vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I went to XXXX University from XXXX and had student loans for tuition through XXXX, serviced by XXXX XXXX XXXX XXXX   from XXXX through XXXX. In summer XXXX ( XX/XX/XXXX ), XXXX switched servicers from XXXX XXXX to XXXX XXXX XXXX. At that moment in time all student loans ( different years / semesters ) were paid on time and paid ahead. All payments from XXXX to XXXX were made on time and for an amount above the minimum payment required resulting in paid ahead balances. XXXX had different privacy policies than XXXX XXXX that I was not familiar with. In the communication from XXXX, I was told my accounts, login ID, passwords would not change. And that was true. I continued to login with the same ID and password and make the same monthly payment as had been for the past 10 years. In XXXXXX/XX/XXXX, XXXX reached out saying I did not make a payment on my student loan. I checked my bank account and money transferred from my bank account to XXXX for the same amount as had been for the past 10.5 years. XXXX / XXXX reported this to the Credit Agencies taking my Credit Score from just above XXXX down to about XXXX   Eventually, XXXX and I were able to determine that XXXX had different privacy settings than XXXX XXXX and that had led to the payments ( {$600.00} per month for 10.5 years ) to not be applied in the same manner than XXXX XXXX had applied them. This caused one of the loans to not be receiving part of that {$600.00} payment. The remainder of the {$600.00} payment I continued to make was being applied to paid ahead balances on the other loans while letting this one loan go into default. Through all of my communication with XXXX they agreed they were in error and would fix this. However, it was never done. I was continually spun in circles. It was eventually escalated to XXXX executive offices ( XXXX ) who did a review and said that I never made a payment on that loan and therefore it was in default. Subsequently, the following month I made the same {$600.00} payment and the {$850.00} balance of the loan went to {$0.00}. XXXX moved paid ahead balances from other loans to that loan to pay it off and then close it. I did not request XXXX to do that action. When I followed up with XXXX to ask how that happened the service representative was not able to explain how it happened and said that it shouldn't have. If XXXX had that capability then why would they have not done it before putting the loan into delinquency. I have been in communication with XXXX and XXXX for the past three ( 3 ) months and have continued to just be spun in circles. I don't know where to turn to at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TN

Complaint narrative:
Afni, Inc has placed a collection on my credit profile claiming that I owe {$76.00} to XXXX. I have NEVER had an XXXX  account. I've mailed letters to this company TWICE and have not received one single reply. This company is tarnishing my credit worthiness for no apparent reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX RE : Citi Visa - Costco Visa Dispute Department XXXX. XXXX  XXXX XXXX XXXX, South Dakota XXXX RE : TWO TRANSACTIONS - TWO DISPUTES The merchant, XXXX XXXX said they refunded the entire amount due to the pandemic - NO MONEY HAS POSTED. 


I bought three airline tickets from XXXX XXXX - two separate purchases charged on my VISA Costs card One purchase : Reservation # XXXX - Two tickets for : {$1100.00} - purchased on XX/XX/XXXX for XXXX and XXXX Second purchase : Reservation # XXXX - One ticket for : {$770.00} - purchased on XX/XX/XXXX for XXXX -- ( and an XXXX  / no charge ) XXXX XXXX  SAID they refunded my money due to the Pandemic and gave me documentation. Citi Visa said they did not issue the money. 

XXXX said they refunded {$770.00} on XX/XX/XXXX - XXXX Reference Number : XXXX XXXX said they refunded {$1100.00} on XX/XX/XXXX - XXXX Reference Number : XXXX I have not received any money refunded / no money credited back to credit card. 

I am DISPUTING both charges. XXXX XXXX said they refunded the money. 
Citi Costco Visa says they did not. 

*Included is a copy of my credit card charges with the TWO disputed charges circled. 
*Included are emails from XXXX stating that they refunded my money. 

Please resolve this immediately and notify me at 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 2020-07-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
The underwriting department did not know what they are doing and they are very sloppy and unorganized. They are very inefficient, always asked the same information twice. First they gave the excuse of waiting on revised appraisal. they received the appraisal XX/XX/XXXX then asked for my HOA insurance policy, I got it for them the same day then said waiting for Title clearance. Why don't they check all of that as soon as they received my application XX/XX/XXXX. The loan was closed XX/XX/XXXX, it took almost 2 months that is too long, The last, not the least they paid {$150.00} expedite fee for HOA statement out of my pocket without my consent. There is no reason for it and there is no rush for it at all. 


I files the above complaint with them, received a reply to aske me to call their care team, They do not even have such a team, My call was transfer to XXXX and he said would get back to me no later than toldy XX/XX/XXXX, but he did not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Financial Services is reporting a {$1400.00} on my XXXX Toyota Financial Service lease account. The account number is XXXX with Toyota Financial Services. 

Toyota Financial Services has sold the balance to XXXX XXXX which is a debt collection agency. XXXX XXXX has reported a debt collection on my credit files with XXXX, XXXX  & XXXX. The balance shows {$1400.00} I called Toyota Financial Services on XX/XX/XXXX and verified with XXXX ( representative ) that the account balance now shows a {$0.00} balance with Toyota Financial Services. The balance and collection activity has now transferred to XXXX XXXX. 

However, Toyota Financial Services continues to report the {$1400.00} balance on the Toyota Financial Services lease account on my credit report with XXXX, XXXX, & XXXX. 

Toyota Financial Services needs to update the balance to {$0.00} with XXXX, XXXX, XXXX  since the debt has been transferred to XXXX XXXX. 

Currently, this is an FCRA violation as Toyota Financial Services is now reporting an incorrect balance since the debt has been transferred to XXXX XXXX. 

The balance should be updated to {$0.00} on the Toyota Financial Services lease account and should be updated on my credit report with XXXX, XXXX, and XXXX. 

I have attached the Toyota Financial Services lease account, on how it's being reported to XXXX, XXXX, & XXXX  with the incorrect balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX I notified Equifax of an invalid account on my credit file. The account is identified as XXXX XXXX. Under federal laws and FCRA guidelines section 609, I requested Equifax to investigate the account for validation and accuracy. Equifax exceeded the 30 investigation period therefore Equifax is in violation of FCRA section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX I had been using chase bank account ( jp morgen ) they suddenly close my acnt with knowing me they have sent mail why they close but as per they said I didnt do anything or illegal stuff for it they can find out if I did now almost 3 week I didnt get my money back I had over XXXX $ money I linked this account to my all credit card now I dont have any account so that credit card payment is overdraft now when I called them ( end of XXXX ) they said they gon na send my money within 5-7 business days now already 3 week one of my app ( XXXX XXXX XXXX ) I use to send to money for XXXX XXXX I had to pay them XXXX $ now they give my information to collecting services and credit cards overdraft and I asked whats the reason for close it they said this is chase bank policy but I didnt do any wrong I need big lawsuit because I got hurt lot

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: PNC Bank N.A.
State: PA

Complaint narrative:
I wished to link my bank account to a stock investing app, XXXX, and was not able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
PLEASE REFER TO THE PREVIOUS COMPLAINT # XXXX, AND RE-OPEN THE COMPLAINT AS THEY HAVE NOT RESOLVED THE ISSUE.

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 2020-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
XX/XX/XXXX I called for the 3rd time to see if someone would actually be able to help me this time around. My account has been opened since 2018. I am going on 2 years paying this loan in the amount of {$180.00} biweekly. Mind you this loan has a {$12.00} DAILY interest rate. So {$160.00} goes to interest and the remaining {$21.00} goes to my principle. I have made every payment. But now with all of this covid-19 going on my source of income is laying off a lot of people. This is my last week being employed. I called and advised them if there is a way they can work something out with me. I even offered to pay {$1700.00} that's more than half of the loan so it can finally be closed. But no they weren't able to help me with this. After 2 years of paying this loan I am sure I have paid the borrowed amount and a bunch of the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: GA

Complaint narrative:
In XXXX, my husband and I were applying for a home loan. I told the lady looking into it that my credit was already ran for a hard inquiry for XXXX   and she explained to me that it would not show up on my credit as a hard inquiry but it did and I would like to know what I need to do in order to remove this from my credit report. You will see two inquires as hard on XX/XX/XXXX. If I would have known that it would in fact show up as hard, I would have not let her run it because I already let XXXX run it and knew what I was working with.Both these items will be off my credit report on XX/XX/XXXX. But I would like to take care of this one earlier by credco if possible. 

Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Unable to link to XXXX for multiple months. Pnc is either inadequate or unwilling to make my money accessible via 3rd party platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
In 2015, I purchased a used vehicle from XXXX XXXX in XXXX, MD and was trading in my old vehicle. XXXX XXXX had me sign two set of documents and they told me it was because they weren't sure which bank would take my loan. In actually, one set of documents had my trade on it and the other set didn't. A week after I purchased the vehicle, XXXX XXXX called me and said the bank wouldn't take the trade and I had to come get car, but also keep the vehicle I purchased. The documents I signed didn't have my trade on it. At that point, I couldn't pay both loans and called the bank to come get vehicle from dealer. The bank ( Regional Acceptance ) refused to come get vehicle, because they said I wasn't late or behind on payments. XXXX XXXX had vehicle delivered to my house and that is where the car sat until the bank came to pick up car two months later. Prior to that, I had never missed a payment or was I late. Now this vehicle is on my credit as a voluntary repossession and me owing {$23000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MN

Complaint narrative:
I had my stimulus check from the IRS deposited to my account, the company put a hold on my acct, I closed the acct upon their recommendation and they were going to send a check to the address on file. In 2 months I Ihavent received my check. Ive called the company several times and they just pass my call around to depts and the call ends by them claiming the check was sent. On follow up calls they admit never sending a check, this has happened several times over the course of at least 2 months, they are holding my government stimulus issued check in the amount of {$1200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has erroneously deleted an address that should be included, I had resided ( rented ) from calendar year XXXX to XXXX as follows : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX. 

I recall that error being done XXXX and XX/XX/XXXX when I was attempting to remove an address I could not recognize ( XXXX XXXX XXXX XXXX, CA XXXX ) that did not belong to me. Experian deleted erroneously a correct address XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, CA XXXX ) the XXXX address and it was not corrected, included back in my report as expected. It was revealed and noted during one of the communications ... 

I called recently, and I was told that they can not include any addresses that banks do not report. I found an Experian report I had kept from XX/XX/XXXX as a back up evidence that in my prior reports, the XXXX address Experian claims was never reported to them, was included and it was removed erroneously XX/XX/XXXX by an Experian employee in lieu of another address I had requested to be removed. 

Please add my address as shown above, to have an accurate report of list of addresses I have leased.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GreenSky, LLC
State: TX

Complaint narrative:
We have sent two separate letters by Certified Mail asking GreenSky requesting to Cease Further Communication. The first letter was sent XX/XX/20 and the second was sent XX/XX/20. They call my husband every single day. They call myself, they call my daughter 's boyfriend, they call my brother in law. It's gotten ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I called Great Lakes Educational Loan Services regarding my Stafford Loans. Following a graduate in-school deferment - which ended in XX/XX/XXXX, with payments starting XX/XX/XXXX - I chose a " standard '' plan that would repay loans at a total monthly payment of {$620.00} for 120 months. When the CARES Act forbearance went into effect, I had a balance of {$54000.00}. I continued to make payments during the forbearance period, I reduced the amount of repayment to {$46000.00}. The monthly payment was therefore reduced to {$510.00}, which was reflected as of XX/XX/XXXX. However, upon making another payment on XX/XX/XXXX, the monthly repayment had reverted back to {$620.00} an the terms of the loan had changed from 120 ( 117 if you count payments I made before forbearance ) to 92 months. 

Great Lakes said to check on XX/XX/XXXX -- after the forbearance expired to check for an updated account view because as of now, the portal is not reflecting accurate information and they are unable to do anything about the change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: GA

Complaint narrative:
I have accounts on my credit file thats due to fraud I contacted the credit breau and nothing hasnt been done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a call from " XXXX XXXX '' at Harvard Collection Services LLC claiming that I allegedly owe a debt to their client, XXXX XXXX XXXX XXXX for a purchase made under my name with XXXX  on XX/XX/XXXX in the amount of {$410.00}. During the call, I asked her for information about where the company 's office located, who she was employed by, and whether her client claimed that it owed the debt. She stated that Harvard had an office in Illinois but refused to provide any information on XXXX XXXX. She finally admitted that she was calling from XXXX. Ms. XXXX was nearly impossible to speak with because she continuously spoke over me and then told me that under the law " I did not have the right to speak. '' I told her that I did indeed have the right to speak. Ms. XXXX asked me if I was " affirming the debt '' and " agreeing that I owed the debt. '' I advised Ms. XXXX that I did not have any record of such debt and that her actions were illegal under the FDCPA and the FCCPA because she was attempting to convince me into affirming a debt after I had advised that I disputed it and refused to acknowledge that the debt was not legally enforceable under Florida 's statute of limitations, Fla. Stat. 95.11 ( 5 year statute of limitations on debts based on written contracts and 4 year statute of limitations on debts based on oral agreements ). At this point she became enraged and insisted that her company " followed all the rules '' and that " I owed the money and should just pay the debt. '' When I attempted to explain how the statute of limitations works, she refused to listen to me and transferred me to her supervisor, " XXXX XXXX. '' Mr. XXXX reacted likewise when I advised him that I disputed the debt and that I believed his scheme was an attempt to trick consumers into affirming a legally unenforceable debt and restart the statute of limitations. He represented to me that he knew how everything worked with Florida 's statute of limitations and that I knew nothing and that I should not speak on the subject. Like Ms. XXXX, he became enraged and started to make abusive comments when provided him with a citation to the statute. I requested that Harvard Collections stop calling me. I do not have any written communication from either Harvard Collections or XXXX XXXX in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
TD Bank revolving account on my credit file ( XXXX ) shows as negative for the mo and year of XX/XX/20 and under bankruptcy petition. Bankruptcy XXXX ( XXXX district of MO ) discharged XX/XX/20. Numerous disputes, nothing changes. After automatic stay this lender also has sent me collection statements more than once.

Company response to consumer: Closed with non-monetary relief