vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
check XXXX amount XXXX ( overpayment ) My name is XXXX XXXX I received this check on XX/XX/21. 
The check is for overpayment of a vehicle. 
The problem is I am unable to cash this check, my so. XXXX is in the XXXX unable to travel. I live in Connecticut. The check is written XXXX XXXX and XXXX XXXX. Because XXXX is not able to be there in person I asked if XXXX could send info stating that I can have the check placed in my name only to make it easier to cash. I was told XXXX had to give me power of attorney to do this. He is not giving anyone that right I called XXXX to have the check reissued as is. I had signed the check I was told it would take 10 days to make sure the check had not been .cashed, that was 2 weeks ago. I called today XX/XX/21 I was placed on hold for 25 min after asking fora supervisor and then sent to voice-mail. This is unacceptable, and the end results I will still not be able to cash this check. Please help, I have called this company several times and they did not ask for XXXX info when I was making the payments. I understand that the contract has both names, but the did not try to accommodate for him being on the military. 
Thank you in advance 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 explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I have yet to receive my remaining escrow balance after closing on XX/XX/2020. The balance in question is XXXX. I think this company should be investigated for not paying out escrows to customers since I havent received mine and had to call them to have them send again.

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Equifax advised me ( through CFPB via my 1st complaint ) that they had finished checking my credit report and had sent me an updated report on XX/XX/21. It's been almost 3 months and I've still not received anything from them. Additional requests to Equifax for my credit report brought no results either. They lied to CFPB in their " Company 's Response '', and they have not responded to my further requests at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: UT

Complaint narrative:
I leased the vehicle from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. By XXXX I had not received anything in the mail about the lease so I called Honda finance. They said they had no record of me leasing a vehicle & referred me to the dealership. I went in & the dealership apologized stating it can take at least 30 days for them to process the paperwork. They redid my lease to waive part of the fee on a care package for my I convince & had me make my 2nd payment there that day to assure me it wouldnt be late. Now I finally get a letter from Honda finance & they are stating I am past due & have charged me a fee for late payment. I called Honda on XX/XX/XXXX & they said they never received the payment from the dealership & there is nothing they can do & referred me back to the dealership. I am now back at the dealership today on XXXX which is the first chance I could take off from work. It is still unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recently spoke to a member at Capital One XXXXemployee id XXXX, who was great to me honesty, he said he would happily remove the listed inquiries from my report and they will be off my report within 24 hours, ,1st inquiry -date XX/XX/ Apllication number-XXXX,, Inquiry number 2- date XXXXapplication number-XXXX for unauthorized and incorrect inquires that NEED TO BE REMOVED INSTABwere not approved by me or made by me .Agent told me he would remove thinquiries with no problem and it would refelct by the calender day, but this, is now month two AND THE NEGATIVE ACCOINTS REMAINS ON MY REPORT EVEVEN AFTER THE CONFIRMATION THAT I PREVIOUSLY REACHED OUT TO CREDITOR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OZK
State: NC

Complaint narrative:
In XXXX of this year, I opened a personal checking account with Bank OZK. At that time, I made clear, and bank records show, I made the declaration to refuse Bank OZK 's overdraft protection. Not much later, I opened a business checking account with Bank OZK and ALSO refused the overdraft program. 
Months later, I receive a notice in the mail " Congratulations! '' you have been approved for a {$500.00} overdraft protection. And then the same letter came for my business account. I call multiply times, but was told call times were really long because of covid. I spent a lot of time trying to opt-OUT of this program. 

At one point, I had the perfect storm of client 's failing to deliver checks and XXXX would not disburse my funds quickly enough to cover. So my account began being drained by the cycle of overcharge- overcharge fee- draining my account. 

Effectively, Bank OZK was " helping me out '' despite my declaration to the contrary, by " granting me {$500.00} of overdraft protection '', and they then stole nearly {$300.00} from my account. 

These types of issues have been litigated and these programs have been found illegal, unless the withdrawal was a scheduled one. 

I have given bank OZK plenty of opportunity to do what is right here and XXXX XXXX at their XXXX, NC office has been impossible. 

I started my business a month before Covid hit and I knew it would be hard, but I didn't expect to have to fight my own bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a complaint ( # XXXX ) with the CFPB regarding WELLS FARGO on XX/XX/XXXX. On XX/XX/XXXX the company responded to my complaint but did not include any of the documents asked for in the request for debt validation in the debt validation letter inside the files sent. Also there is still an unrebutted affidavit of truth stating all federal FDCPA laws broken by this company through the use of illegal debt collection practices. I also attached inside a schedule of fees to go along with those violation broken by the company. I will resend all those documents. The company also received all these documents certified mail, which means I should be receiving a return receipt which I have not received yet.

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 2021-09-08 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: DISCOVER BANK
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 


2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX I tried to recover my credit report. I was told I could not have access to it because I had no address on my credit so I needed to identify myself so I sent in my drivers license, social security card, and a bank statement via upload. Had no response. I began to repay my credit in hopes of purchasing my first home in XXXX XXXX Experian said I needed to resend the documents to identify myself again. I sent it via mail overnight with tracking so I could know when it was delivered. I waited the 3 days until I called again they said it was being worked on. XXXX XXXX I called to check my status and they said they never received my documents and by that time my mortgage company tried to pull it 3 time with no success. They said they couldnt give them access because my account was still missing address. My tracking on the letter said it was delivered on XXXX XXXX. I called back on XXXX XXXX and they said they didnt see my documents and I was basically at the mercy of Experian as to whenever they decide to upload my documents. I explained that I have been trying to access it for a year at this point sending 4 sets of document to Experian and nothing was ever added to my credit report. I am still waiting for my report to be released so the mortgage company can gain access to my report before I close on a home. If my mortgage company is unable to pull my report I will not be able to purchase a home. I am an XXXX American woman that has done all the things I need to do to improve my credit and identify myself. I have no other options at this time. I will loose the opportunity to buy my first home unless my credit report is corrected and released to the mortgage company and myself.

