vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 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: NY

Complaint narrative:
On XX/XX/2021, I made a transfer to my husband 's XXXX account, mistakenly from my checking instead of my savings account. Because my husband 's XXXX account had been closed already, the funds were returned to me by the next morning. Unfortunately the transaction sent my checking account into overdraft, despite my savings account having those ample funds, and I was charged several {$35.00} dollar overdraft fees, which I was able to contact Bank of America about and reduce to one payment. Unfortunately they also charged me 3 separate {$35.00} NSF returned item fees for that day, XX/XX/XXXX. When I spoke to Bank of America on XX/XX/2021, via phone, they refused to refund any of these fees. I can see that Bank of America has an established pattern of these predatory fee practices, and were implicated in a class action lawsuit on XX/XX/XXXX of 2021. Unfortunately it seems it has not encouraged them to amend their ways and they are still engaging in these practices. While I agree it might be reasonable to pay XXXX dollars for an overdraft fee, and potentially XXXX dollars for an NSF fee, the imposition of multiple fees per day seems unfair and improper, and I see the courts agree with this stance. I would like to have any of these fees refunded to my 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 monetary relief
Consumer complaint received 2021-12-16 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: GA

Complaint narrative:
Greetings, I have made attempts on several occasions to apprise all 3 credit bureaus of my concerns. I went through the process of filing an identity theft report and sending certified letters, to dispute an account ( XXXX  XXXX with a {$0.00} balance ) that is due to identity theft. 

Though I had an authentic identity theft report, I was told that the report was not authentic and the account remains on my reports. These credit bureaus are not exercising ethical practices consistent with the Fair Credit Reporting Act. 

I have recently sent letters to continue to request proof that the account in question belongs to me. The original address that they have on file is not an address that I have lived. They are continuing to send letters with old statements in response to my request to verify the account. They have yet to provide anything with any proof reflecting my signature. This is unlawful and it is negatively impacting 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 non-monetary relief
Consumer complaint received 2021-12-16 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: PA

Complaint narrative:
ON XX/XX/2021 THERE WERE COLLECTION ACCOUNT ADDED & DEROGATORY MARK ON MY CREDIT REPORT PER EQUIFAX UPON FURTHER RESEARCH THE ACCOUNT WAS TRANSFERRED AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT, DEBTOR CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO FORM OF WRITTEN COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ALLEGED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SNED A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA EXQUIFAX HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: VA

Complaint narrative:
In XXXX of XXXX i was struggling with XXXX and I missed a payment of the amount of {$1800.00}. I called Planet Home Lending to let them know of the situation. I was scheduled to pay it off in XXXX. I paid off my mortgage for both XXXX and XXXX in XXXX. I have never missed a payment since closing on the home in XXXX of XXXX. I would like to dispute this as this has caused a negative impact on my credit when something shouldve been done. I have tried calling Planet Home Lending to see if anything could be done and they said that there was nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Luckmore Finance
State: MS

Complaint narrative:
XX/XX/2021, I mailed out a Affidaivt of Truth ( AOT ) and a Cease-and-Desist Collection Activities to XXXX XXXX XXXX and Luckmores register agent XXXX XXXX. Inside of the AOT, I pointed out how Luckmore has violated several of my federally protected consumer rights. Throughout this entire account period Luckmore as use unfair practices in order to collect on the debt. Luckmore has threaten to file sue as well as garnish my wages, with no intentions on doing so, which is a clear violation of 15 USC 1692e ( 4 ) and 15 USC 1692e ( 5 ). Pursaunt to 12 CFR 1041.7 Luckmore has charged my debit card without my permission on several different occasions which has caused my account to become negative due to insufficient funds available. I have spoken to the CEO regarding this matter on XX/XX/2021 ( on a recorded line of my own ), and after expressing my concerns with him about the unfair and abusive practices, Luckmore placed a hard inquire on my credit report not even one minute after speaking with XXXX. Luckmore uses fake phone numbers to call me in order for me to pick the phone. XXXX has called me from a ( XXXX ) area code number which is the same code where I reside. Luckmore Finance is located in XXXX and XXXX XXXX Louisiana. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Luckmore has placed several late payments on to my credit report which is a clear violation pursuant to 15 USC 1666b. Also, I NEVER gave Luckmore any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b.

Luckmore has cause severe stress and anxiety due to the abusive and unfair practices. When I see an email or phone call from Luckmore, I so afraid that theyll add additional adverse actions to my credit report which is causing me to NOT get approve for my home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Citibank ( for Home Depot ) recieved my payment ontime on the XXXX. They acknowledge it was recieved on the XXXX. They have charged a late fee of {$29.00} because it was a weekend and my bank did not release the funds because it was a weekend.

