vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 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: TN

Complaint narrative:
On XX/XX/2021, I received a notice via XXXX dark web monitoring that my checking account ending in XXXX had been exposed on the dark web. I called Bank of America and requested the account to immediately be frozen and the freeze was placed on XX/XX/2021. Bank of America 's Fraud Department advised me that ALL debits would be declined for this account effective XX/XX/XXXX. I had valid ACH payments already sent by billers sent to this account. Some of them were approved but then returned. I have since made those payments to my billers. My payroll deposit was transferred to this account on XX/XX/2021 from XXXX XXXX for {$300.00}. I also had an ACH debit from XXXX XXXX for {$15.00} come in on XX/XX/2021. I also had a deposit of {$98.00} via XXXX credit to this account. I have spent 6-9 hours on the phone missing time from work trying to get access to MY money transferred to the new account that the Fraud department established for me. I was transferred across multiple segments and never got the help I needed. I finally came in to the XXXX XXXX located at XXXX XXXX XXXX in XXXX TN XXXX to attempt to get this resolved. The XXXX XXXX employees advised me my account was overdrawn, there was nothing to transfer. I explained what process I had gone through and they advised I needed to call customer service. This is absolutely unacceptable. The BXXXX XXXX should not advertise itself as a " Full Service Center for Bank of America clients and products we offer '' if they in fact can not do anything but make excuses and refer me to somewhere else. I have had valid transactions bounce out of this account, remade them using a different bank. I asked that ALL of my accounts and my entire relationship be closed and was advised they are unable to do so and offered no help. I am filing this complaint while in the branch. The agents at the XXXX XXXX now are on hold and can not even access the support team.

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 2021-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed my " XXXX County Property taxes '' of {$10000.00} had not been paid by my Mortgager " Guaranteed Rate '' via my escrow account. I called Guaranteed Rate and asked why they had not been paid ( they had no good reason. ) They advised me to email a copy of my " Property Tax '' bill and they put in a work request to the escrow - property tax dept to get them paid. They acknowledged at that time if they were not paid on time they would be responsible for the 7 % Penalty Fee ( {$710.00} ) I made several phone calls from XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX to resolve this issue as we ended up selling our home and closing on it on XX/XX/XXXX. Because the property taxes were not paid, our escrow company paid XXXX County property taxes {$11000.00} through the proceeds of our sale. When I spoke to the " Supervisors '' on XX/XX/2018 & XXXX. They all acknowledged that Guaranteed Rate was responsible for the penalty Fee of {$710.00} and assured me that Guaranteed Rate would reimburse me when the loan was paid off. 
With no recourse in sight and no follow up from the elevation of our complaint with the reps at Guaranteed Rate, We filed a complaint with on XX/XX/XXXX with the XXXX with no response or On XX/XX/XXXX we spoke to " XXXX XXXX '' who follows up with BBB complaints who said he would look into it and call me back by XX/XX/XXXX - Again no call back. We finally called him back today XX/XX/XXXX. XXXX stated that Guaranteed Rate would NOT be refunding me the late fee because 1 ) The account is closed and 2 ) I put a stop on the payment?! ( after a recommendation from their representative who noted that since the escrow would be paying the taxes the next day it made no sense for Guaranteed Rate to make a double payment to XXXX County. The rep again acknowledged and reassured me that since Guaranteed Rate failed to meet their Fiduciary Responsibility we would receive a reimbursement of the Late Penalty. ) Although Im sure Mr. XXXX is sincere in his trying to help me, Im not confident that the Loan Servicing department he is working with is using any common sense in this department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
Saturday XX/XX/2021 l contacted amerisave mortgage to check on a refi. All was approved and I was told my monthly payment would be XXXX and the payoff will be XXXX on this refi. This was after I provided all information needed and I allowed the rep ( XXXX XXXX ) Loan Originator NMLS ID # XXXX to pull my credit for finalizing the deal. After the credit was pulled the rep verified a few more details concerning employment and the stated well the payment will now be XXXX and the payoff is now XXXX and we need some assets!!! I said whoaaaa, what are you talking about? I have no assets. I have a truck paid for. He than asked what's it value and I stated XXXX XXXX maybe. I asked what is all this about assets all of a sudden? He literally couldn't explain and rushed me off the phone stating let me get the terms of the agreement to you so you can see for yourself ( which he has yet to do ). I asked him if he's made a mistake to just admit it and he said again let me get you the terms of the deal so you can see them. I agreed and it looks like either a bait and switch took place or this rep don't know what he was doing or saying. I wand an explanation ASAP as he ran a hard credit pull by flat out lying to me and then changing quoted amounts to highly inflated amounts with no explanation and I have yet to hear back from him or see any terms on that refi.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Good day! 
We would like to file a complaint to Fay Servicing. 
We are working on a short sale and until now there is no decision yet from Fay Servicing. We already escalate this several times but the status is still the same. The point of contact for this file is XXXX XXXX but she has not escalated this or make an effort to get the decision. The value of the property is {$240000.00} and the buyer 's offer is {$240000.00}. So we don't see any reason why it was not yet approved. 

