vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have two complaints relating to BofA : 1. A Cashier check fee charged on XX/XX/XXXX for {$15.00} on my business account ending in XXXX. I should have free cashiers check yet a {$15.00} fee was charged. I'm requesting a {$15.00} credit as I should have free cashiers check. 

2. I paid off my auto loan first quarter of this year and have yet to receive any type of payoff or lien release for the vehicle. I can not sell or trade in my vehicle. I purchased another vehicle and was unable to trade in my XXXX XXXX XXXX weekend. This is an unfair practice that it would take 6 months to get a lien release? I want this lien release overnighted to me as soon as possible so I can sell my vehicle. 

XXXX XXXX XXXX Please have Bank of America provide a written mailed response to my home address on both of these issues.

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 2021-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Starting XXXX XXXX  i ordered a toaster oven on amazon and returned it. they received it and shows that a credit is due and never got credited. i used my amazon credit card/synchrony bank and still not credited on either account amazon or synchrony. i have called, emailed, mailed, filed a dispute, gone online many times since XXXX, XXXX  to date and have been liied to over and over that it has been credited/fixed and nothing has been done. i paid all but the XXXX and closed the account, but still technically open and they keep charging me fees and interest totaling up to XXXX now. when an item is being disputed they can NOT keep charging interest and fees, its illegal. i have ran out of all sources and ideas in which to get this resolved. 
im a lender and i have many of my customers that also have the same issues with amazon and synchrony.

i have reported this to the XXXX  as well.

i have excellent credit and ill be XXXX  if it gets tarnished or sent to collections when i have proof it was returned and not credited, it shows it right on my amazon account, i have submitted so much proof and calls.

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 2021-09-17 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: MS

Complaint narrative:
I just looked up my credit report and saw many fraudulent accounts that I wasn't aware of.

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 2021-09-17 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
I have sent 3 checks to American Express Card from XXXX Check Sent XXXX Amount {$1500.00} Cleared on XXXX Check Sent XXXX Amount {$1500.00} Cleared on XXXX Check Sent XXXX Amount {$1500.00} Cleared on XXXX All Checks sent to pay American Express Card ending in XXXX XXXX has sent me Proof Of Payment, and I have sent it to American Express American Express says they can not find/identify my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have a debt from XXXX XXXX XXXX  about a credit card that I never opened. The debt collection agency directed me to this website. The account was opened without my consent. I split up with my ex wife in XXXX of XXXX the account was opened sometime in XXXX using that address where I was living with her. I have never opened anything with XXXX XXXX XXXX  until XX/XX/XXXX when I went for a car loan and dealership checked if XXXX XXXX would offer me a loan. I was denied the loan because they said I have deliquent accounts with them but I never had any account with them. Next thing I notice on my credit report is Portfolio Recovery in debt collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 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: FL

Complaint narrative:
I have been to www.experian.com several times during XX/XX/2021. There is no way to dispute their report that I am using % 40 of my credit. I called to discuss this with them on XX/XX/2021. I called several times and I keep getting transferred and disconnected. The problem they can not understand or explain is why all my creditors have reported paid in full, no late payments, and several closed accounts, Experian still cites % 40 usage as the reason for my low credit score.

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 2021-09-17 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: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXBalance {$480.00} XXXX XXXX-Balance {$6400.00} XXXX  XXXXBalance {$13000.00} XXXX XXXX-Balance {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
I am aware that I was violate too many times. As a natural person who is federally protected. I am notifying you that your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such : 15 USC 1692 C ILLEGAL TO COMMUNICATE, 15 USC 1692 Abusive practices of debt collections they can not invade my privacy and only I deem what is private to me and 15 USC 1692 G validation of debts you do not have permission to say I owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: OH

Complaint narrative:
Last year I applied for a " re-approved '' XXXX XXXX, which was denied with little explanation. I got my credit reports from the three major agencies and the only credit problem was a three-year-old alleged debt to a company named XXXX Department Stores, which alleged I opened the account on XX/XX/19 and have had a balance of {$34.00} ever since. I have no record, nor memory of this. If this company ever sent a bill, I did not get it. I do not have nor have I had any XXXX XXXX card except my current one, which I have had 20 years with a near impecible payment history. I disputed this with TransUnion. Their " resolution '' was XXXX Department Store charged off the {$34.00}, and TransUnion report now shows the debt as " charged off. '' When I inquired about re-financing my house I was told my credit report would increase the interest rate from 2.8 to nearly four percent. I then applied for an XXXX Credit card to see what effect this had, I was again denied. The photos of the attached email lists the reasons. None of these reasons are true so far as I can tell but are too vague to know what they mean. I pay off all my credit cards in full every month, and my only other debt is for a home equity line of credit from 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 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
Good Afternoon. First and foremost, I, XXXX XXXX XXXX, is filing this complaint. ERC Collections sent a letter to my parents home in XXXX, XXXX First and foremost, I haven't lived in XXXX since College, which was XXXX. Secondly, I have never had an account with XXXX. I am requesting that they cease communication and that they remove this account from my credit immediately. I will sue if they keep this on my credit. I have submitted an identity theft report from the police station and from idtheft.gov. They have contacted me twice and I do not owe anything. Now they are reaching out to people that they think are associated with me. I am a victim of identity theft and I am requesting help with this issue immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Hello, Thanks for taking this time to review my request. I have a family of XXXX and usually to prevent any issues with shelter expenses we pay our mortgage upfront with our tax refund. We did so for XXXX in hopes that this year would be a normal year. Then Covid Struck and both my husband and I had to collect unemployment. We applied for a forbearance that would have applied from XX/XX/XXXX - XX/XX/XXXX. We also applied for the first 90 extension which is bringing us through XX/XX/XXXX. We continue to receive letters and call from the mortgage servicer that are quite scarey. We have requested our final 90 days which will put us to tax return time since we are in debt up to our eye balls currently as anyone can imagine. However, the mortgage servicer is reporting that we have exhausted our forbearance allowance under the CARES act. However, that isn't the case. Each time I would contact Customer care Here is the verbiage about our request : Forbearance Plan Terms You are entitled to a forbearance for up to 180 days. As part of your Forbearance Plan, we have temporarily paused your monthly mortgage payment amount of {$790.00} for 360 days, the forbearance term you selected. Your forbearance is effective starting XX/XX/XXXX and will expire on XX/XX/XXXX. During this time, you do not need to make any mortgage payments. You may shorten the Forbearance Plan at any time to reduce the amount of payments which are being paused. Additionally, you may request an extension of your forbearance for up to an additional 180 days.