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 2021-12-16 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On and for the record, I contacted LVNV FUNDING, LLC after noticing that LVNV FUNDING, LLC is listed as a derogatory mark on my Credit Report ( s ). I contacted LVNV FUNDING, LLC in XXXX regarding the alleged debts listed at {$2000.00} and {$2200.00}. LVNV FUNDING, LLC FAILED to produce the evidence required to validate the alleged debt within the thirty ( 30 ) day time frame in accordance with 15 U.S.C. Sec. 1681i ( a ). I have NEVER received ANY service or product from LVNV FUNDING, LLC and I have NEVER had a Contract or an agreement to pay LVNV FUNDING, LLC at ANY time. LVNV FUNDING, LLC is GUILTY of Unfair Deceptive Business Practices and I am hereby requesting that the CFPB aid in correcting this matter. My investigation is evidenced by Certified Mail Number XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: TX

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: NC

Complaint narrative:
On XX/XX/21, I applied and was approved for a SoFi personal loan. I used a referral link that gives me a {$310.00} sign up bonus. However, it's been almost 6 weeks and I still didn't get the bonus. I reached out to SoFi customer service via chat to inquire about the bonus. I was told that because I don't have a money market account with them, i'll have to add an external checking account to get the bonus deposited to, which I did. Few days later, I chatted a gain to see if theres any updates, I was asked again about the money market account, I repeated the previous conversation again, opening and/or having a money market account is NOT a requirement to get the personal loan bonus. The agent said that she marked the ticket with that information and that I've already added an external checking account as instructed. I just chatted again today with SoFi and it's the same conversation all over again. Same thing for the person who referred me, she was told to add an external checking account, which she did, and still didn't receive here referral bonus of {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The XXXX XXXX  stated that the benefit card was used at the TD Bank XXXX  3 imes between XX/XX/XXXX and XX/XX/XXXX. It was used on XX/XX/XXXX at a store at XXXX XXXX XXXX XXXX. XX/XX/XXXX It was used at an ATM at XXXX XXXX XXXX XXXX. XX/XX/XXXX it was used at XXXX XXXX XXXX, XXXX. On XX/XX/XXXX it was used at a Parking lot at XXXX  XXXX and at a gas station on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Cornerstone Home Lending Inc.
State: UT

Complaint narrative:
This is a follow-up to a complain that was never resolved but somehow was closed. Complaint ID # XXXX I called Cornerstone Mortgage in early XXXX to get a modification started after a covid forbearance due to loss of income. I called again a week later to confirm that they had received my modification packet in its entirety which they said they had and it would take about 30-40 days for outcome. Then they re-directed me to be put on a deference due to an error on their part. I was told my streamline flex modification would then be expedited!. I have called so many times that I can not count and the reps state anything from " my loan was not currently started on for modification but has been accidentally closed!!! '' to " you are back on deferment '' to " we are working on your modification still ''. ( I am usually on hold 60 minutes to reach loss mitigation ) My single point of contact has no idea what is happening and patches me to loss mitigation. She at one point stated the request for modification has been closed and must be restarted. This is absolutely ridiculous. They have no clue what is happening. I need a resolution not a empty promise of a resolution. I have called at least 15 times since this started with no resolution. Again, this modification started in XXXX and it was confirmed that the package was complete. It is now the end of XXXX. I have no way to get in contact with anyone who knows what is happening. 4 months has past and I need someone from CFPB to intervene please. I am desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: EOS Holdings, Inc.
State: AL

Complaint narrative:
The collection agency had been repeatedly harassing other people in an effort to contact me, even after being told by those people that the collection agency had the wrong number. Apparently, the messages to other people referenced a " judgement '' against me. 

In order to stop this harassment, I contacted the collection agency. The man I spoke to tried to portray himself as a neutral party and said he would be " advocating '' for both me and " the client. '' He then hinted that I had commited " theft of property '' amongst other crimes and that he wanted to offer me a chance to settle before he " sent it to the county. '' I interpreted this as a threat of criminal prosecution. 

I asked the man to verify the name of his company. He stated XXXX, XXXX. 

He then offered several payment options. When I requested that he send documentation of this payment offer, he refused. He then again implied I had commited crimes and would face action from " the county. '' The call ended shortly after.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
I lost my job at the start of the pandemic in XXXX. I explained this ( repeatedly ) to Ford Credit that I wasnt able to make payments until I either was called back in to work or started receiving unemployment. Once I started getting unemployment I made my {$380.00} monthly payments for my car. My unemployment ran out earlier this year and I have still not been hired yet. I was unable to work during XXXX XXXX because 3 of my immediate family members contracted XXXX and I also had to homeschool my youngest son. I was and am still looking for work but havent been successful yet and have explained this to Ford. They also havent given me credit for payments I made over the summer that I emailed them proof of. Them calling me every day and leaving countless voicemails isnt going to help me get hired any faster. The harassment and threats need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citigroup Inc is closing my credit card account even though it is in good standing. I haven't missed a payment in two years. They are refusing to reissue my card to replace the expired card. They are closing my account with the reason being " Past Due '' payments. I have no past due payments and haven't for 2 years. The account will be closed at the end of the 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 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CT

Complaint narrative:
ANY/ALL agents continue to violate me in due process of XXXX and/or XXXX Securities and exchange act. They have been properly notified and aware of Any/All agents actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 XXXXairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2021-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I sent a letter requesting to have debt information sent to me. On XX/XX/XXXX I received a typed up letter from Capio Partners of Statement of Account along with a statement stating NOT A BILL with a service date and description. 

A second letter on XX/XX/XXXX requesting to validate debt which was not done in initial letter. I have not received a response as of XX/XX/XXXX. I am requesting to have this debt removed.

Company response to consumer: Closed with non-monetary relief