vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been working with XXXX for the past two years to get a home loan with Bank of America. My closing was schedule for XX/XX/XXXX. On XX/XX/XXXX my file to updated and showed, " XXXX pending compliance and verbal verification of employment. '' Two days later, underwriting was suspended and additional conditions was placed on my file. All additional information was provided and closing was then extended to XX/XX/XXXX. My XXXX counselor and closing attorney has tried with no success since XX/XX/XXXX to contact someone in the underwriting department of BOA and no one is responding. I have already wired my closing funds to the attorney. Due to the explainable delay, I was forced to give up my apartment and place my belongings in storage.My son and I am now living in car just to achieve the American Dream. I have XXXX and my health is being seriously impacted by this as well. Moving my stuff to the storage unit cost me {$820.00}, which means I will be charged another {$820.00} to move my stuff from there. I was told by another agent that works with XXXX that she has clients that were cleared to closed since XX/XX/2019 and Bank of America still has no sent the paperwork to the closing attorney. 
I would really hope that Bank of America is not intentionally stall the XXXX loans. I just want to close on this house and get on with my life. I am afraid that the seller might terminate the contact and walk away with my earnest money. PLEASE 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 explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bryant, Hodge & Associates LLC
State: VA

Complaint narrative:
The debt collection agency BRYANT HODGE AND ASSOCIATE calls and text consistently all year. When you call back goes to voicemail. They use multiple numbers, they do not thru text or phone service identify themselves as debt collector or offer the mini XXXX which is required to collect debt, contact information I have is XXXX XXXX XXXX, they have bill payer service website site with an address in XXXX XXXX but in looking up the agency in the past based in XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I HAVE HAD FINANCIAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I HAVE MADE A MISTAKE OF FALLING BEHIND BUT I AM NOW WILLING TO FIX THIS MISTAKE AND CONTINUE MAKING MY PAYMENTS ON TIME FROM NOW ONWARD. PLEASE I AM ASKING THAT YOU CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT IS LISTED.

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 2020-01-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I HAVE HAD FINANCIAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I HAVE MADE A MISTAKE OF FALLING BEHIND BUT I AM NOW WILLING TO FIX THIS MISTAKE AND CONTINUE MAKING MY PAYMENTS ON TIME FROM NOW ONWARD. PLEASE I AM ASKING THAT YOU CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT IS LISTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc.
State: TX

Complaint narrative:
CBCS on credit report in error. No proof of debt has been provided. Please remove from my credit bureaus?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that Fifth Third Bank had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with Fifth Third Bank 's customer service representative who explained that Fifth Third Bank had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite Fifth Third Bank failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had 2 credit cards with Capital One Credit Card since XXXX. I opened another Capital One Credit Card Account # XXXX on XX/XX/XXXX. I used the card XXXX, XXXX, XXXX and XXXX. The month of XXXX the card wasn't used and the app stated there was no minimum ( or any payment ) due. A month later when I checked my credit score it said I was 30 days late for a {$3.00} interest charge for the card. The interest charge was never communicated to me and I never received an email the month of XXXX stating that I needed to pay an interest payment. When I called Capital One and stated what happened, they said that they would not take it off of my credit and just to " deal with it ''. I am extremely disappointed because it is greatly affecting my credit and I am unable to get more cards. I have spoken to them a few times and mailed letters and can not get any help. 

Please take this off my credit! I am happy to pay any fee- I am trying to buy a home and this is impairing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXXThe furthest I got with the XXXX branch of Chase Bank XXXX XXXX CA, is illegal unauthorized with draw from my first checking account of {$15.00} that was received by the representative and bogus withdrawals from non-ATMs I did not access, credit the account and then reversed it in which my statement now shows a negative balance, overdraw. I initially went into the bank to complain about the illegal activity of numerous hidden accounts on my XXXX chip my Chase ATM statements showed numerous last four digits of accounts of Seperate receipts ( 2 ) on or about XX/XX/, I went to the original branch where I opened the first account relayed this issue and it was suggested to reopen a new checking account and transfer the remainder funds that was direct deposit from SSA, social security administration. In which I complied, it sounded like a solution since my first checking account was compromised. The next day I went back to the branch, XXXX XXXX XXXX, XXXX XXXX, CA. and transfered approx. {$500.00} to savings. There was a balance of approx. {$400.00} of savings previously I the account when I opened up the savings. 
On XX/XX/ I went to the bank to withdraw {$100.00} and had an error balance of {$300.00} remaining when the savings account should have been balanced at around {$900.00}. 
I spoke with the representative the manager at the XXXX XXXX branch and the claims dept. And claims supervisor over the phone all which was of no help and in fact asked me to leave although I am a consumer and it is their duty to rectify financial affairs if in error and regard complaints. My suspicion besides the mismanagement and theft in funds but Non- ATM fees accounted for in my account and skimming XXXX dollar or two or more each time a transaction is made. The only ATM I went to is an ATM in XXXX XXXX XXXX XXXX, transportation located at XXXX XXXX XXXX, I noticed on my statement that there was another similar address one other time. I asked for a full investigation of video surveillance, pin input pattern, forgery in which XXXX XXXX branch denied. 

I would like All Chase Entities and financial institutions closed down until further investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: AL

Complaint narrative:
My XXXX  credit is Excellent but the Equifax report is Fair. There is over 60 point difference. I tried to get onto Equifax to check my report and couldn't. They took my credit card and charge me 3 times. When I called them they said they only charged once. I had to cancel my XXXX credit card and get a new number. Still can not get on the site. Tried to file a complaint. They asked me questions about my file to enter a complaint but all the information was incorrect and I had to choose none of the above. It said this was incorrect and to call but calling does no good. This place is a scam. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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: IN

Complaint narrative:
TransUnion credit report on inquiry. I call their phone number and got a rep. The rep was rude and wouldnt give me a name. I wanted to dispute 15 different credit inquiries that I had nothing to do with and she told me that they are mine and that I just need to ride it out. I am mad beyond belief at the moment. I asked to speak with a supervisor and was told basically that wasnt going to happen. I need this stuff gone as to I didnt inquire about these credit cards or loans.all of this happened on XX/XX/2020 and I keep seeing more pop up on my TransUnion credit report this is stupid. Please help.The following is a list of the credit inquiries. 
XXXX. 
XXXX, IN. 
XXXX ( XXXX ) XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, DE 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 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect on credit report in error. No proof of debt has been provided. Please remove from my credit bureaus?

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 2020-01-18 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: TN

Complaint narrative:
I checked my credit report an saw several account that did not belong to me, so i got in contact with the companies to let them know that these accounts were not mines. I also provided my drivers license and social security card to prove that the accounts were not mines but they refused to investigate them. So i decided to file the necessary documents to show that i have been a victim of identity thief to the best of my knowledge. The following accounts are not mines : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XXXX {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: TX

Complaint narrative:
see attach FTC violations XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX could not add all accounts on FTC maybe more to come

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 2020-01-18 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
see attach FTC violations XXXX XXXX XXXX funding credit XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  could not add all accounts on FTC maybe more to come

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On credit report in error. No proof of debt has been provided. Please remove from my credit bureaus?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX : United Collection Bureau , Inc., ( USB ) Reference XXXX. 

This is my communications and complaint regarding USB 's continued hazing, lying, unprofessional, and USB has violated the rights of the consumer, and committed fraud. 

USB obtained fraudulent information from XXXX XXXX XXXX XXXX XXXX XXXX in the month of XX/XX/XXXX, via XXXX. USB has misused my personal identity and personal data due to XXXX XXXX data breach of my personal data. 

XXXX has the records of the data breach in the history records due to overseas fraud in XXXX and XXXX. 

This matter is closed. USB is stop immediately. I have secured legal services and investigation at my own cost, I have to carried Identity Theft Protection at my own cost. 

XXXX has a debt to me for legal fees, fraud, professionalism, and data breach in the amount of {$7500.00} USB is acted unethically in research. In addition, I have been notified to make a formal legal complaint to The Department of Consumer Affairs in New York, License number XXXX. 

Respectfully yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: AES/PHEAA
State: FL

Complaint narrative:
I attended XXXX XXXX XXXX XX/XX/XXXXfor summer and fall sessions. I moved from XXXX to XXXX Florida for a family emergency in XX/XX/XXXX. I never received any emails or forwarded mail about my payments or when they would be do. I check my credit periodically and noticed in XX/XX/XXXX that they hit my credit score saying that my payments were late by 120 days and 90 days. I immediately called them and explained the situation and they stated that they could not take it off my credit. I have submitted multiple disputes but none will go through. I have showed that I make all of my payments on time and plan to continue to make them until the loan is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: MA

Complaint narrative:
I have been a victim of identity theft twice and then I was hit with third part creditors coming after me and trying to take me to court for bills I paid ten years ago and for some reason since I was effected by the breach i. Have experience not listening to me regarding a third part lawyer for XXXX which just showed up on my credit and I have been using XXXX my entire life so they are the only ones not listening to me after spending hundreds of dollars with post offices and ink and so on and so forth I thought I was finished finished fighting but this is for XXXX Im XXXX and can not afford to live never mind a bill I dont owe and effecting my credit I can not fight anymore Im too tired. Please help me they are the only credit company who has this listed and not listening 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 2020-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that XXXX XXXX XXXX  had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX XXXXXXXX XXXX customer service representative who explained that XXXX XXXX XXXX had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite XXXX XXXX Bank failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, 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