Your account will not be assessed late fees or penalties during the term of the Forbearance Plan. If your loan was current at the time of entering into this Forbearance Plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current. If, however, your loan was delinquent prior to entering into the Forbearance Plan, we will maintain that delinquency status during the term of the Forbearance Plan. If you are able to bring the loan current during the Forbearance Plan, we will report the account as current. The terms of your mortgage remain unchanged.

If you have questions about the terms of your Forbearance Plan, please contact us at XXXX. 


The mortgage services information is as followed : In order to assist you, LoanCare has assigned a Mortgage Resolution Advocate to your loan. 
The Mortgage Resolution contact information is listed below : Mortgage Resolution Advocate : XXXX XXXX Phone Number : XXXX Extension : XXXX Email : XXXX Fax Number for submission of documentation : XXXX I have been placed on hold for 30 minute increments at a time then line disconnects. The treatment has been completely horrible. I would ask for a manager and was told one would call me back and not receive a call.

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 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a debt from Capital One Bank about a credit card that I never opened. The debt collection agency directed me to this website. The account was opened without my consent. I split up with my ex wife in XXXX of XXXX the account was opened sometime in XXXX using that address where I was living with her. I have never opened anything with Capital One Bank  until XX/XX/XXXX when I went for a car loan and dealership checked if Capital One would offer me a loan. I was denied the loan because they said I have deliquent accounts with them but I never had any account with them. Next thing I notice on my credit report is XXXX XXXX in debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A Debt collector is trying to make me pay on debt from XXXX. They said that Chase purchase the Providan Credit Card account, these people are using bully tactic asking for pre paid credit card mentioning my stimulus check and unemployment check, I think Its a scam but they using their skills to try to take money from me. They said that their attorney will press charges on me. Here is the phone number XXXX XXXX XXXX XXXX these are rude people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: HW Holding, Inc
State: FL

Complaint narrative:
I won an eviction case against the original creditor XXXX XXXX XXXX on XX/XX/2021 on XX/XX/2021 the oc  retaliated against me by reporting the balance over to a debt collection company Hunter Warfield IncXXXX At the time I reported the debt collection attempt to the eviction attorney and also to the consumer protection agency and have an ongoing case ( XXXX ) with investigator XXXX XXXX and she has been great and has worked to get the issue somewhat resolved but while this is going on the oc is still aggressively reporting me to collections and on my credit report opposite of what they are saying in negotiations. This is causing a lot of undue stress mental health issues and financial hardships

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 2021-09-17 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: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I'M SUBMITTING THIS COMPLIANT ON BEHALF OF MYSELF AND MY WIFE BECAUSE OUR MORTGAGE IS NOT REPORTING TO OUR CREDIT REPORTS. WE CONTACTED XXXX XXXX AND THEY SAID THEY REPORT EVERY MONTH SO IT MUST BE THE CREDIT BUREAUS AT FAULT.

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 2021-09-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I'M SUBMITTING THIS COMPLIANT BECAUSE MY MORTGAGE IS NOT BEING REPORT TO THE CREDIT BUREAUS AND XXXX XXXX  STATED THEY HAVE BEEN REPORTING IT EVERY MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I was denied a consumer transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WI

Complaint narrative:
On XX/XX/XXXX, I attempted to make a scheduled payment for my student loans with Fedloans. When I spoke to the representative, she said since my payment wouldnt file until after the loan forbearance took effect, that I wasnt responsible for my XXXX payment. Therefore, I canceled my payment. 

However, when I logged into my account in XX/XX/XXXX, it showed that I was behind on a payment. I called and spoke with another representative, she said that if I made the payment then, it would count towards my XXXX payment. Therefore, I made a payment of {$570.00} on XX/XX/XXXX as instructed to count for my XXXX of XXXX payment. 

When I submitted my next employment certification form XX/XX/XXXX, they did not count my XXXX payment as a qualified payment. I had called and spoken to another representative and she said she would submit a request to have that payment reviewed. I had not heard anything for a month and so I called again and they said it was still under review. 3 months later, I called again, and they said once again, it was still under review. 

After over a year of not hearing anything, I decided to submit another employee certification form on XX/XX/XXXX, and they still stated that the XX/XX/XXXX payment did not count as a certified payment. 

I called and spoke to a representative and she said she did not see any claim being reviewed for my XXXX payment to count as a qualified payment and said she would submit the claim. Its now been over a month and I still have not heard anything. 

I have continued to speak with several representatives and have been given false information numerous times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Lexis Nexis is reporting an unsafe driving violation when I did not even have a license. My insurance premium is now double because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I'M SUBMITTING THIS COMPLIANT BECAUSE MY MORTGAGE IS NOT BEING REPORT TO THE CREDIT BUREAUS AND XXXX XXXX  STATED THEY HAVE BEEN REPORTING IT EVERY 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 non-monetary relief