vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX, XXXX I missed the first payment of my mortgage with XXXX XXXX XXXX. The total months that have not been paid is 17. That reflects the time period XXXX, XXXX thru XXXX, XXXX I have requested from the bank in writing and in emails several times since XX/XX/XXXX to correct the information with the credit bureaus. The information has been consistently incorrect for more than a year. I have contacted the credit bureaus and they have been unable to correct the reporting due to the banks continuous refuting and admittance that my claims of the inaccuracy reporting is correct and thus that the bank has been reporting incorrect information. 

My Taxes are not escrowed into the mortgage payment. The payments for the property taxes are paid directly by me. The tax payments have been paid directly by me since XXXX. The municipalities were provided information regarding my limited income, financial hardship, and XXXX when I was first delinquent with a property tax payments and the municipalities and I were in discussion of a payback plan from me directly to them. I was also just approved for eligibility for significant reduction for my property taxes for the tax roll period XXXX. 

The Bank has refused to respond to my numerous attempts to speak with them. The Bank on the on-set of the first delinquent payment while knowing of my XXXX status never discussed or mentioned forbearance options. 

My mortgage is owned by XXXX XXXX. I asked the bank about forbearance options after I spoke to XXXX XXXX and the bank continued to ignore me. My XXXX attorney suggested that I ask the bank about forbearance options and thus I did once again in XX/XX/XXXX and the bank representatives did not respond and continued to ignore my request. 

I was offered a modification program that I appealed in XX/XX/XXXX due to the inaccuracy of the figures and the escrow of taxes and the incorrect amount of the taxes owed. The bank confirmed my receipt of the appeal, yet ignored the right I had to appeal the plan and immediately pursued foreclosure actions against me. The auction on my home was set for XX/XX/XXXX. That was postponed due to the COVID-19 Virus crisis. 

I will file bankruptcy in the event that is my only option to save my home and to avoid a foreclosure on my home. In the meantime, There are numerous violations that the bank intentionally did that I will be reporting to your agency and other lending and government agencies in separate and complaints aside from this one.

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 2020-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
My Best Buy store card ( owned by Citibank ) received my payment of {$100.00} on XX/XX/XXXX. I got email confirm of payment, and the account showed a total balance left on the card of {$320.00}. The email confirm from Best Buy card was received by me on XX/XX/XXXX and showed the {$320.00} balance left on card. 

My account statement ( which appears to have been mailed XX/XX/XXXX ) arrived at my address XX/XX/XXXX and showed an account balance on the card of {$530.00}, which included interest charged on the account of {$200.00}. I can not believe the interest charge and I have called both Best Buy and Citibank, but can not get through either on the phone or on either website. This is outrageous! 

I was laid of three weeks ago due to CV-19 and do not have any income ( I am currently awaiting unemployment as my previous employer is supposed to call me back when this pandemic ends ). I still can not believe Best Buy and Citibank did this to me. I don't understand why this was done to me and can not get any answers. 

I am refusing to pay the outrageous interest, and don't understand how I can be charged 39 % interest on this card. My understanding is that interest, fees, and penalties are waived during this pandemic. 

Can you help me? I need to know how this happened to me. Thanks for any help you can offer.

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 2020-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX I went to make a withdrawal from an enclosed Bank of America ATM. I was scammed by a thief gained access to the enclosed ATM. 
On XX/XX/2020 the day it happened I contacted Bank of America fraud department. they refused to look at their surveillance cameras but instead they reported me to XXXX XXXX XXXX  and XXXX XXXX claiming that I attempted to defraud them even though the amount was taken out of my account and the bank was not affected. 
Along with this complaint I have attached my initial letter to Bank of America in XXXX Florida telling them what happened and requesting an investigation into the cameras as well as other documents. I have also included their response letter to be from XXXX Florida. I have also included a letter from Bank of America to me claiming that they reported me to XXXX XXXX and XXXX XXXX XXXX and that they provided them with all of the necessary documents and evidence ( which is false ).

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 2020-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have been trying to make a transfer from my bank account to another person using XXXX. my underlying bank account is at PNC. PNC would allow me to transfer money FROM XXXX to myself, but will NOT let me transfer from my account to another person. In other words, PNC is fine using the app to take more money, but is not fine using the app to allow me to transfer money. 

This has been going on since last week, and is inhibiting me from paying rent, utilities and other local vendors. I have called, emailed and XXXX   PNC and aside from telling me to re-verifying my account, they have told me they are unable to help. XXXX places the blame squarely at PNC. Further, there are a number of articles suggesting that this issue has been going on since 2019, and it is a way for PNC to steer people to its own proprietary platform. 

