vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have a VISA credit card with Bank of America that I set up to use auto-pay, which is their system for setting your checking account to automatically pay off the statement balance on the credit card each month. I had it set up to pay the full statement balance by the earliest delivery date. When choosing the earliest delivery date option, their system requires you to set an amount limit. If the statement balance is over the amount limit the auto-pay will not pay off any of the balance until you log in to your account. 

I logged in to my account and saw that my balance was much higher than it should be, {$810.00}. I discovered this was because my last statement balance was {$500.00}, over the {$500.00} limit I set, so it was never auto-payed, and then additional charges I made brought it up to {$810.00}. The credit card only has a {$500.00} credit limit, so it shouldn't have been able to go above the auto-pay limit in the first place. If I hadn't happened to log in to my account at the right time, I would have assumed auto-pay was working and missed a credit card payment. 

This system seems designed to lure unsuspecting customers into missing payments and accruing interest. By forcing you to set up an auto-pay limit and also allowing you to go above the credit limit on you card, they lull you into a false sense of security that your autopay will always go through as planned when in fact it won't.

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 2021-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Called into Nelnet after a primary wage earner layoff in XXXX to discuss Covid forbearance options? Was told all loans were in forbearance and to not worry. Now a year later we called to check in. And were told our loans were not in forbearance and Nelnet has accrued {$2000.00} in interest on the account. No paper records were sent out to notify us that we did not qualify for forbearance because our payment schedule was advanced because we had been paying ahead. No paper documents were sent out to notify us of this nor notifying us that we had to apply for forbearance because our loans were prior to XXXX. Nelnet stated they called but left no messages, no paper documents were sent. We are very disgusted with this business practice. Looking for other individuals who also had this happen to them. Looking to band together For class action lawsuit. Email

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CORELOGIC INC
State: MN

Complaint narrative:
I am a victim of identity theft. All of the information and accounts currently listed on my Core Logic Teletrack Consumer report is fraudulent accounts and information. The accounts or information is not my accounts or information. I was just released from XXXX. I was XXXX for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, DOB : XXXX, SSN : 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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have sent certified letters to dispute inaccurate information reporting to my credit report. The credit bureaus continue to ignore my request to remove this record and states that the account meets FCRA requirements, however, will not supply information as to how they are verifying this public record. I have contacted the bankruptcy courts who have confirmed that they do not verify any information with he credit bureaus. This is reporting in error and could be a case of mistaken identity.

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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have sent certified letters to dispute inaccurate information reporting to my credit report. The credit bureaus continue to ignore my request to remove this record and states that the account meets FCRA requirements, however, will not supply information as to how they are verifying this public record. I have contacted the bankruptcy courts who have confirmed that they do not verify any information with he credit bureaus. This is reporting in error and could be a case of mistaken identity.

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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I used the US Postal Service to send all three credit bureaus ( XXXX, Equifax and XXXX ) letters informing them that they are reporting inaccurate/false information on my credit report. I requested that they verify these inquires and if they do not find any legal proof that I authorized these inquires to please remove them from my credit report. I requested a 30 day response. I never received a 30 day written response back from any of these reporting agencies. On XX/XX/XXXX I sent an follow-up letter again informing these agencies of this false and inaccurate information they continue to report on my credit report. Again, I requested a full investigation and proof be sent to me that I had authorized these inquires. I still have not heard anything back from these agencies and that are still reporting this false information. I have included proof of the letter I sent on XX/XX/XXXX and XX/XX/XXXX. I also attached the letter had notarized on XX/XX/XXXX requesting these items to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm was refunded money from XXXX  back on XX/XX/23. They allegedly tried to refund the money to my bank acct but claimed it failed ( um yea ok ). Then it took them 17 days to issue a check sent to a wrong address and now they are saying it will be another 2 weeks to reissue to my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have filed disputes. Because Equifax has the outdated XXXX XXXX, I can't open the dispute letter results because the updated XXXX XXXX sees their pdf as corrupted. My daughter 's credit inquiry for a new car she purchased remains on my credit reports as an inquiry. They have not investigated or asked the banks whose name was on the inquiry. They will not even look at the information submitted. They will not do anything to get this matter corrected. My daughters information is now on my credit report. I can not provide information that I do not have for a car that I did not apply for as proof. How am I supposed to provide something that does not exist. All they had to do was look to see that the name did not match the social security number. The car company has acknowledged their mistake and is having the same problems working to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: TX

Complaint narrative:
On ( DATE OF COLLECTION REPORTED ON YOUR ACCOUNT/COLLECTION LETTER SENT TO YOU ). XXXX  XXXX, XXXX, and XXXX add a derogatory mark and has too many inaccuries on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's Creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature even it has no balance for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA XXXX XXXX, XXXX, and XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have excellent credit, a job and was looking to reduce the number of years on my mortgage. So as a long time banking customer of Chase, I applied for a refi with Chase 3 months ago. All documents are in order yet everytime we are up for a closing they come up with a stall tactic. It really seems like a scam as they took XXXX non refundable if i back out. Its almost like they want me to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/2021, I paid off my mortgage with old servicer XXXX  XXXX XXXX. 

