vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed my initial complaint with bank of America mailed in multiple times my proof of transactions which they stated " they didn't receive '' which I have proof of tracking number and signature. My point of contact was XXXX XXXX whom was nice but very inconsistent when it came to responding. I faxed mailed and emailed the transactions as well as the payment ids dates and amounts from XXXX website and they have had over 3 months now to pay me the money owed to which is over XXXX which fraudulent fraudulently stolen from an account they said " has since been lost and closed for some reason and they lost access to the accounts records '' which is complete and under XXXX XXXX if you ask me how can a financial institution do that without my consent or a request by me? They did it so they wouldn't have to pay me what was stolen from me. I am now filing a follow up complaint for them taking wayyyyy to long as far as I'm concerned with handling this matter. They are obviously lying about not being able to find the old accounts records especially when I gave them exact dates for each payment and the payment ids provided by XXXX. They are not concerned with paying me back which I plan to file a lawsuit if not handled within the next 30 days against their institution including damages for the added stress and financial stress this has caused me including possibly having to cancel me relocating my place of living soon because of this issue not being resolved as it should have been months ago. They are not following their own rules and regulations for handling of this matter.

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 2021-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: FL

Complaint narrative:
This complaint is the third complaint filed against Plusfour , Inc. for illegal collection activity in the State of Florida. In the previous complaint XXXX, Plusfour submitted an illegally modified E-Oscar report from Transunion. In the report, Plusfour modified my current address to reflect a Nevada address in place of my Florida address. They illegally modified this document because Plusfour is restricted from conducting collection activity in the State of Florida by the Florida Attorney General and the Florida Office of Financial Regulation. I have attached a copy of the legal order from the State of Florida. I have also attached a copy of my current XXXX credit report dated XXXX reflecting my Florida address. Plusfour is fully aware that they are operating illegally in the State of Florida. I have filed a formal complaint with the Florida Attorney General and Florida XXXXffice of Financial Regulation requesting an investigation of XXXX and their illegal collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: IL

Complaint narrative:
I noticed accounts on my credit report that i have no knowledge about. They do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Convergent Outsourcing , Inc. stating that they were reporting a negative account on my report. I received a response form them saying they validated the account but they only sent me a bill and did not send me any information that I requested showing that the account is indeed validated which resulted in an improper investigation. 

I sent another certified letter on XX/XX/XXXX asking for proof of this account that this account belongs to me. They never responded with anything that I asked in fact they never responded at all and it has been well over 30 days. 

Please see below copies of letters.

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 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TN

Complaint narrative:
I received a letter from XXXX XXXX XXXX on XX/XX/2021 that said I owed a XXXX debt of {$3300.00}. I have never had a balance with XXXX or have owed them money. My credit report does not show this debt. The account number on the letter is XXXX. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
well its a little over a year ive been having this problem..i make my payments monthly and havent missed any..company says im behind like on 3 payments, interest keeps going higher, have late fees..i always tell them that im making my payments and have prove..they say that i only have paid like XXXX for principal..when i have paid over XXXX already..

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 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX. I tried to lift a security freeze temporarily with Experian. 

First I went to their website. They had a button for logging in to manage a security freeze. I did that. On their website, there is ABSOLUTELY NO way to manage a security freeze. They offer a " credit lock '' for money. 

Let me point out that I am a software engineer with an XXXX over XXXX and many years of experience in the industry. If I couldn't find a way to manage my freeze, it either doesn't exist, or it's been paywalled ( more than likely ). 

Then I tried to call. Three times. There's no option for managing freezes. All the options that sound promising ended in a hang-up. There was one way to speak to a person, but that also ended up in disconnecting the line. 

I believe this kind of behavior by a credit reporting agency might be illegal.