I can't seem to get my bank to help me, and especially with the branches closed due to COVID, they are essentially holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation
State: NJ

Complaint narrative:
This account was a joint loan with my daughter, who told me years ago that this account was legally paid for less than full balance. in fact, she assures me the account was first reported as a {$0.00} balance, then the following month, completely deleted from her reports! Yet they still claim to be trying to collect a debt from me! They've called my office despite me begging them not to, and when I disputed the account to the address listed on my XXXX   report, the mail was returned to me. They have caused me an amazing amount of emotional hardship, I've nearly lost my job for taking " personal '' phone calls that were in fact Deville Asset, and now they keep bothering me DURING A NATIONAL PANDEMIC!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Please remove the following account, im not responsible for this account nor do i know why or who added me to this account. I'm asking for the credit reporting agencies to remove this account. 

1. XXXX Card Services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please remove the following account, im not responsible for this account nor do i know why or who added me to this account. I'm asking for the credit reporting agencies to remove this account. 

1. XXXX Card Services

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 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
TO CFPB : THIS IS MY THIRD ATTEMPT TO HAVE CFPB DO SOMETHING BESIDES ACCEPTING THE SAME CANNED RESPONSE FROM B OF A. ALLOWING THEM TO CUT/PASTE THE SAME RESPONSE AND THEN CLOSING THE CASE PERMITTING THEM TO HAVE THE FINAL SAY IS UNACCEPTABLE AND DOES NOT DEMONSTRATE THE CFPB MISSION TO " PROTECT CONSUMERS. '' Here are my queries to their response that claims I failed to finish a process - which is totally inaccurate, and they know it. 

1 ) I do understand that because my former spouse declared bankruptcy, that his actions don't relieve the debt we incurred jointly. That is why I was asking about modifying it, so please don't include in the response this bit of information as I understand this. What blew my mind was that B of A was essentially telling me that the debt was erased due to his actions which was crazy talk, but those were the types of responses I got when trying to reconcile this debt. 

2 ) I NEVER got the XXXX Pre-Foreclosure Notice. Please demonstrate proof that this was received by me. You don't have proof as it never happened. 

3 ) Your records about my XXXX home retention attempt are totally false. I was trying to modify my loan, as evidenced by the attached, and you'll see your reps response that reads " I'm not ignoring you XXXX. Just real busy. .... '' and I was never able to get back on board to get anyone to help me with my 2nd mortgage until I got the Notice of Default years later. You'll also note whereas I asked about modifying my 2nd mortgage wayyyy back in XXXX when I began my first mortgage modification. Why on earth would a reasonable person go through the entire process to modify their 1st mortgage and then just blow off modifying the 2nd mortgage? Please explain a logical reason why anyone would do this - nope, no logic there. 

4 ) YOU SHOW ME where I acknowledged that I was not interested in modifying my 2nd mortgage prior to the NOD being filed. You have no proof because it NEVER happened. 

I will continue to file complaints and eventually consult an attorney, but please don't respond with the same erroneous summary that you are using to substantiate your position. B of A was simply ill equipped to handle the modification of the 2nd mortgage which is not my fault. So I'm asking for some relief of the fees and interest charged during that timeframe.

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 2020-03-30 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: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Hello, my name is XXXX XXXX and I am reaching out today to speak about an error that I found on my credit report. On XX/XX/XXXX, Wells Fargo Bank placed a hard inquiry on my credit report. I have never worked with Wells Fargo or banked with them for any other reason making this hard inquiry an error. 

XXXX XXXX was another company which place a hard inquiry on my credit report finding it to be a error as well on XX/XX/2019. 

XXXX XXXX is the third to place another hard inquiry on XX/XX/2019. This is also an error. 

XXXX XXXX is the last company which placed two hard inquiries on XX/XX/XXXX and XX/XX/XXXX, XXXX these were also errors As a student trying to improve my credit report so I get a chance to someday buy a home for my family and contribute to the system by starting my own business. Things like this on my report will only make it difficult for me and my future family to progress.

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 2020-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
Prosper refused to close my account and return my money. They are insisting that I forfeit my money to them in order to close the account. 

From Prosper in response to my request to close my account : Thank you for choosing Prosper Investor Services. We appreciate you reaching out in request to close your account. Unfortunately, we can not send checks. The process to close out an account has updated recently and we would be glad to help you get through that. If you would like to forfeit the account as is ; with assets, active notes, available cash, or charged-off loans you may still sign the Forfeiture XXXX. Please read through the form as it does entail that, by signing this XXXX, you would forfeit any future recoveries received for any defaulted/charged-off accounts. Be advised that there is not a set time-frame for this document to be generated, just be sure to monitor your Prosper-associated email address. Please reply to this email if you would like to initiate the forfeiture process so we can initiate that for 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 explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: NC

