vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent factual disputes to the credit bureaus only for them to leave several items on my reports and claim they were " validated ''. They provided no information of how the investigation was completed, only that it was verified by the creditors. I pull copies of my report every month, and I have informed them that there are several blatant inaccuracies in my report that they continue to " verify '' as accurate with every round of disputes. They have inconsistent account opening dates, inconsistent Date of Last Activity dates, credit limit or high credit amount inaccuracies, and yet they continue to report these on my credit report. 

In addition to these inaccuracies, they are listing addresses that I do not reside at, and incorrectly formatted DOB, as well as having the wrong name on my credit report. Since I share the same name as my father and grandfather, how am I to know they aren't reporting stuff from them to my report if they wont list my name correctly on all 3 bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a fraudulent account on my report, both XXXX and TransUnion. I have filed a police report and was sent to Bank XXXX XXXX, TransUnion and XXXX. I also filed a FTC report and send it with requested documents to the companies mentioned above. They did not remove the account and they are saying that the account belongs to me ( and thats what the creditor said ). I have been dealing with this issue for the past 2 years. I have done everything I asked to do including : XXXX police report XXXX FTC report XXXX dispute the account with creditor XXXX dispute the account with credit bureaus XXXX submitted supporting documents XXXX submitted identifications documents XXXX XXXX XXXX is claiming the account is mine, I have never had this account with them, once I new about the account at the time I as applying for a loan I contacted XXXX XXXX XXXX and reported this XXXX account XXXX I also went to the bank in person as I was instructed and followed all XXXX XXXXXXXX XXXX procedures to remove the account with no luck. 

Account number XXXX ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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: CA

Complaint narrative:
I have a fraudulent account on my report, both Experian and XXXX. I have filed a police report and was sent to XXXX XXXX XXXX, XXXX and Experian. I also filed a FTC report and send it with requested documents to the companies mentioned above. They did not remove the account and they are saying that the account belongs to me ( and thats what the creditor said ). I have been dealing with this issue for the past 2 years. I have done everything I asked to do including : 1- police report 2- FTC report 3- dispute the account with creditor 4- dispute the account with credit bureaus 5- submitted supporting documents 6- submitted identifications documents XXXX XXXX XXXXXXXX is claiming the account is mine, I have never had this account with them, once I new about the account at the time I as applying for a loan I contacted XXXX XXXX XXXX and reported this fraudulent account . I also went to the bank in person as I was instructed and followed all XXXX  XXXX XXXX procedures to remove the account with no luck. 

Account number XXXX ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: WI

Complaint narrative:
XXXX practice 'XXXX XXXX  '. XXXX XXXX  '. as recognise more insidious forms of XXXX that counter a very real impact on the employment chances, pay, health and finance of XXXX minorities. 

During the coarse of my tenure with XXXX they adopted acts to discredit and discriminate my account because I made all my payment timely, they seeked to perform acts to remove any all account related to my name to systematically discriminate me from financing another vehicle with them because of ny XXXX 

XXXX would note ny accounts as past due or completely remove my account from their system to enact XXXX XXXX, due to lack of protection by Congress and/or The Department of Justice for systematic XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On 4 separate occasions Ive called Bank of America to reverse a payment made in error to a closed credit card account. Each time the representative has promised the reversal would be done in 24 hours and each time that has not happened. This has caused me to have to move money or miss payments to employees as its been going on nearly 3 weeks with no resolution, On the last occasion I went to the bank 's financial center only to be told by staff that they don't have " access " to business accounts??

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 monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I can not pay anything I have been out of work for 14years because I am a caregiver for my son who is non verbal autistic and have have only one income from my husband

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On Tuesday, XX/XX/22 I contact Bank of America regarding multiple fraudulent charges on my checking account in the amount of {$1500.00}. A new debit card has been issued on the account and sent to a entirely different state then my state of residence. The person receiving the card bought groceries then made 5 ATM Withdrawals to drain the account down to {$7.00} and some change. A fraud claim was filed and I was informed that a provisional credit should be issued within 3 to 4 business days. I called today, XX/XX/22 to check the status of the claim and to make sure that multiple bank fees stemming from this fraud would be credited as well. I was told by the person I spoke to that it will be up to 10 business days to see a provisional credit on the charges. An hardship escalation was offered and requested by the rep but this will take 1 to 4 days to process. 

