vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 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: AZ

Complaint narrative:
I tried to dispute as a collections is its not mine and I disputed it with the credit Bureau and the collections was not removed.

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 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I was charged multiple overdraft fees and not able to remedy with Bank of America directly. I submitted a request to pay my credit card off with Bank of America early, instead they withdraw the funds that are not there due to a previous transaction and take my account balance negative. I attempt to add funds through electronic transfer, the transfer is completed and should cover the negative balance but then and I am assessed another insufficient funds fee because my account is negative BECAUSE of the insufficient fund fee for the electronic transfer taking more than 24hours. I have to move funds gain but by that time it is too late. Bank of America will not refuse to process transactions where an insufficient fund fee would occur unless I sign up for a special membership account and pay a monthly fee of {$5.00}. That is {$60.00} per year, that doesn't make sense. I asked to submit a complaint direclty to Bank of America over the phone and I was initially told I couldn't do that. Then they told me that Bank of America takes too long to review complaints so its not going to help. How is that possible? Maybe because Bank of America is just taking money from folks and everybody is submitting a complaint with merit? Totally disappointing since I do almost all banking with Bank of America for last 15 years but I guess greed always wins out. I reviewed earlier transactions to make sure I wasn't missing anything and I see that Bank of America posted the same fee for a transaction that wasn't even completed on XX/XX/XXXX! Bank of America will charge the fee no matter what under the guise that they are doing me a favor. Transactions took place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. Attached copy of transactions with amounts. I called Bank of America today and spoke to XXXX from Alabama XXXX XX/XX/21 ).

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 2021-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On the date XX/XX/2021 I sent letters informing XXXX, XXXX  and TransUnion of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX, XXXX  and TransUnion another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship in our lives.

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 2021-06-17 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: MO

Complaint narrative:
On the date XX/XX/2021 I sent letters informing XXXX, Equifax and XXXX  of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX, Equifax and XXXX  another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship in our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV Funding is reporting a collection on my credit file that needs to be removed. I have been disputing an account with them through the bureaus but they continue to report negatively on my credit file. I settled this account a very long time ago as I did not know about this collection. However, they continue to negatively affect me from being able to finance my home. I ask that LVNV Funding remove the collection from my file since it has been satisfied. I am aware they report to the bureaus as they deem fit because they are the furnisher. Please remove accordingly or I will continue to exercise whatever rights and remedies we have under the law to enforce this removal not excluding legal suite .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 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 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Applied for a 1 time close construction to permeant loan with BBT. I paid BBT the required funds to perform an appraisal on the construction and provided them all the building specifications.

BBT hired an appraiser who failed to act in good faith. Below are the highlights of appraisal 's issues.

1. Filled out the appraisal form with fraudulent information on the house design/features.

2. Actively fabricated information about the neighborhood.

3. Used comps there were ~1 year old instead of recent comps. Appraiser was involved with the loan on the ~1 year old comps.

The above issues and many others were addressed by me in writing to BBT in early XXXX via email. BBT agreed the appraisal was wrong and submitted a halfway filled out appeal form. I called the loan officer a week later to get an update on having the appraisal appealed, and the loan officer told me that will " take a while, but I can request a new appraisal, which will come in lower ''. At that point I was flabbergasted a bank can dictate/predict an appraisal. I escalated my concerns in writing to XXXX XXXX ( head of BBT/Truist ) and XXXX has sat silently on copy while his staff act dishonestly. 

The loan officer has since refused to be productive with my loan. Instead of working to address my concerns and his inappropriate/illegal comment, he has attempted to pressure me into signing off on the appraisal. His boss got on one of the email chains and pretended to answer questions I never asked. 

On XXXX I was emailed by a new person at BBT demanding XXXX statements from my checking/savings account. She required by end of the week ( XXXX ) or else she would delay my XX/XX/XXXX closing. My closing was originally early XXXX. She pulled up my closing with zero communication and intentionally set a goal that would be impossible to meet ( those XXXX statements don't post till after XXXX is over ). 

It has been a month since BBT told me a second appraisal would come in lower on a phone call.

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 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Account opened without without my permission : SYNCB/PPC XXXX Time Line Account opened prior to XXXX with a {$75.00} membership fee Late charges and interest were charged every month thereafter bringing the total up to {$400.00}. 
Two accounts have been used in this fraud. 
First account XXXX XXXX with an ending balance of $ XXXX Second account XXXX was charged for {$210.00}. XXXX Made it appear like I made a payment. 
Late charges continued. 
I never ask for this account I never received a card I never charged on this account. 
I have challenged it No luck

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 2021-06-17 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: IL

Complaint narrative:
After my last complaint against XXXX XXXX, I was able to enter the Covid Relief Protection plan. The plan stated that I would have 90 days where I would not have to pay anything so that I could get back on track. After the 90 day mark was up, I would have to pay the original amount of the monthly payment each month, within a 30 day timeframe. 
In other words, once I started paying the loan back XXXX XXXX ) I would have between XX/XX/XXXX and XX/XX/XXXX, without consequence, to make the payment. If I continued to make the payment as instructed, I would be allowed to stay on the plan. The plan does not stipulate that I need to make a payment arrangement and it does not say that I need to pay for any amount of the loan that is already in delinquent status while on the program. 
In XXXX, I began making the payments as instructed. Each month after the payment was made, I began getting up to 10 calls a day telling me that I needed to enter into a payment arrangement. When I informed the agent that I was on the Covid Relief plan, I was told that even though I was I needed to enter a payment arrangement to 1. get the delinquent amount caught up and 2 to make sure that I am paying " on time '' or I will continue to get calls. I was not informed that the company would continue to mark my credit as 120 days or more past due.

When you read the guidelines of the Covid Relief plan on their website, this is in total disregard to what the plan actually stipulates. 
I need assistance with getting this corrected. I am doing the best that I can, yet I am still being harassed, and I am still suffering under this company.

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 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coastal Settlement Recovery Inc.
State: OH

Complaint narrative:
I was contacted by a collections agency claiming to have purchased debts from XXXX, a company I have never signed up for or heard of. They claimed the charge was for some payment that didn't go through on my bank account 5 years ago and said they've been trying to get ahold of me. This is literally the first time I've heard of it ; they claim they've been sending mail to MY CHILDHOOD HOME ADDRESS, and are therefore " very disappointed ''. I asked why I was never told about this debt. They claimed the business who charged me would never have told me and there was no way for me to know ; they claimed it happened 5 years ago and they've attempted to mail my childhood home to tell me. Then, they went on to tell me the charge is for $ XXXX+. I've already paid my debts off around my life ; they are now telling me I have some ghost debt for $ XXXX+ of course, and when I went to the records to see the charge they claim spawned this whole thing " that I wouldn't have known of '', it was a receipt for {$15.00} on XX/XX/2016. 

I told them this is crazy ; I will not be paying $ XXXX+. The company is called Coastal Settlement Recovery or CSR for short, phone number XXXX Email address : secure@coastalsettlementrecovery.com coastalsettlementrecovery.com

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NY

Complaint narrative:
review the following accounts that appear on my credit report, without authorization Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

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

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

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

6. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Eastern Account System were contacted on numerous occasions with information stating the account doesn't belong to me. I have a letter from XXXX XXXX that states this, but Eastern Account System continue to place this negative report on my credit. I've been fighting / disputing this company for months now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MEGA CAPITAL FUNDING INC.
State: CA

Complaint narrative:
XX/XX/2021 we sent a payment of {$1300.00} to open an escrow account to cover property tax and insurance. as of this date the account is more than two weeks from being functional. 
Despite several telephone conversations assuring me that the mortgage company would now be responsible for those payments our insurance policy was cancelled for non-payment. This resulted in a new policy being issued at an higher rate. 
Today we received a final warning letter from Mega Capital Funding that there is no proof that we have hazard insurance and they intend to purchase a policy and bill us. 
We have several recorded conversations in which they state that the have everything they need and the escrow account will be opened and functional by a certain date. all the promised dates have passed ( the latest was XX/XX/XXXX ). 
After a long ( XXXX ) recorded conversation today, the next promise is that the escrow account will be all set-up by the first week in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CO

Complaint narrative:
I had issues with Sallie Mae previously where they " supposedly '' communicated with me electronically, and had changed my payment amount without my knowledge. They finally called me a week before the loans I had were to go 60 days late ( even though the issue was their change earlier than the agreed, and failed to communicate the change ). As a result of that, I constantly have to Decline for the to communicate with me electronically. In this case, working with them they were able to enroll me in a rate reduction program. Well, I have been still struggling to make the payments with this decrease, and now they have sent me a notification that it is about to expire. 
With the new amounts there will be no way that I will be able to make the payments, so I contacted them to ask for assistance. They told me I had no options at this moment. As I asked further their suggestion on handling the situation was to " XXXX ( XX/XX/2021, XXXX XXXX ) : If you are unable to make your payment on the due date in full, I suggest making a payment for the amount you can afford. In the event your loan falls past due by 5 days, at that time our in-house collections team will reach out to you and may offer options that we do not offer in the service department. " The problem with this, is that in order to even get the reduction, they " FORCED '' me to have auto debit so they just pull the payment. So there isn't even an option for me to " pay the amount I can afford ''. To make things worse here, is that since the marked all 3 of my loans as 60 days late the last time, my credit still has not recovered, so refinancing with a better lender is not an option ( and I applied to all of them ). I am really frustrated as Sallie Mae has seemed like a predatory since the start, and it still does not appear to be any end in site for dealing with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My Targeted EIDL Advance was deposited into my personal checking account. Chase Bank froze all of the funds and would not tell me why. I supplied them with an EIN and my SSN ( which I used to get the loan approved ). This is a very bad business practice and should not be allowed. It was more than just about the money for me. It was that Chase did not believe I even deserved an explanation. I hope this helps someone in the future. Best advice is to not do business with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: NC

Complaint narrative:
XXXX XXXX holds our lot loan that matured in XX/XX/2021. While in the process of refinancing the loan, XXXX XXXX erroneously reported to Experian, XXXX and XXXX  a XXXX delinquency even though we continued to make our regular on-time payments. The credit bureaus started reporting this delinquency on XX/XX/2021 reducing my credit score by 44 points. 

On XX/XX/XXXX XXXX took negative action against me by reducing my credit limit to the current balance which also inflates my debt to income ratio increasing the negative impacts. 

On XX/XX/XXXX, XXXX XXXX XXXX sent a letter confirming the error, while also stating they sent a correction to the credit bureaus. 

On XX/XX/XXXX, I submitted a dispute to Experian but received a notice that it will take 30 days to remove. 

Since this delinquency is an admitted error, it should be removed from my credit report immediately mitigating the risk of other creditors taking additional negative actions against me. 

As of today, XX/XX/XXXX, it's been over a month, and the delinquency is still being reported. 

My husband and I are struggling to overcome the devastation COVID caused to his business, working to refinance our mortgage that is current in forbearance and while our situation is improving, this error can devastate us. 

PLEASE HELP US QUICKLY. 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 non-monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Have been respectfully corresponding with Bank of America. Rep stated my accounts had been purged and that they were nonexistent and there was nothing to do in regards to reopening or obtaining funds. I informed him I was secondary on another account and the check book and debit card was stolen, still no assistance. Definitely fraud and grand theft taking place.

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 2021-06-17 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: NC

Complaint narrative:
The company Equifax are showing my adverse information without my consent, harming me for the acquisition of services or goods

Company response to consumer: Closed with explanation