vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 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: PA

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 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress 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 2022-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: OH

Complaint narrative:
I resolved a debt with my XXXX XXXX XXXX XXXX XXXX XXXX with XXXX. I attempted to contact XXXX XXXX XXXX directly regarding the issue but the call was disconnected and I did not hear back from them. 

I began to receive calls from AFNI. On XX/XX/XXXX, I spoke with a representative and informed him that I had a letter from XXXX advising that the debt was paid. The collections agent told me that XXXX must not have told XXXX XXXX XXXX that the debt was not paid and it was transferred to AFNI, and that they had another situation like that with XXXX  just before contacting me. They provided me with an email address to email me the letter to and that they would send it to XXXX XXXX XXXX and clear the debt. The email address is XXXX On XX/XX/XXXX - XXXX from AFNI called me to collect the debt, and I explained to him that I sent the letter. He apologized and asked for me to resend it. I did so, and did not hear back. 

On XXXX- I received a call from AFNI again and the gentleman was very aggressive and abrasive. He told me that I owed the debt, and I attempted to explain that the debt was paid. He told me that the debt was not paid and that I owe the money. I told him that I sent two emails per AFNI 's instructions and he told me that I did not. I am providing proof of the emails attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I made an overpayment to my Bank of America Account. The amount was supposed to be {$2000.00} but i made it for {$20000.00}. I tried to stop this payment when i realized the mistake and was told by Bank of America that i could not stop it and had to wait until the payment cleared and then request a credit. My account was adjusted ( debited ) on XX/XX/XXXX for a credit back to my original form of payment, and I still do not have this money back into my XXXX XXXX XXXX. 

I have been following up on this every day since XX/XX/XXXX and being told many inconsistent policies by Customer Service and inconsistent dates for when I will have my credit back. 

I was originally told it would take between 5-7 days after I request the credit to receive the money back.

After the 7 days passed, I was told it was 30 days and was told no one should have ever told me 5-7 days. ( At this time i started documenting the days i was calling and what i was being told ). 
Then on XX/XX/XXXX I was told it would be about 2 weeks from that date. 
Then on XX/XX/XXXX I was told I would have it in my account on XX/XX/XXXX. 
Then on XX/XX/XXXX I was told I would have it on XX/XX/XXXX. 
Then on XX/XX/XXXX I was told it was pushed out for review again until XX/XX/XXXX. 
It seems like every time I called it was being pushed out, at least that's what I kept being told. 

I finally reached out to the Corporate team after that and it is now XX/XX/XXXX and I still do not have my money and no one can give me a concrete answer of where my money is and why it has not been credited back to my original account. All I keep being told now is that it is being reviewed by the review department, but no one can contact that department and see exactly where the hold up is. I am beyond outraged that my money is being reviewed for some reason for a decision on wether I am getting it back or not? 

I am beyond stressed and upset about how many phone calls I have had to make so far, calling every day, being on the phone for at least XXXX hour each time, sometimes with 3 Representatives per day and without any resolution. At this point I feel that I am being lied to by everyone at Bank of America that I have talked to, and I need my money back and have no clue of how to get it back. I have followed all their processes.

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 2022-01-10 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is someone using my credit information to apply for multiple credit lines and it is placing hard inquiries on my credit report. 
These inquires do not belong to me ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ga XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nv 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 2022-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zip Co US Inc.
State: PA

Complaint narrative:
Zip ( Quadpay charged me for item not purchased, Ive repetitively contacted them past few months to cease and they still do not correct, cancelled now threatens to attach negative to my excellent credit file I paid it today to avoid negative info or collection activity, did not owe Extortion

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I paid my Truist car loan payment XX/XX/XXXX, which was due on XX/XX/XXXX. 

After looking at my account Truist says there is " no activity '' on my account. I have a reference number sent to my on XX/XX/XXXX stating my confirmation number and details of payment. ( Confirmation Number : XXXX ) Payment Date : XX/XX/XXXX Payment Method : Personal Checking Bill Name : XXXX XXXX Loan Account Number : XXXX Amount Paid : {$780.00} Apply To : Regular Total Payment Amount : {$780.00} Truist Response in a Chat was : I understand your concerns regarding your loan payment and I apologize that we were unable to meet your expectations in servicing your banking needs. Please know that our goal is to provide superior client service by understanding our clients ' needs. Therefore, I have taken the liberty of logging a formal complaint on your behalf regarding this matter. Your comments will allow us to evaluate our current policies and make modifications as needed. We appreciate you bringing this matter to our attention. 

Their website shows no indication that a payment was made or in progress. They do not appropriately make it clear that a payments was made or in progress causing great concern to consumers who may think the payment did not go through and will make another payment without knowing the payment was made. 

Truist ( formerly BB & T ) refuses to make the necessary changes to their site, and also there is no product that indicates a consumer can inquire to a Auto Loan or a number to contact them for just an Auto Loan, only a personal loan, mortgage loan, credit cards etc... 

I believe their website and information regarding loan accounts is misleading ( UDAAP ), and could cause misapplied or overpayment on their loans. This will cause Credit Reporting issues and it appears there are some EFTA violations due to their misrepresentation of the outstanding balances due.