Bank of America has been very misleading about how long this process takes to resolve and get access to my funds back.

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 monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: WI

Complaint narrative:
Plant Home Lending decided on their own to pay our property taxes on an annual payment when we decided to pay them in installments. The decsion to pay in installments was made at the closing table, we signed a form for this to happen. Now that they decided to pay in annual payments they have increased our mortgage payment from {$1500.00} a month to over {$2000.00} a month because of the escrow shortage they created. 
We have been calling them and talking to their escrow department since early XXXX of XXXX. Property taxes arent due till XX/XX/XXXX, semi annual payments due XX/XX/XXXX and XX/XX/XXXX. We have been calling customer service and their escrow department every 7-10 days that is becasue they said they were working on a resolution and it will take this long to process. it has been over 60 days as of XX/XX/XXXX. Our last call was on XX/XX/XXXX and they stated that the escrows are now setup for the semi annual installment plan. Now as of XX/XX/XXXX Planet Home Lending decided to at some point on the XXXX of XXXX to make the full payment. Planet Home Lending has now created a financial hardship becasue they couldnt correct a mistake they made for over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a fraudulent account on my report, both XXXX and XXXX. I have filed a police report and was sent to Bank of America, XXXX and XXXX. I also filed a FTC report and send it with requested documents to the companies mentioned above. They did not remove the account and they are saying that the account belongs to me ( and thats what the creditor said ). I have been dealing with this issue for the past 2 years. I have done everything I asked to do including : 1- police report 2- FTC report 3- dispute the account with creditor 4- dispute the account with credit bureaus 5- submitted supporting documents 6- submitted identifications documents Bank of America is claiming the account is mine, I have never had this account with them, once I new about the account at the time I as applying for a loan I contacted Bank of America and reported this fraudulent account . I also went to the bank in person as I was instructed and followed all Bank of America procedures to remove the account with no luck. 

Account number XXXX ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX  ( aka XXXX Payments ) refunded to my account {$11000.00} that I have a refund slip. It was sent to the original account XXXX XXXX Credit Card XXXX XX/XX/XXXX. The account was closed and Paid in full XXXX, XXXX. The re-assigned cc number is on my credit report. I have called so many times to Comenity bank and the same thing over and over is stated. You do not have a credit card with Comenity Bank. I have the listing on my credit report and I have a credit card statement with my name, account number, address, etc. I paid off the {$11000.00} in XX/XX/XXXX. I did so because of interest, etc. There is a whole long story behind this. XXXX XXXX  REFUNDED THE MONEY TO COMENITY BANK XX/XX/XXXX. They stated their policy is to send to original purchase point. I have a dialogue with XXXX XXXX. I sent a USPS Priority Mail packet with all the documentation I have to Comenity Bank 's po box in XXXX, OHIO. I received a letter back that the account is closed and the balance is zero. So what happened with the {$11000.00} refunded by XXXX XXXX. I have documentation to support my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent written request to validate the validity of the information used to validate these accounts they have on my credit report on XX/XX/2021. I have made several calls to TransUnion. They have been very rude. I was hung up on then told " I can't help you and put on hold with no one returning to the phone. I can't understand why is it so difficult to provide me with information that show 's that these are my accounts if they have this information.

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 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
See attached package including a True Bill, received by company as verified by XXXX XXXX of Mailing Form 3817 with a postmark date of XX/XX/2021. 

XXXX received the instrument and responded ( see last page of packet attached ) by saying they were ceasing and desisting all collections and have returned the account to their client.HOWEVERThey, along with their client, USAA have kept the instrumentwhich facilitates discharge according to UCC 3-603 Tender of Payment. They did not send back anything other than the correspondence attached. 

Not only have they and USAA violated numerous 15 USC laws such as : 15 USC 1692c ( a ) Communications without prior consent. {$1000.00} 15 USC 1692c ( b ) Communications without prior consent with third parties {$1000.00} 15 USC 1692c ( b ) Communications without prior consent with third parties {$24000.00} 15 USC 1692b violation stating consumer owes debt {$1000.00} 15 USC 1681b Furnish consumer report circumstances and no other {$1000.00} 15 USC 1681s Responsibility of furnished of information {$1000.00} 15 USC 1692e debt collector {$1000.00} 15 USC 1681i treatment of inaccurate / unverifiable information {$1000.00} They have sent these documents through the United States Postal Service [ 18 USC 1341, 1342 As of the date of this complaint, neither XXXX, nor USAA has returned the instrument tendered on XX/XX/2021 as verified by the XXXX postmarked Certificate of Mailing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: Aargon Agency, Inc.
State: GA

Complaint narrative:
Aargon Agency Inc reached out to me last year about an account that did not belong to me. I explained to them that I was part of several major breaches and that this account was not mines. I let them know I resided in XXXX  and had not lived in XXXX  since XXXX. I briefly returned in XXXX after an injury before moving to XXXX  and I had no utitlies in my name. I resided with my mother. They said they would investigate and then I heard nothing else. Now it is on my credit report and I continue to dispute this information. The only person that could probably have an account in my name was my mom 's husband XXXX XXXX who has passed years ago but he was the landlord.

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 2022-01-14 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: TX

Complaint narrative:
Experian is showing a late payment on my credit file for XXXX account # XXXX in XXXX of XXXX. Also Experian is showing a late payment for XXXX account XXXX XXXX for XX/XX/XXXX after the account was reported closed. According to 15 U.S. Code 1666b.Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: MA

Complaint narrative:
XXXX I purchased a vehicle from CARVANA which this XXXX claims to have a easy and next day delivery process XXXX weeks is very unacceptable for a vehicle to be delivered first problem was the vehicles couldnt be registered in Massachusetts because they didnt renew their regulations for the state, which is absurd because this is a car delivery service unacceptable. This process has also costed me financial stress due to constantly rescheduling this vehicle delivery

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I purchased a camera for my business through XXXX XXXX XXXX XXXX. I had gotten my payment down to {$98.00} a month and the balance was around {$2700.00} in XX/XX/XXXX. My statement balance now ( XX/XX/XXXX ) is {$3600.00} with a monthly payment of {$130.00} due XX/XX/XXXX. 

No actions were taken by the company. The company seems very shady in their communications. This is a ripoff on the consumer.

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 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: LA

Complaint narrative:
I received a quote sheet from XXXX XXXX for a 2.625 % rate home mortgage refinance with XXXX XXXX XXXXXXXX XXXX on XX/XX/2021 ( XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I filled out and signed an application prior to XX/XX/2021. Since that time, I am told XXXX XXXX XXXX XXXX  was acquired by Simmons Bank and I received a new quote with a new origination fee that was not on the prior quote. During the acquisition by Simmons Bank, no loan officer would respond to any email or phone call for 21 days. Over the last four and half months, I have had 7 rounds of lengthy document requests ( averaging 20-30 documents per request ). Many of these documents I have provided 3 times as I am told they are now out of date. The typical pattern is I receive a document request and it takes 5-7 days to round up the 20+ documents to submit. I hear nothing for 2 weeks then there is a follow up request for supporting documentation which takes 5 days to round up and submit. After another 2 weeks of hearing nothing, I am told all bank statements + P & L 's + other documents are out of date and we need to start over. I have done this cycle three times and have hundreds of emails to prove it. During the last four and half months, mortgage rates have increased a full percentage point and there is no end in sight for the continual document request cycle. 

I do not understand why interest rates lock for 45 days but after 135 days I have not been approved for closing or denied, and I have now lost the favorable rate environment where I could have applied to another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I sent certified mail XXXX XXXX XXXX XXXX XXXX that was also notarized requesting that Experian remove any credit freezes and fraud alerts from my credit file. Experian failed to respond. In turn, I sent a second certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I also placed a call to their fraud department at XXXX today and was advised they received my correspondence but require my driver 's license and a copy of my social security card in order to remove the alert and freeze. When asked if they have a current copy of my driver 's license and social security card on file, the agent replied " no ''.

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 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am a XXXX XXXX XXXXr and our office is very busy. Portfolio recovery has attempted to call multiple times a day. This is intrusive and disruptive.

Company response to consumer: Closed with non-monetary relief