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 2021-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I graduated with my XXXX. I have been paying XXXX every month since then. I have been employed with the XXXX since XXXX and continued to pay on my loan even though I knew of the Student Loan Forgiveness Program. My logic was- its my debt and Ill pay it until I am no longer able. Which in my mind was when my finances decrease, meaning when I retire. Now that I have 30 years with the XXXX, retirement is my next step. So I completed the paperwork in XXXX for the Forgiveness Program. The first response I received was that I did not qualify. 
I went back and did some research and applied again in XXXX and received the response that I was not employed with an eligible organization. 
So, I dug a little deeper and called to speak with someone at the organization that holds the loan, Navient. I was told that I did not have the type of loans that were eligible for the Forgiveness Program. This is where the problem begins. 
XXXX had the loan when I graduated and I made sure that I consolidated my loans to the type that were eligible for the Program since I was already employed by XXXX. Next, the loan was sold to Sally Mae and they were still consolidated to be eligible for the Program. From Sally Mae they were sold to Navient and suddenly they are not eligible for the Program. I was told by Navient that I could consolidate them now but the 120 required payments, or 10 years worth of payments would have to start over. I am getting ready to retire and will not be able to afford another 10 years of payments when I have already made XXXX payments! The absurdity is that I owe {$84000.00} and the loan was for {$82000.00}! I have paid off a home and two vehicles since I got the loan and after paying on it for 16 years ... I now owe more than the initial loan in XXXX. I have paid more than the required 120 payments necessary to qualify for the Forgiveness Program and feel that Navient is trying to get more money from me because I have been paying consistently. I need your help because even the current pandemic inspired relief on student loan payments does not apply to loans that are not held by the Department of Education and I am still making monthly payments as of today. I am requesting your assistance to check into this situation and see if my loan can be forgiven since Ive already met the 120 payments required of the Forgiveness Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: CO

Complaint narrative:
So the account was bought by someone else in the amount of XXXX. The company has reported that the balance is XXXX, but the credit limit is still XXXX, but if there's not a balance it shouldn't be there due to the Fair Credit Reporting Act. Since I technically Owe the company XXXX as per the balance I would like it taken off of my credit report please and thank you.

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 2021-03-23 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
So the account was bought by someone else in the amount of XXXX. The company has reported that the balance is XXXX, but the credit limit is still XXXX, but if there's not a balance it shouldn't be there due to the Fair Credit Reporting Act. Since I technically Owe the company XXXX as per the balance I would like it taken off of my credit report please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I received a letter from XXXX XXXX XXXX on XX/XX/2021 that said I owed a PayPal debt of {$3300.00}. I have never had a balance with PayPal or have owed them money. My credit report does not show this debt. The account number on the letter is XXXX. I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: FL

Complaint narrative:
This company REFUSES to acknowledge that I have paid this debt IN FULL with the original creditor Florida XXXX XXXX. On XX/XX/20 I paid {$260.00} then the company said I owed {$300.00} more ... so on XX/XX/20 I paid {$300.00} to XXXX through their online payment system. I have attached proof of payment and also proof that my account is showing a XXXX balance per XXXX payment system. I have tried to get this removed from my credit report twice and this company doesn't even look at the attached documents and proof and immediately says I still owe the {$300.00} even though it was paid on XX/XX/20. This has been PAID IN FULL and needs to be removed from my credit report as it is causing harm to my financial well being by continuing to show I owe it when I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA

Complaint narrative:
i sent an online bill pay to XXXX XXXX XXXX for my car payment on XX/XX/XXXX. XXXX had called me and notified me that my payment did not clear. Upon investigating with XXXX and XX/XX/XXXXwhat was discovered is that the instrument XXXX received had my name on the account info section, fords info for the payee, but different bank information/ account number, different check number. XX/XX/XXXXXXXX XXXX was supposed to issue a stop payment on the online bill pay ( which is a check they mail XXXX and refund me. i contacted them multiple times on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have spoken to them more than this bus this is all i have proof of. They have not issed me a refund, sent me the paperwork they want in order to conduct an investigation, have not investigated it, have not even processed a dispute. I still have yet to get my money back and they have yet to make any action regarding this incident. 
FTC REPORT FILED No. # 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 2021-03-23 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: CA

Complaint narrative:
There are 6 accounts on my credit report that do not belong to me I need these accounts gone. I have tried disputing these since XX/XX/2020 to no avail. I have also opened an FTC report for all these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account 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 explanation
Consumer complaint received 2021-03-23 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: CA

Complaint narrative:
There are 6 accounts on my credit report that do not belong to me I need these accounts gone. I have tried disputing these since XX/XX/2020 to no avail. I have also opened an FTC report for all these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Google Compare Credit Cards Inc.
State: MA