XX/XX/XXXX- The file was tagged to have a complete package for the short sale review. 
XX/XX/XXXX - The file was tagged that it was under investor 's review. 
As of today, there is no short sale approval yet. It has been 2 months that they got the complete package but the file is not making ny progress. 

We would like to get the approval letter as soon as possible because we don't want to lose this buyer that has been patiently waiting but sad to say until now it was yet approved. 

Thank you. We greatly appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I'm XXXX years old. I ran my credit for the first time XX/XX/XXXX. There's a credit card on my TransUnion account. It has a 60 day on it. It also has an open date of XX/XX/XXXX. Seeing as though I wasn't born until XXXX, I'd like to have this credit removing removed. Obviously it is not mine, nor did I give approval for my information to be used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 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: IL

Complaint narrative:
I ran my credit for the first time on XX/XX/2021. I noticed that my birthday is incorrect.

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 2021-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Bank of America ( BOA ), approved our forbearance that lasted till XX/XX/XXXX, under COVID-19 Hardship. On XX/XX/XXXX, we received a letter of Delinquency notice from BOA reminding us that our mortgage payments are late, if we do not bring the account to current, it may result in fees and foreclosure ( loss of our home ). The delinquency letter lasted till XX/XX/XXXX, ( 6 of them ). On XX/XX/XXXX, we resume payments on our mortgage loans. 
since then, BOA has reported negative report to credit bureaus which affected us negatively as we attempted to refinance our home with negative results due to 7 payments missed during the disguise of forbearance forbearance. I have reached out to BOA on numerous times over a 5-week span requesting equal treatment and fairness under the terms and conditions agreed upon under FORBEARANCE and not under DELINQUENCY that harm with negative results. Now BOA has opened up enquiries to assist us with the credit bureau in an effort to right wrong. That's 30 % of our dilemma. BOA assigned us case manager I learn for the first time today his first name as XXXX, and BOA provided us with number of XXXX XXXX each call has proven futile as no-one has being able to explain the difference between FORBEARANCE and DELINQUENCY NOTICE to us. Each time, there is a round and round the lasted for over 5 ours that they started hanging up on 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 2021-04-12 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: DISCOVER BANK
State: TX

Complaint narrative:
This is additional information for Discover Card. For 4 years I have been claiming theft and fraud of the Discover Card. The card was stolen and fraudulently used. Attached is my XX/XX/XXXX Sheriff 's Report. Also attached is XX/XX/XXXX XXXX County Judgment and felony conviction for credit card abuse and references my card. Also attached is XXXX Mississippi arrest for false pretenses, forgery, and credit card abuse. This should be important to Discover. It reflects how she impersonated her own father and how she manipulates. She was even writing large hot checks to buy cars. She has to have a XXXX loose and is a mean twisted person. I am also attaching a FTC fraud report on a dealership. XXXX XXXX convinced them to pull my credit report without permission to check me out and then forged an application and purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 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: IL

Complaint narrative:
I'm XXXX years old. I ran my credit for the first time XX/XX/XXXX. There's a credit card on my TransUnion account. It has a 60 day on it. It also has an open date of XX/XX/XXXX. Seeing as though I wasn't born until XXXX, I'd like to have this credit removing removed. Obviously it is not mine, nor did I give approval for my information to be used.

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 2021-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The following company : Comenity Bank/David 's Bridal is reporting a late payment on my credit report. I have mailed letters to this company since last XXXX and have not received a written response from them. I have also contacted them via telephone and they're not able to find my name, social,, or phone number in their system. I'm asking that you remove this late fee from my credit report being that it's evident that this is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Nissan Infiniti LT has violated 5 of my federally protected consumer rights in the collection of a debt. 

15 USC 1692b ( 5 ) 15 USC 1692b ( 2 ) 15 USC 1692e FCRA 15 USC 1681 FDCPA 15 USC 1692d ( 1 ) I have attached exhibits as proof of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: CA

Complaint narrative:
I'VE PAID THIS ACCOUNT OFF AND XXXX XXXX XXXX AGREED TO REMOVE THE ACCOUNT FROM MY CREDIT REPORT BUT IT'S STILL SHOWING. 
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 2021-04-12 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I did not recognzied this chase collection account until XXXX 2020. Account opened without my permission, I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MI

Complaint narrative:
I received a letter in XX/XX/XXXX stating I owed money as a co-signer on an apartment in Florida. I called them and said it was not me. I received another letter XX/XX/XXXX stating I need to pay this debt, and the collection process has escalated. I never co-signed for any apartment. They have not send me any documents showing how I am connected to this. My name was used fraudulently and now they are trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THERE ARE NUMEROUS OF FRAUDLENT ACCOUNTS APPEARING ON MY CREDIT REPORT. I'VE SENT COUNTLESS OF LETTERS TO THE CREDIT BUREAU AND I HAVEN'T RECEIVED A RESPONSE. PLEASE HAVE THEM REMOVE FRAUDLENT INFORMATION. IVE INCLUDED MY FTC REPORT AND POLICE REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 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: U.S. BANCORP
State: TX

Complaint narrative:
Hello, This is XXXX XXXX. I have been trying to resolve inaccurate credit reporting for over 6 months. I have talked to XXXX XXXX XXXX, Elan Financial Services/ XXXX XXXX , XXXX  , and XXXX  to update a late payment alert on my account. I have resolved the issue with my bank and financial company, but the both XXXX  and XXXX  have refused to assist me with this issue. I have filed over 5 disputes over this issue and this still has not been resolved. I plan on purchasing a home in the next year or two and it is crucial that this gets fixed. Please assist with this issue as soon as possible. 

Best, 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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Back in 2013 my phone acctd funnyand started to open my bank accounts and I was seeing activity like my account information being open with out my consent when I got to the problem and reported it to my creditors they have locked my accounts and asked to me change password and phone since them fraudulent accounts starting apperaing on my credit report and I have discuseed this with chase and XXXX they did not listen finally send to the creidt agencies XXXX  and XXXX and for six months the information was removed after thet my information that i disputed after six months came back as accurate with no proof of claim I asked the creditors to send me proof of the debt and a copy of the application for the buiness account they denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: NV

Complaint narrative:
XXXX XXXX There is an auto financing company WFDS. I am unaware of this inquiry i dindt give permission to run my credit.

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 2021-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: MD

Complaint narrative:
My original loan company transferred my loan to a new servicer who received all transfer payments for my loan account, but have not applied them to my account. The new loan servicer received and deposited the check payment on XX/XX/21, but never applied it to my account and then reported my account delinquent to the credit bureau. I have called and emailed on countless occasions and still have received no resolution to date. I also made an additional payment on my account & that payment wasnt applied as a regular payment but as an additional principal payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'VE PAID THIS ACCOUNT OFF AND XXXX XXXX XXXX AGREED TO REMOVE THE ACCOUNT FROM MY CREDIT REPORT BUT IT'S STILL SHOWING. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'VE PAID THIS ACCOUNT OFF AND XXXX XXXX XXXX AGREED TO REMOVE THE ACCOUNT FROM MY CREDIT REPORT BUT IT'S STILL SHOWING. 
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