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 2021-09-08 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: NM

Complaint narrative:
Inaccurate and fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: AL

Complaint narrative:
I received my annual escrow account disclosure statement XXXX XX/XX/2021. The statement reported that I had a surplus of {$470.00}. It stated that they would be sending me a check for the surplus. I never received a check and it is still showing in my escrow. On XXXX I contacted them via phone and received a callback. When I asked them about the statement and the check, she said that since it was so long ago that she would have to check to see if they would still be sending me a check and that she would send an email to that department. When I told her the surplus was still showing in my account she stated that she would still have to send the email. I asked how I was supposed to know what the answer was and she just stated that she would keep an eye on my account. 

**Another issue is that this company canceled my escrow for my homeowners insurance. I asked her why and she stated that they could do that if they wanted to. I asked her to please send me something showing that they could do that and she stated that I would have to submit something in writing to them in order to receive something in writing from them. I made a previous complaint on this company regarding their failure to pay my taxes and insurance. I believe they canceled my escrow due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My payment was due on XXXX. It had been mailed a week in advance. On XXXX Wells Fargo emailed me and said a payment had not been received as of the due date. I assumed my payment was lost in the mail, so I immediately did a bank transfer. The next day the Wells Fargo web site shows my original payment had been credited on XXXX, the day before the email had been sent. My second payment was credited the day it was sent on XXXX. Now Wells Fargo is telling me it will be returned in 11 business days. 1 ) Why was the email ever sent on the fifth if payment was received and credited on the 4th? I am not their only customer, so how many others did what I did? 2 ) Why does it take 11 business days for Wells Fargo to return an erroneously solicited second payment when it takes me less than two minutes? This is ridiculous. The program could easily and simply check to see if a payment has been made just before an email is sent, not the day before, and Wells Fargo can certainly schedule a just refund as quickly as I can. Wells Fargo still has not learned anything about customer value.

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 2021-09-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} The following accounts are claiming to both own the same debt, with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the information in which a company has passed to you. I only had one account with this company. Please delete immediately. 

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 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Complainant previously filed a complaint that was responded on XX/XX/2021. The compny 's policy of " any one over the age of XXXX has to be screened and added to the Lease Agreement '' has nothing to do with the duration of how long a guest can stay in the apartment. The company 's reponse is evasive and not acceptable. The company should admit it committed fraud.

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 2021-09-08 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: PA

Complaint narrative:
This is XXXX 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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS ACCOUNT IS NEED TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance {$100.00} Opened Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I need to apply to stop payment temporarily because of loss of income. I filled out and submitted an application and they do not acknowledge that I can not make payments as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UPGRADE, INC.
State: VA

Complaint narrative:
On XX/XX/2021, I discovered two fraudulent charges on my credit card account. One charge was for $ XXXX, and the other charge was for {$420.00}. I spoke with the credit card company, Upgrade ( Visa account ). I wrote three separate emails, to the company over the past week plus ( 8 days ). I spoke with numerous representatives to resolve. The card was suspended, and a new one is being issued. I have yet to speak with their Fraud representative. I am put on hold for hours, having to hang up, after never being connected. These fraudulent charges are still appearing on my account, and this is hurting my credit rating. 

The last I spoke with a representative, they said the that other charges were attempted on my card. 

The credit card company is not taking action on this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I received a package of new checks today, XX/XX/2021. Someone used my address and name to open and TD Bank checking account. The phone number used is XXXX. I do not have ANY account with TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I sent out a letter to all three credit bureaus to have the debt from Phoenix Financial Services, LLC to be verified. I do not know where the debt is from, and I understand i have the right to have any debt reported verified. I did receive this letter dated XX/XX/2021 from them stating the were unable to obtain the verification, and will remove it from the credit bureaus and from my credit report. I don't know where this debt is from, and how do I know it is mine?! However, it is still reporting, and till this day the debt has not been verified. I tried to follow up on this, and the only response I'm getting is from collection companies trying to get me to pay them. I don't know where this is from, and it it misleading. This is causing me so much XXXX, and XXXX. Please help me get this resolved. they said they couldn't validate the debt, so how can they still try to collect this debt. Please help me get them to stop trying to charge me something they cant verify is mine, and please help me get them to remove it from my credit as they stated they would. thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
AD ASTRA RECOVERY SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has been sending me collection notices in the about of {$510.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Self Financial Inc.
State: CA

Complaint narrative:
I opened a Self.inc credit account on or about XX/XX/2020, self.inc helps you to establish a loan for yourself, and build up your credit score. So the terms were that every month I would make two payments one of {$15.00}, and the other one of {$35.00}. I invested a total of {$720.00} with self.inc towards my future investment, and every month that they deducted {$35.00} from my XXXX XXXX checkings account ending in XXXX, they would mail me a check from my account to them, so they would have me mail it to them, after some time they no longer wanted the checks to be mailed they wanted you to pay them with it online somehow. Before you know it they close my account and I was not even late with my payment. I tried to reason with them by email to XXXX they were not in compliance under any circumstances. Completely self centered and rude.

Company response to consumer: Closed with explanation