On XX/XX/2021, servicing of my mortgage was transferred from old servicer XXXX  XXXX XXXX to new servicer NewRez LLC, even though my mortgage was already paid off. 

On XX/XX/2021, NewRez emailed me saying I had not paid my mortgage. I called NewRez and explained to the NewRez representative that I paid off the mortgage with old servicer The XXXX XXXX before the mortgage was transferred to NewRez. The NewRez representative asked me to fax NewRez at XXXX with documents showing the mortgage was paid off with old servicer The XXXX XXXX. 

I sent a fax to NewRez at XXXX on XX/XX/2021, with a printout from XXXX XXXX XXXX  showing mortgage payoff on XX/XX/2021, and with an escrow refund check from XXXX  XXXX XXXX dated XX/XX/2021. 

I sent a fax to NewRez at XXXX on XX/XX/2021, with a letter from XXXX XXXX XXXX showing satisfaction and full reconveyance of the Deed of Trust. 

On XX/XX/2021, NewRez called me saying I had not paid my mortgage. I explained to the NewRez representative that I called on XX/XX/2021, and sent faxes on XX/XX/XXXX and XX/XX/XXXX, showing that I paid off the mortgage with old servicer XXXX XXXX XXXX before the mortgage was transferred to NewRez. The NewRez representative verified in NewRez 's system that I had called on XX/XX/2021, but told me that the previous NewRez representative had given me an incorrect fax number XXXX. The NewRez representative told me that the correct fax number is XXXX, and asked me to fax the documents showing the mortgage was paid off with old servicer XXXX  XXXX XXXX. 

I sent 2 faxes to NewRez at XXXX on XX/XX/2021, with a printout from XXXX XXXX XXXX showing mortgage payoff on XX/XX/2021, with an escrow refund check from The Money Source dated XX/XX/2021, and with a letter from The Money Source showing satisfaction and full reconveyance of the Deed of Trust. 

On XX/XX/2021, NewRez emailed me thanking me for contacting NewRez, saying I had not paid my mortgage, and asking me to fax documents showing the mortgage was paid. 

On XX/XX/2021, NewRez mailed me a letter saying NewRez would report nonpayment of my mortgage to credit agencies starting XX/XX/2021. 

As servicing was transferred to NewRez on XX/XX/2021, and NewRez began negative reporting of my mortgage to credit agencies starting XX/XX/2021, NewRez is in violation of servicing transfer regulations which prohibit negative reporting to credit agencies within 60 days of the mortgage transfer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal closed my account with XXXX for no reason an will not help me with getting it back up and Im am not sure if this is some mistake I assume it has to be I have not been able to get no help from them an it has been months but I just remembered I could file a report on here as I feel they are not doing there job properly and it is affecting me a great bit my email linked to the account is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal has permanently limited my account for no reason and did not give me an explanation whatsoever. Along with thousands of other sellers on an online marketplace known as XXXX XXXX, a PayPal account must be used to compete transactions with regards to both buyer and seller safety. I have never interfered negatively with XXXX acceptable use policy and have records to prove my transactions, shipping labels, proof of delivery, and genuine reviews from my buyers. After contacting PayPal regarding my situation, they failed to help me and instead gave me a very vague response, not answering what I really asked. My PayPal account is associated with my email, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: AZ

Complaint narrative:
Citibank closed my credit card account XX/XX/XXXX for " inactivity. '' I've had this account since XXXX, it has a {$0.00} balance, and helps my credit score. The company never told me I was in danger of having it closed -- they just closed it and notified me. This is wrong. I should have the opportunity to use the card if I know that it's in danger of being closed. 

I recently took out some loans to buy a condo and a tiny home rental, so these loans are backed by real assets. My credit score is still very good. The company should have at least contacted me. Instead, they arbitrarily canceled my card. Where am I going to get a new card with such long history?

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 2021-06-29 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on XXXX  in place of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MN

Complaint narrative:
The following credit inquiries listed on my Trans Union, XXXX and XXXX  credit report are all fraudulent credit inquiries and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, Way Mc, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX  XXXX, XX/XX/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 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was wanting to know if I would be receiving my stimulus check to my cash app card? I just now ordered and ask for a new one the text message told me the check is on the way so do that mean it automatically goes to my card?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Selene Finance refused to modify my loan or worked a payment plan with me after the foreberance I summited all the proper documents for the loan modification and I even asked to resumed my regular payment and put the Miss payments in the back loan they refused now they want to foreclosed my home after 19 years of hard work as a single mom please I don't want to lost my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MD

Complaint narrative:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation