the complaint was ineligible... really. I guess you the CFPB have an issue or they do not comprehend English. Also CFPB does not allow SS LAST 4 ( XXXX ) The following form fields are incomplete or have errors : Social security number ( Credit reporting company )

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 2021-12-21 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This account states that it has been charged-off but this account was opened under an open end credit plan, which according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Moreover, this company has committed aggravated identity theft by reselling my personal/private information after it was charged off. I've been taken advantage of and will not stand for it any longer. Moreover, under my XXXX consumer report it states that all payments were paid on time but on my Experian consumer report it states all months as Charge-off.

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 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX  XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account. Furthermore, XXXX XXXX  XXXX XXXX has committed aggravated identity theft by reselling my private information to a third party ( NCB in this particular case ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation