vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX, XXXX, and XXXX to buy a car. I put down {$500.00} on a XXXX XXXX XXXX. I was told my Apr would be 24 % with Global Lending. I didnt take possession of the vehicle until XX/XX/XXXX. When I got the car home the car wont crank. I called back the dealership and told them I would like to cancel my contract on the car because it wouldnt crank. They told me the financing manager wasnt in and he would call me back. I finally got the car to crank and took it to be checked and the transmission failed the test. I called back and was told they would get back to me they never did. Global lending reported the loan on my credit report at 27.6 % I was very confused and called to ask about this and was told I needed to contact the dealership. On XX/XX/XXXX the XXXX started losing power where the car would shut off. I called the dealership and was told that was how XXXX made the car and it was nothing they could do. I went through this problem the entire time. I was laid off and I spoke to my lender letting them know and also letting them know my loan was still reporting wrong and they told me I once again I needed to reach out to the dealership. XXXX told me they would pay my loan in full because my car was including in a engine recall. Global lending wouldnt even allow XXXX to look at the vehicle they harassed the dealership everyday about the car even though they were reporting a fraudulent loan and they never corrected it. I asked to be released from this loan as soon as I took possession of the car and I was given the runaround instead

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: MN

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: MN

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My name is -- -- -- - and I have a mortgage with Carrington with the loan number ********. I had the name -- -- -- -- -- which was changed to -- -- -- -- -which is my father 's last name. -- -- -- -- was my sibling 's father 's last name. During Covid my Fiance -- -- -- -- -- - who has lived with me for 5 years lost her employment. I utilized the assistance from Carrington Mortgage which provided a forbearance option in XXXX of XXXX. I was able to settle Debts and was in a position to begin paying the mortgage again in XXXX of XXXX. I was assigned a XXXX agent named XXXX XXXX who refused to communicate with me by phone. She sent me some strange questions asking if I was married to a woman named XXXX. I requested to speak with her on multiple occasions as her responses were at times erratic and did not fit the context of our email conversation. I sent in multiple packets to continue the mortgage process for modification after forbearance which failed XXXX due to me not being aware that my signature had to be signed " -- -- -- -- -- -- fka -- -- -- -- -- -- ''. The block read my name " fka '' my previous name which meant to me that my signature acknowledged that I had previously been known by another name. The document was supposed to have my current signature followed by fka and then my previous signature on that line which I have never heard of nor had my various notaries. XXXX XXXX did not instruct me that this was why my contracts were rejected nor did she instruct me of what the contract signature required. She just continued to repeat that my signature was incorrect. This fact was relayed to me within 2 emails by my new servicer XXXX XXXX who explained right away what the error on the application was regarding the signature block. I was able to speak to her by voice and sha has given me a clear understanding of my options. I have the email threads to XXXX XXXX and can forward them in order to understand the rationalization for my dispute. I have documented attempts to speak to her and clarify why my packets were being rejected and she refused to contact me or clearly elaborate on what was required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When checking my credit, I noticed that there were some things that were wrong on my report, so I contacted the credit bureaus to ask them to verify the information and they failed to verify it. I have contacted them on multiple occasions and they are not following by the guidelines of the FCRA and are violating my rights by failing to investigate and by reporting misinformation without providing proof. I want this erroneous reporting removed from my report as per the FCRA

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 2023-05-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Yes I've been trying too get another car exstention on loan. Due too hardship. I'm XXXX XXXX XXXX living paycheck too paycheck. Trying too make ends meet. Been diagnosed with XXXX. Also on SSDI. Now ally bank. Every time I call them for another car exstention. I get the run around. They run my information into some bot. Computer. Get denied. Only asking for 1more month. Trying too avoid putting car into XXXX XXXXbanktupsy. Wana try work with them too avoid XXXX XXXX. Know body wins in the end with XXXX XXXX. Wana work with them. Also please have a top Manager get back too me. Don't want same old person on my case getting back too me. This same old guy is pathetic also my landlord raised my rent too

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 2023-05-02 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XXXX, XXXX, I was in XXXX ; I used my credit card in a restaurant for a receipt of XXXX XXXX ( around XXXX $ ). Then I received a message from Chase that a transaction of XXXX $ was declined and they asked me to confirm if it was me or NO. I immediately replied by no and I am attaching the screenshot of the text messages ; they confirmed that they would not let this transaction go through and they said they going to send me a new credit card. Also, I called Chase customer service to report that transaction because the restaurant charged me more than they should and I told them that I don't recognize this amount. and they sent me a new card a few weeks later, they sent me a letter that stated that they declined the dispute because I had the physical card with me, I told them that I didn't confirm this transaction and you should not let it through. 

then they asked me to file a dispute and write a fax to them, describing the problem and they said they were going to contact the merchant ; I went to the bank and did that in XXXX. 

on XX/XX/XXXX they sent a letter that they declined this dispute, and they asked me to get a receipt from the merchant. which I can't do because it's overseas and it's impossible to reach them, and I am sure that they did it on purpose. if chase have told me when I was in XXXX that I needed to get a receipt that would have been much easier. 
plus they should not have let this transaction through as I replied by NO to the text message

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
My mortgage payment has doubled due to the fact that the escrow collected was not satisfactory to pay the tax bill. The escrow collected was on projected {$630.00} of taxes. The actual tax bill was {$4800.00}. Now my mortgage has gone from {$860.00} to {$1700.00} overnight. 

How was escrow of the property so far off? I feel that the lender INTENTIONALLY did not estimate taxes for a new construction to make the sale! The loan was for a new construction investment property, so why didn't the lender use comps in the area for an estimated tax bill rather than use the land value of the lot? 

Why was I not informed of this in XXXX when the tax bill was paid by the escrow? Now I have a {$6300.00} shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
On XXXX  Aldous & Associates, P.L.L.C. agreed to a settlement of XXXX for violating communication tactics according to FCRA guidelines. It has been 3 weeks and I have not heard back from them after I sent certified mail agreeing to the settlement of the XXXX. It makes no sense that I have to communicate with this debt collector agency via The XXXX XXXX XXXX to receive any communications. I have sent over 5 letters which were all ignored until I filed a complaint through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I received an Escrow Analysis from Bank of America informing me that there was an overage in my escrow account. The letter stated that a check in the amount indicated within the letter would be mailed to me within XXXX business days. On XX/XX/XXXX, I contacted the bank to inquire what happened to the check. The bank rep did not know. I called back on XX/XX/XXXX. XXXX and the bank rep told me the check was sent to an address I lived at some 15 years ago. I asked the bank rep how this could happen if I did not call them to change the address. The bank rep did not know. I called again on XX/XX/XXXX, to find out why this continues to happen where someone is illegally accessing my account and making random changes. To date, I have not received a response. The only other person on the NOTE is XXXX XXXX. He relinquished all rights to the property via XXXX XXXX XXXX in XXXX. This same situation happened in XXXX and XXXX, there seems to be a pattern of every other year. Making the situation more concerning is I do not have access to an online account. When I request an online account, I am told that instructions will be mailed. Once the instructions arrive, they are addressed to XXXX XXXX, despite the mortgage statements coming in both our names. When I wrote to Consumer Financial Protection Bureau in XXXX, the Bank of America told you and me by way of letter that I may have been the victim of fraud. Obviously, this is not true and it is Bank of America that is committing the 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 2023-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BCI FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a completed loss mitigation application to City National Bank as I was experiencing temporary unemployment and loss of income. I attempted to be proactive and reach out to XXXX to avoid default. For 3 months CNB has continued to not respond timely and to request the same documentation over and over again never once making a decision. At no point has there ever been a SPOC assigned to my case to make contact and to let me know what was needed to move forward. They continued to ask for the same income documentation on a weekly basis that was provided and intentional dragged out the process only to deliver a loss mitigation denial on XX/XX/XXXX. CNB has had ample time and documentation on which to make a decision of approval or denial. This loan has never gone into default however I struggled to make the payments until recently when my employment was reactivated in XXXX. These practices are unfair, deceptive and abusive in nature and do not comply with federal regulatory requirements for the loss mitigation process. These practices of delayed reaction and decisioning are tactical and strategic and discriminatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Braviant Holdings, LLC
State: IN

Complaint narrative:
We were notified we are in a federal disaster zone ( as of XX/XX/2023 ). I notified this company of the situation and to explore what forbearance or deferment programs they have available. The agent I spoke with informed me they do not have any programs available to assist me- all they can do is DOUBLE my next payment. 

I requested to speak with a supervisor to get clarity on WHY they do not offer a federal disaster zone victim any kind of forbearance ( the answer at this point was obvious - because they are a predatory loan scam company, but that's a different issue ) ... and this is where things got even stranger. After being placed on hold multiple times for several minutes ( the agent was polite but clueless ) she informed me no supervisor was available to assist me ( what a shock! ). 

After insisting to speak with a supervisor, I was informed 'someone would get back to me hopefully in 3 business days ). So after reaching out to this company in an effort to ensure that I do NOT default or miss any payments, to communicate that due to a federal disaster declaration I was attempting to work out something that at least is an arrangement that is suitable for them, not only could they not assist me but refused to put a supervisor on the line with me to provide any explanation whatsoever. 

Well I suppose this is the price people pay doing business with fly-by-night organizations like Balance Credit. If nothing else comes from this, at the very least hopefully others will learn from my horrible experience with them and avoid them like the charlatans that they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed a regE dispute for transaction that happened on XX/XX/20 in the amount of {$58.00}. I had a product described to me as top of the line having all these features. The company called while I was in the hospital and described it to me over the phone it was for a nebulizer and at that time I gave them my card number. I never saw anything from the company or anything that before purchase I had to go off the person 's word because of being in the hospital. When I got it and saw that it was the cheapest model that is out there sold on XXXX and other medical equipment companies everywhere for {$20.00} I contacted the company they refused to price adjust, then I said I want to return it they refused to return it, wouldn't let me talk to a manager. Now Truist Bank is saying it's not a reg-e dispute and I don't see how this is not I gave my card number over the phone for a product they described that had features that they talked about that this product that I received is not it basically fraud by deception. I'm feeling this complaint because I know regulation e I was in banking for 20 years and I don't understand why Truist Bank says this doesn't fall under it.

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 2023-05-02 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: NY

Complaint narrative:
As of XX/XX/XXXX, I have noticed fraudulent accounts and inquiries that are holding me back from moving forward with my credit and helping my daughter getting a better school and also a better school Districk and a house for my daughter and my family due to my credit and my credit profile and was reporting on it and also my consumer reports below is a list of inquiries that must be removed permanently in indefinitely due to the fact, they are fraudulent as of identity theft INQUIRIES LIST XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 2023-05-02 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: NY

Complaint narrative:
As of XX/XX/XXXX, I have noticed fraudulent accounts and inquiries that are holding me back from moving forward with my credit and helping my daughter getting a better school and also a better school Districk and a house for my daughter and my family due to my credit and my credit profile and was reporting on it and also my consumer reports below is a list of inquiries that must be removed permanently in indefinitely due to the fact, they are fraudulent as of identity theft INQUIRIES LIST XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation