vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I purchased a car from XXXX - XXXX XXXX through XXXX XXXX XXXX on XX/XX/2021 for my business, XXXX XXXX  XXXX XXXX XXXX. The finance manager told me that XXXX XXXX XXXX does not report to the personal credit file with a XXXX unless you default on the loan. My contract shows my business name only, but they have reported this on my personal credit file when it should only be reporting to my business credit file because I have not defaulted on the loan.

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 2021-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I made a principal overpayment that posted to Toyota Financial Services on XX/XX/XXXX ( verified on their website ) ... .Since that time my account is still showing I owe {$100.00} for a XX/XX/2022 Payment. It still shows I have a balance due on my loan. My first call to them to discuss this matter was XX/XX/XXXX. I've called them and messaged their online numerous times and was told it would be fixed in 3 days it wasn't I contacted them again they said it would be posted on my account by the end of the day on XX/XX/XXXX. Once again it wasn't posted so I messaged them in their system again and that I last contacted them on XX/XX/XXXX... which was false... .today is now more than 7 business days from first contact and they haven't fixed the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
My loan is under investigation supposedly at AES fraud department. They have not responded accordingly at this time and are demanding payment impacted my credit with negative reporting. My promissory note was forged false certified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
ON XXXX, I settled an account with America Express. Updates are sent by by American Express on the XXXX of each month. American Express has deliberately failed to update the credit bureau and continues to add negative entries on my credit report, which is continuing to lower my score and prevent us from refinancing our home. 

When I contact American Express, they state that the account has been settled and nothing else is owed, however, they refuse to update the bureau. They keep giving you additional toll free numbers to call, which each unit tells you that someone else has to take care of it and will not resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc.
State: FL

Complaint narrative:
My insurance and property taxes are paid from an escrow account maintained by the lender. After receiving a notice from the insurance company that annual premiums had not been paid ( early XX/XX/2021 ), I notified the lender who deducted the annual premium ( {$2500.00} ) from escrow ( XXXX XX/XX/2021 ). Insurance company claimed they never received that payment and sent a policy lapse notice on XXXX XX/XX/2021 ). After a couple of weeks of going back and forth between the insurance company and lender, the lender deducted another {$2500.00} ( XXXX XX/XX/2021 ) from escrow and overnighted the payment, which the insurance company acknowledged receipt of. However, the lender is refusing to credit my escrow account by the original {$2500.00} and claim they will refund it when the insurance company returns the {$2500.00} to the lender ( insurance still claims they did not receive the initial payment ). This is an issue between the lender and insurance company any my escrow funds should not be in play in their dispute. I made a final attempt this morning ( XXXX XX/XX/2021 ) and was told the same thing - that the escrow department was supposed to issue a stop-payment on the check. I explained again that the funds should be credited back to my account regardless of the status of that check.

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 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I purchased a car from XXXX - XXXX XXXX through XXXX XXXX XXXX on XX/XX/2021 for my business, XXXX XXXX  XXXX XXXX XXXX. The finance manager told me that XXXX XXXX XXXX does not report to the personal credit file with a XXXX unless you default on the loan. My contract shows my business name only, but they have reported this on my personal credit file when it should only be reporting to my business credit file because I have not defaulted on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: CA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank contact me on XX/XX/XXXX stating there was unusual activity on my account. I advised them it was not me. They closed the account and sent me a new card. They also reversed the fraudulent charges back to my account on XXXX. On XX/XX/XXXX I checked my account and noticed all the fraudulent charges were back and my account was now overdrawn. I contacted Chase immediately. There are important bills due to be withdrawn from my account. They stated an investigation was conducted and it was determined that XXXX  marked the charges as bill pay so they can not reverse the charges and I should contact the company who took the money. I told them I did that. The company does not exist. Two separate agents advised they can not help and to have a nice weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi, on XX/XX/XXXX I opened a CFPB complaint ( XXXX ) against Chase mortgage regarding the closing fiasco we had and the promise to reimbursement moving expenses. In their response to you and I as seen in the attached letter the {$1000.00} reimbursement was to be made within 7 days. The letter was written on XX/XX/XXXX and with the Veteran 's day holiday that would put today at day 9 and still no funds have been deposited. 

Upon my call with the Chase executive team today they stated that the money would not be deposited but mailed in a check. Delivery would be 7-10 days. What I did not get was what day the check was issued nor what day I should expect it. The attached letter and response to you and I did not mention mailing the reimbursement check for {$1000.00}. 

Why does Chase get to change the rules? 

I continually get the run around and a new excuse as to why I still have not received my reimbursement. FYI the closing is complete and this complaint is in regards to them not following the terms they outlined in the complaint resolution. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
XX/XX/21 I called Harris and Harris Ltd regarding cliam number XXXX. I spoke with a woman I was explained to her that I was on XXXX insurance now. I cant pay this debt. I dont live in Louisiana anymore. She said I see you trying to control this conversation but it doesnt work like like that. So I disconnected before she could cause me more emotional harm. I felt XXXX  and XXXX  by her tone of voice. She was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is a subsequent complaint to a complaint filed a week ago regarding inaccurately posted mortgage payments. I requested a full ledger of my account, escrow account and XXXX account for review. I am refinancing my loan with another lender and instead of sending me the requesting information, they sent me a payoff notice which does not suffice since I feel it may be inaccurate due to how they applied my $ XXXX payment made. The lender is completing my closing documents and we're still waiting for XXXX to send this information to me since I can't seem to pull 12 months of statements from the website. They are holding up the closing process.