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 2022-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I began a consumer credit transaction at XXXX XXXX XXXX XXXX in XXXX Texas. Information pertaining to my contract was not disclosed to me nor was I made aware of such things that my finance charge shouldve included I. E insurance but did not. Subsection 15 USC 1605 states determination of finance charge. Exhibit ( c ) property damage liability insurance premiums are included in a finance charge. In my consumer credit transaction on XX/XX/XXXX my finance charge did not include insurance and I was told that I had to show /Have insurance to obtain the vehicle by XXXX XXXX XXXX Furthermore on XX/XX/XXXX when I made a cash down payment of {$9.00} with XXXX she advertised to me that I needed to make a down payment to also obtained a XXXX XXXX XXXX. Although subsection 15 USC 1662 states advertising of down payment installments says, no advertising to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified down payment is required in connection with any extension of consumer credit. Which my rights as a consumer were clearly violated and therefore I was defraud it. In regards to subsection 15 US C 6802 ( a ). A notice of requirement obligations with respect to disclosures of personal information. I was not made aware That I could opt out from this consumer credit transaction reporting to my consumer report by any third-party reporting agency. I did not give my consent to have this consumer credit transaction furnished on my consumer report which is technically identity XXXX. Due to this being furnished on my consumer report I was denied for a loan on XX/XX/XXXX in multiple loans including credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I am really upset the credit bureaus have not responded back to me about my investigation. I sent a letter and it's more than 60days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Bankruptcy court name : XXXX XXXX XXXX OH 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 2022-01-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
In XX/XX/2021 someone used my information and fraudulently opened an Bank of America credit card in my name. About 2 weeks later I received notice there was new activity on my credit report, that's when I discovered the identity theft. I called Bank of America and spoke with their fraud department. They said they would close the account and send me a form to fill out to request a copy of the fraudulent application submitted in my name.

I have filled out that form 3 different times and sent it in via US mail and via fax ( 2 times via mail and 1 time via fax ) with the required documents ( a copy of my ID, social security card, and ID theft report ). They will not send me the copy of the application in which I am entitled. Today I received a letter saying they were considering this matter closed because they haven't received an " Identity Theft Victim Request form. '' This is untrue, I've sent it three times.

I want a copy of the fraudulent application as I believe I know who stole my identity. 

Bank of America case number : 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 2022-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cash Link USA, LLC
State: TX

Complaint narrative:
My friends and family are receiving repeated phone messages from a company called XXXX. The phone number being used is XXXX XXXX XXXX. Even though I have spoken with the company in regards to the debt, they continue to leave messages on my families voicemail stating that they are location services and they are looking to provide me court documents. When I asked the company for their statistics such as their company address and website I am being denied the information. They are constantly harassing my family although they never try to call me first and have spoken with me several times. I have contacted the original creditor and they state that the company my information was given to is different than the company that is harassing me. I have asked for a verification of debt letter and I am not being provided one. I have received no mail correspondence from the company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: MA

Complaint narrative:
In XXXX, I received an email from the department of education stating that I may have an additional 4 months of qualifying payments for purposes of PSLF. Currently, I am on track for forgiveness in XXXX, but if those payments counted, then I could reach 120 payments this month. I submitted an ECF on XX/XX/2021 and have not heard back. I have called FedLoan and they can not provide any details on when I will receive a final payment count.

Also, there have been months over the years where I have paid in excess of the amount due in that month. I would like those excess payments to count toward my total payment count.

I would like assistance in getting a final payment count from FedLoan and processing my PSLF application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 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: MD

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXXXXXX XX/XX/XXXX {$65000.00}, XXXX XXXX XXXX XX/XX/XXXX {$93000.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: MN

Complaint narrative:
Repeated Cold Calls from " Discover '' offering to lower my interest Rate. 

I have not had a Discover account for years. 

I have repeatedly asked them to stop calling me ; but the calls continue. 

Most recent call came from XXXX on XXXX at XXXX AM CST My numbers are in the " Do Not Call '' registry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: TX

Complaint narrative:
Equifax is reporting my name including the suffix Jr. I have mailed letters, faxed and called for several months. I have sent all requested documents and they continue to not report my name accurately. I have sent government ID, social, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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:
I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
My loan with Land Home Financial Services. I went in forbearance last year but I made my payments until I was told that I could stop and came off forbearance on my own by starting to make payments before forebearance was removed. 
Meanwhile, I had passed my XXXX months PMI required minimum period and my house value went up a lot. Even with the silent second, I am at 65 % XXXX. 
I had requested several times to have my PMI removed. The customer service shows that I had late payment, which I didn't, and therefore my PMI removal request was denied. Eventhough the PMI was supposed to be removed based on XXXX alone. 
The loss mitigation department confirmed that I was never late. They sent it couple times to escalation and nothing happened. We received an email from XXXX XXXX on XX/XX/2021. I emailed him twice for update and no reply. His voicemail is always full. 
I am being charged unfairly $ XXXX and it doesn't seem like anyone at LHFS cares or willing to do anything. I have sent them a copy of my professional appraisal that I paid {$500.00} for and they didn't even bother look at it or recognize that they receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES.BLOCK AND REMOVE THEM. XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: OH

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I am really upset the credit bureaus have not responded back to me about my investigation. I sent a letter and it's more than XXXX. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Bankruptcy court name : XXXX XXXX

Company response to consumer: Closed with explanation