Complaint narrative:
I recently became aware of a debt that was sent to collection. I became aware of this when I checked my credit report this month as I am applying to XXXX school and will need to apply for federal loans.These are bills from medical procedures from XX/XX/XXXX. I did not receive a bill from the hospital, If i did I would have paid the debts. After these procedures, I moved from XXXX   to XXXX and had my mail forwarded. I received many other bills from my procedures that were forwarded to my XXXX  address and paid those in full. 
When I became aware of this collection debt, I contacted the hospitals who could not provide me any information as to what the debts were for and I was told to contact the collection agency. 
I did contact them and have paid the debt in full. 
I would like these two debts removed from my credit report. I have been accepted into XXXX  school for fall XXXX and will be applying for XXXX   loans. I will not be able to go to XXXX  school with this affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to you in regards to account that is coming up on my credit report. I have absolutely no knowledge of this account and have sent letters requesting validation to the, to no avail! If they can not validate it, how can you report it?! Enclosed are the certified return receipts that I sent to the creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Since they are unable to give me any information, maybe you could tell me who the original creditor is, what service they performed, where they are located, amount of balance? 



If you are not able to provide me proof that this is my debt and the collection agency is not able to provide me proof either, then you must delete it. I have read about the Fair Credit Reporting Act and it states that you must only report complete and accurate information and you must honor any request to investigate a disputed item. I expect since they cant confirm it, you cant either so it must be removed from my credit report or I will be forced to involve the Federal Trade Commission.

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 2020-03-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to you in regards to account that is coming up on my credit report. I have absolutely no knowledge of this account and have sent letters requesting validation to the, to no avail! If they can not validate it, how can you report it?! Enclosed are the certified return receipts that I sent to the creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Since they are unable to give me any information, maybe you could tell me who the original creditor is, what service they performed, where they are located, amount of balance? 



If you are not able to provide me proof that this is my debt and the collection agency is not able to provide me proof either, then you must delete it. I have read about the Fair Credit Reporting Act and it states that you must only report complete and accurate information and you must honor any request to investigate a disputed item. I expect since they cant confirm it, you cant either so it must be removed from my credit report or I will be forced to involve the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following accounts that you and your company is reporting are fraudulent and I'm demanding that these accounts be blocked and removed immediately from my credit file. I'm also demanding the Method of Verification used when investigating these accounts. What is the employee name and title. What date and time did this occur. How was it verfied by certified documentation, fax or phone, etc. I do not have any knowledge of these accounts and asking that they be removed. 

1. XXXX XXXX 2. XXXX XXXX # XXXX 3. 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 explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America employees opened an account in my name while I already had a savings account with them. I also closed an account back in 2008. They opened an fraudulent identity theft account the same time I opened an account and ran the account up in ways that are impossible. 
They negative the account at XXXX I closed all my accounts with them and they began sending me this fraudulent statement in the mail. I contacted 3 executives who confirmed it was closed. 3 months later I began receiving the same fraudulent statement again for the same account.

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 2020-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
I attempted to make an ACH payment to cover month of XXXX today, XX/XX/XXXX, however, the error message stated the account is not eligible to make online payments. I am trying to avoid a late fee and need to make payment before fee is assessed. I believe the error is possibly related to past returned ACH payments, if that is the case, I have a new bank account with XXXX and funds are available. I can assure BMWF ACH payment ( s ) will process and not return. In addition, I have added my debit card with XXXX as an added payment source. Past returned ACH payment was due to a deposit not posting on end of bank, I believe funds were held for ten days, not available time payment presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: WI

Complaint narrative:
This situation goes back more than a decade, we had used CFPD in the past and found what we believed at the time a reasonable agreement. 
We had two loans with CitiMortgage a first and a second. We faced them in court on the first mortgage and they decided to drop the first and clear the title to the loan. They then added a {$200000.00} " corporate loan '' to the second mortgage. That is where CFPD stepped in and the processor at the time agreed and stated the amount due {$72000.00} was the new amount but that was not the payoff amount. That is the deceptive part of the process. After agreeing to remove the " corporate loan '' we began making payments. What was no disclosed in the agreement was the total amount owed? It turns out every time the loan processor was changed along came thousands of dollars in fees to my wife and I. It is not clear if the interest on the " corporate loan '' was ever removed. 
We did hire XXXX XXXX to look into the matter and paid for his services. As he was dealing with the mortgage companies we were running out of time so he suggested we file bankruptcy to allow us to continue our process. 
Nothing has changed from the mortgage point of view other than an offer to pay a 40-year mortgage and owe a balloon payment of {$100000.00}, which he suggested was a good deal because we'd likely be dead before the balloon payment was due. 
The second mortgage started out at {$75000.00}.

Company response to consumer: Closed with explanation