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 2021-11-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the complaint requests, the unverified negative account listed below is still reporting on my credit report in violation of federal law. I have not recieved any response about the letters i sent, dated last XX/XX/XXXX, XXXX.The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Credit Bureaus as willful negligence and non-compliance with federal statutes. Please remove the following account completely from my Credit Report : XXXXXXXX XXXX-Balance XXXX XXXX-Date Opened : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.

Complaint narrative:
I was a client of BBVA bank, which was purchased by PNC bank. I received a letter from PNC stating that as from the date of the takeover, I would be able to access my account on PNC using the same user name and login I used to have for BBVA, but this is absolutely not true. I called the number indicated by PNC and the person told me the only way I could get a new pin to access my account was to send a letter to the bank in XXXX and wait for a new letter with a pin. Sent the letter, never got a response. Then I received an email from a so called " Case Manager Retail Support '' asking me to get in touch. I called several times, replied the email with my contact info and never got a call back. I am still unable to access my bank account and I have mortgage payments being debited in such account, I need to have access urgently. The bank renders a lousy service and simply ignores the clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I purchased a treadmill from XXXX and financed it through Affirm. After the Affirm loan was paid off, the treadmill was recalled and XXXX refunded Affirm my full amount. This was 90 days ago and Affirm has not refunded me the {$4000.00} that they owe me. I have reached out to eveyr person I can at Affirm, and they are simply keeping my {$4000.00} which they are not entitled to. 
Affirm is corrupt and fraudulent in their business practices. 

Affirm emailed me to say they were refunding me, but it is just further evidence of their XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This is the first that I heard about this company. It appears on my credit report without proper communication with me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 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: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2021-11-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: WV

Complaint narrative:
I'm a closing attorney. I need to receive a payoff of a reverse mortgage from XXXX for an upcoming closing. I sent a request for a payoff for an upcoming closing on XX/XX/2021 to XXXX. I have not heard anything back. I attempted to call and was on hold on XX/XX/2021 for 2 and 1/2 hours. I attempted to call on XX/XX/2021, and waited an hour and no one picked up. This closing is scheduled for XX/XX/2021. The borrower has lost out on 2 potential previous sales of the property due to lack of payoff information. The previous closing attorney has been waiting since XXXX for payoff information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I made what I thought and confirmed with operators assistance my last payment of {$470.00} confirmation # XXXX XXXX! Then they sent me another bill XXXX for additional payment of {$440.00} and I immediately called and asked what is this is for when I have paid them my payoff amount? And she says you owed this more amount and I asked why and they couldn't give no descent answer. I talked to XXXX people with no descent answer my records show that I did meet my obligations, that I hope to show you with process! I did pay the remainder amount because I didn't want to mess up my credit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
I sold my home and the payoff was received by the mortgage company a day or so late after the closing resulting in a negative credit bureau report to my spouse and this has affect several financial matters regarding our rates etc ... We closed on a new home and sold the home in dispute. Prior to selling we have NEVER been reported to the Credit Bureau for negative payment history. The Company is Standard Mortgage in XXXX XXXX, La. We had been customers for 18 years and maintained an excellent payment history. The closing of our home was on the XXXX with the disbursement date the same day. Payment was received a few days late, but it was the final payoff. After getting notified by all 3 bureaus our score dropped over 80 to 90 points on all reports. I tried to communicate this to the Representative XXXX XXXX and he was rude and refused to even consider despite my providing all the financial documents regarding our closing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2021-11-19 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: GA

Complaint narrative:
XXXX of XXXX ran my report hard inquiries without my written permission. I verbally gave permission for them to run once to look at. After I declined there offer they continued to run my credit with different banks without my written permission. Which resulted in my score dropping XXXX points according to XXXX I called and spoke with finance manager whom argued and lied to me about doing it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
Over the past month, BB & T and Sun Trust Banks have merged to form Truist. Truist bought or obtained XX/XX/XXXX of conventional mortgages in the process. Truist then forced everyone to switch to their online platform and app in order to make payments for all mortgages, because they have no brick and mortar stores ( only online ). The Truist App and the online Truist platform do not accept online payments because the designs are flawed. I have tried to submit payments online and via the app every day since XX/XX/XXXX and the website and app just crash. The only way to submit payment is to call and wait hours on hold before you can talk to a person and submit payment. On the phone call, the tech support state that they know about the issues, that they receive calls all day about the app and website not working, and yet they have no resolution. Truist should not be allowed to buy and service loans if they are unable to provide a platform to help customers pay, track payments, and get the help they need. They certainly should not be allowed to charge anyone a late payment penalty or report missed payments to the credit bureaus if they don't have a way to make payments. Truist should be shut down immediately.

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 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, I was hired by this company called XXXX XXXX by a man called XXXX XXXX. He said I was hired and that they were going to send me 2  checks for the amount of XXXX XXXX  to buy the equipment. Well, the checks were fake, the man was fake and the checks of course bounced. I called Bank of America explained what happened and they told me it will take 90 business days for the claim to be resolved and possibly get a refund and my account back to the way it was an not negative {$1900.00}. The holidays are coming and I have more than enough proof that I was scammed. I will attached everything I have and hopefully I can get this resolved earlier than 90 days.

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