vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
I saw a charge on my checking account from Affirm on XX/XX/year> that I did not recognize. I contacted my bank about disputing the charge but was told that since it was an " ACH '' charge that it could not be disputed and that I would have to contact Affirm. 

I spoke to several representatives at Affirm, they are only able to look up accounts by phone number or email address and mine do not match any accounts so they claimed they are unable to assist further. After questioning them about what information is needed to for someone to create an account they made it clear that anyone with my bank account and routing number, which are on the bottom of every check I've written and not exactly secret, could use that information with their own email and phone number to make purchases without my permission and I would have no ability to make a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I spoke to a representative from XXXX XXXX  end of XXXX to make a payment. I advised her I would pay the XXXX XX/XX/24 that was due. She asked if I wanted to settle because the amount I was paying would do so. I advised her no I dont want to settle the account because I want it to reflect paid in full on my credit report. I will follow up with you next month to make another payment. I did not advise her I wanted to settle. I received an alert from XXXX XXXX stating an account closed recently and a letter in the mail dated XX/XX/24 stamped stating SETTLED IN FULL XX/XX/24. So I follow up with XXXX XXXX spoke with a young lady she stated that representative that took my call and payment was gone for the day so I requested to speak with a Supervisor. She stated no one was available she took my information and stated that a Supervisor will listen to my call then follow up. One month goes by I called back and spoke to Supervisor by the name of XXXX XXXX at XXXX. He stated because he wasnt at the location that representative that took my call he cant listen but he can contact someone who can. He stated that he will follow up with me the next day still no follow up til this day. I called him today XX/XX/24 left voicemail because Ive received a statement from XXXX XXXX stating Im past due with remaining balance if XXXX. No one has called to give me an update on the call and credit reporting. This is bad business practices. There shouldnt been a follow up call explaining to me the resolution but instead they send out a new bill statement stating Im past due and you guys never followed up with any or even to say we will be sending out new statement. Shame on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I applied for a Term Loan with Bank of America for my business, you can not apply for a loan without an assigned banker and they must be within your region. 

I was assigned to a Vice President XXXX XXXX XXXX XXXX in my area. I spoke with the XXXX XXXXXXXX regarding the purpose of the loan which is to expand the business and working capital will be needed to make it happen. My credit report from XXXX has a hard inquiry for a business loan On XX/XX/XXXX that I was not eligible for due to my business expansion not being a physical expansion. 

The XXXX XXXX XXXX did not know this information about the product they stated I was eligible to apply for, the underwriting team did not understand why this information was not informed to me by the banker. 

I was informed today, XX/XX/XXXX via phone a request was sent to have the inquiry removed, if the request is actually in review I do not know as I do not have any written notification that it is in review. 

The hard inquiry for Bank of America for XX/XX/XXXX must be removed from my credit report.

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 2024-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Go Companies, LLC
State: MS

Complaint narrative:
I was working with a mortgage company on getting a mortgage loan for a new construction. They knew the terms and conditions of the loan for months. I agreed to getting an appraisal of the land for {$590.00} before closing on the loan under the impression that everything was okay. The day before closing, I was informed that they could no longer do the loan. They will not refund me my {$590.00} back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX  ; Following a natural disaster I accepted an offer for a forbearance. At that time PNC was processing the hardship assistance over the phone. I was approved for a three month forbearance in order to help cover construction and roof repairs which had doubled post covid. It was confirmed in multiple conversations we were talking about a forbearance and deferral just as in covid. I suspect the PNC business systems and procedures were set for covid applications.

After two months of not making payments I noticed the wording in correspondence was changing. I called to verify were going to tack the 3 missed payments onto the end of the loan term. It was agreed it would be a deferral.

The next letter indicated I had to file a repayment plan. I called and was told that PNC changed their policy and that the forbearance had to be repaid immediately which has caused hardship.

After setting impossible repayment terms PNC destroyed my credit by turning in late payment info to the credit bureaus.

Unfair Business Practices?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Formal Complaint Regarding Unlawful Reporting by Credit Bureau Dear Consumer Financial Protection Bureau ( CFPB ) Team, I hope this message finds you well. I am writing to bring to your attention a significant issue I have encountered with a credit bureau regarding their reporting practices, which are in violation of the Fair Credit Reporting Act ( FCRA ). 

I recently sent a formal request to the credit bureau for the removal of negative accounts, some of which were identified as fraudulent, from my credit report. Despite my clear instructions and legal rights under the FCRA, the credit bureau has failed to comply with these requests. They continue to report derogatory information that lacks proper evidence, physical verification, and certification, which is a direct violation of federal law. 

Furthermore, I have requested evidence supporting the existence of certain items on my credit report, such as contracts, notes, or documents bearing my signature. Instead of providing this evidence, the credit bureau has resorted to sending standardized response letters, further indicating their disregard for my rights as a consumer and their obligations under the FCRA. 

I insist on the immediate removal of these unlawfully reported allegations and request a thorough investigation into the credit bureau 's practices. I also seek disclosure of the names, addresses, and telephone numbers of each credit grantor or subscriber associated with my credit report. 

As per federal law, I understand that the credit bureau has thirty ( 30 ) days to conduct a re-investigation. Within fifteen ( 15 ) days following the completion of this re-investigation, I request a detailed description of the procedures used to determine the accuracy and completeness of the information provided in my credit report.

I believe that by addressing these issues promptly, we can ensure fair and accurate credit reporting practices, benefiting consumers and upholding the integrity of the financial system. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
At purchase we bought a warranty for {$2000.00}. We cancelled within the approved period. The warrant company - XXXX - supposedly sent the check to the lender in XXXX of 2023. Nissan XXXX has said they see the funds and over 7 calls and 6 months have failed to credit the money to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: PA

Complaint narrative:
I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
XXXX XXXX sent my Mortgage loan to a new Servicing Company named Mr Cooper which was breached during the transfer of many mortgage loans like ours. I asked for all paperwork Mr Cooper received plus an amortization schedule since Mr Cooper sent notification that the Taxes & Insurance in the Escrow Account was not adequate and raised our monthly payments. I questioned why but got run around with no answers. I Called again asked if I can close escrow account & pay my taxes & home owners insurance myself. Response was I can understand why being on a fixed income that having to pay two months in advance of Escrow would be concerning. I asked for all paperwork to determine if we had indeed been paying 2 months ahead into our Escrow Account but in the mean time received notification that our Escrow Account would be returned to us unless we contacted them by XX/XX/scrub>XX/XX/2024 to stop the ending of the Escrow account. The letter arrived on XX/XX/scrub>XX/XX/2024 and I called them to stop the process of closing the Escrow account. I was assured twice that they would not close the Escrow Account since I called & asked to wait until the paper work was sent that I requested many weeks before. Then I received a notification by mail saying they did close the Escrow Account & a check would be sent to us for the amount that had been in our Escrow account. I again called asked why did you close our Escrow when you assured me that you would not? They have no information about my previous call but I did have the name of the person I spoke with & date & time of my call. They now say do not make your next month payment until you receive the check then call us back to void it before making your regular monthly payment. I expressed concerns about their untimely paper work and asked are you sure the Escrow check will be here before the next monthly payment is due on XX/XX/2024 and was told it should be here by then. When asking what I should do if the check does not arrive in time I was told to not be concerned. I am concerned since it took 3 months to get even part of the paperwork I asked for months earlier. We have never been late on a mortgage payment and have good credit and do not want our loan to be in default. What more can I do the clock is ticking and I have done so much to try to make sure that during the breech some of our payment history was not lost. Thank you fir any advice you may be able to offer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I recently opened a spend and a savings account with Karma Money. I had my tax refund and a portion of my payroll being deposited into the account. I have had nothing but issues trying to access the funds. 

An auto loan payment in the amount of {$470.00} coming from XXXX XXXX XXXX XXXX was rejected on XX/XX/XXXX causing the auto loan to be reported as 30 days late on credit and caused a {$30.00} fee from XXXX. When I called Karma Money, they told me that it was an automatic rejection due to an amount being changed after it was submitted. XXXX is telling me that it shows it was rejected for insufficient funds. I had over {$4000.00} on deposit with them at the time. 

On XX/XX/XXXX a payment in the amount of {$130.00} was rejected and on XX/XX/XXXX a payment in the amount of {$1400.00} both for XXXX. These rejections caused a late fee and additional interest to be charged to the XXXX account. When I called Karma Money, I was told that neither of these payments are even showing on their system. When I called XXXX, they told me that both transactions were rejected with no code.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I reached out to USAA about a promotional 0 % interest card on XX/XX/year>. I submitted a balance transfer to a telephone representative on that day. I was told the transfer to my new USAA card was submitted to the other card to finish the process and the amount of months my 0 % interest .would be available. Upon receiving my first statement in early XXXX I noticed the only amount on there was the was few purchases I made. When I contacted USAA on XX/XX/XXXX I was told they have no record of a balance transfer, I was never contacted by anyone at USAA stating that there was a problem with the transfer or that it wasn't submitted. Obviously the associate I interacted with on XX/XX/XXXX just signed me up for a card at 16 % interest and did not submit the balance transfer. I immediately closed my USAA card which will most likely affect my credit score. Thank you, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received notification that my savings account had been frozen due to irregular activity. I received a response from SoFi Bank, N.A. dated XX/XX/XXXX. In the complaint they cite the SoFi Deposit Account Agreement noting the right to restrict the account if we identify suspicious, irregular, unauthorized, fraudulent or illegal activity They noted that the Member Security Team was handling this investigation and that I was entitled to reach out to the Member Security Team at XXXX. I have enclosed their response with this letter. 

There was a singular irregular deposit made to my account that I am unaware of who was the intended designee and do not dispute that these funds were not intended for me. This transaction entitled XXXX XXXX XXXX XXXX in the amount of {$880.00} remains unclear to me who it is intended for. SoFis own website interface for questioning a transaction provided no way to provide information to the bank or question a deposit short of calling and speaking to Customer Service. Indeed, the funds were left in the account expecting this transaction to be reversed. I have enclosed a log of activity/deposits to the account with this letter. 

All other direct deposits were made by spouses employer ( XXXX XXXX  XXXX XXXX ) to our bank account for payment of his work ( XXXX XXXX ). The deposits entitled XXXX XXXX  XXXX XXXX reflect my spouses work and the 2 separate transactions reflect 2 separate paychecks on a regular basis. 

I have received complaints from the bank through the OCC noting that they intended to close the account as of mid XXXX and confirmed via update of this intention XX/XX/XXXX. I was highly disappointed to speak to the member security team on XX/XX/XXXX and be told only 1 ) that there is no update, 2 ) I could not have any timeline of when there would be an update and 3 ) if I wanted to know if there was an update I would have to call back and then I was hung up on. SoFi Financial has told regulators repeatedly that they have made the determination that the account would close but has made no effort to actually provide the funds back to the account. There were only 3 separate payor sources on the accountXXXX GA, a carwash deposit and my initial funding deposit. In terms of investigation we are over 30 days from when the final determination was made to close the account and over 90 days from the initial notice that SoFi intended to close the account. Per the response from the OCC, it stated that HR of one employer had already been contacted leaving only two additional transactions to work on. How long could that reasonably take? If I had funds that were not mine, actions would have been taken in days to weeks, not months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Paid American Express the full amount of debt of {$10000.00}. Advised the live chat agent I would be paying this in full. The day I paid in full they cancelled my account and refused multiple attempts to reopen the account. Then i just happen to log into the account an notice there is another interest charge of {$99.00}, there was no warning from the agent that this was going to happened and it appear on my credit report since it wasn't paid. WHY XXXX XXXX WOULD I CHECK AN ACCOUNT THAT WAS CLOSED AND PAID IN FULL. I have since talked to an agent on live chat, on the phone and a phone supervisor who have failed to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX XXXX Credit Line : {$300.00} Balance ; {$1200.00} Opened : XX/XX/2017 This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.

Company response to consumer: Closed with explanation