Complaint narrative:
Google has made it impossible to dispute a debt by setting up policies that make it impossible to dispute a debt. There are no live agents and it is impossible to cancel a transaction once it has been made. To assure this Google does not accept gift cards forcing the transaction to continue endlessly, with no hope of this debt being canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
I contacted a number of companies to get quotes to refinance my mortgage on XX/XX/XXXX. Mr. XXXX XXXX from Amerisave called me after I submitted a request online. Mr. XXXX told me I should complete the application that day and that the cost and rates will be the lower of the day I sign the application or when I am ready to close. In mid-XXXX I received an updated loan disclosures showing the cost of the points rising from {$420.00} on the initial disclosure to {$9500.00} on this new disclosure. I called Mr. XXXX who said that I should not worry since the cost of the loan will not be any higher than quoted on XX/XX/XXXX. When I asked for a document verifying this information, he said he would have to ask his supervisors for it. I eventually received an updated disclosure that reduced my points/fees to {$4700.00}. When I asked Mr. XXXX to honor the initial rates he provided when I signed the application, he again said he would need to speak to his supervisors. He never called me back. After that point, he stopped returning any of my phone calls or responding to my emails. The last time Mr. XXXX and I spoke was on XX/XX/XXXX. Amerisave continued to send me documents that needed to be filled out. The first was a set of documents pertaining to the subordination of my HELOC. The second was a rate lock document. I refused to complete any of their requested forms because I refused to pay the additional fees they were now charging. Yet somehow, my refinance was approved, the rate was locked, and the documents for the HELOC subordination were no longer necessary. I made numerous calls to Amerisave, beginning on XX/XX/XXXX, to cancel my mortgage application. Almost everyone I spoke with said Mr. XXXX had to cancel it. After explaining that he was not answering my calls, I was able to work my way up the chain within Amersave to cancel the application. Mr. XXXX employs deceptive practices in getting people to sign an application with Amerisave. The costs promised were not honored.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: OR

Complaint narrative:
XXXX XXXX is the custodian services for MoneyLion, Inc. a XXXX XXXX, which holds funds for me in a simple IRA. I initiated XXXX, my brokerage firm to have my account transferred to XXXX XX/XX/2021. Now over 30 days later XXXX or MoneyLion has not released my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: FL

Complaint narrative:
XXXX did agree to remove the inaccuracy from my credit report and i advised experian of this and they are still refusing to remove from my credit report and delete its entirety, also the representative i spoke with was very rude and acted as if he did not understand what i was saying. i have disputed this from over and over again but they are refusing to cooperate and delete from from my credit report. I want them to know i am getting ready to persue legal action because per the report resolution on this site, it was stated that they would remove ( XXXX ) was the response from XXXX **** I AM DISPUTING ALL THREE CREDIT BUREAUS*************

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 2021-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GVA Holdings, LLC
State: MD

Complaint narrative:
I was contacted by Target Cash Now on XX/XX/2021 and informed they were trying to collect on a debt for a loan that was taken out on XX/XX/2021 by someone using my information. At first I thought they were trying to scam me but when they provided me with information about the loan, I realized they had my name, my last 4 digits of my social security number, my place of work, my telephone number and a portion of my address. They did not have my full address and the banking information they provided is not a bank that I have an account with. 

Target Cash Now informed me that I would have to file a police report since as far as they were concerned the account was in my name and it would affect my credit rating. I did contact the XXXX XXXX Police department and I have a XXXX Police Department Citizen/Police Contact Receipt ( XXXX ) also dated for XX/XX/2021. 

I did not share this information with Target Cash Now because it has my drivers license information and my correct address and I did not want to provide them this information. Instead I reached out to the Maryland States Attorneys office for advice and guidance. 
I was advised by Mr XXXX XXXX, XXXX Identity Theft Program, Office of the Attorney General to file a complaint with this organization and to freeze my credit. 

The following is the rest of the information that Target Cash Now provided me on this loan that I am disputing * funds deposited into XXXX XXXX account ending in XXXX XXXX Loan ID XXXX XXXX Of interest to me is that I never received any loan documents or information on this account/loan even in my SPAM/Junk mail prior to the disbursement of the funds. But I have received numerous requests in my spam that are reminders about the payments that are due on the account. 

I would appreciate any assistance you can give me to get this situation resolved.

Company response to consumer: Closed with explanation