vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Applied for a HELOC with Bank Of America on or before XX/XX/XXXX. My credit was pulled and impacted on XX/XX/XXXX. I was called by a BOA rep to discuss my application the week of XX/XX/XXXX and was told I would receive a call back to order a valuation within a few days. No one ever called so I called back and again was told someone would be reaching out to me shortly. I waited a few days and went into the XXXX branch as was told no one there could help me and that I had to call the HELOC line. I then called back again and for the 1st time, was told that it would take 11 weeks to have my application reviewed. I went back to the XXXX branch to speak with a manager ( XXXX XXXX ) who said he would have to call me back after researching. He called me today to explain that due to staffing, the wait time is 11 weeks. 1. They pulled my credit prior to explaining the timelines and this had adverse impact to my score as well as taking away an opportunity to go elsewhere with my credit request. 2. From the attachment provided from my BOA application website, it shows ( And always has shown ) that only one item is needed for a credit decision. A reasonable person could assume that, based on my preferred status/relationship with the bank, the amount of money I have in deposit accounts with the bank and my excellent credit score, the information on the website is true and we are only waiting on a valuation that they have yet to order. If so, they will be in violation of my ECOA rights because I will not have a credit decision with- in 30days from application. This has been a horrible customer experience and I feel I was trapped into completing an application with Bank of America. I do not want multiple inquires on my credit and would have not completed an application with Bank Of America if they would have proactively informed me of their 11 week turn around time to just get a representative assigned. I have tried to work with Bank Of America on a resolution but it seems like they care more about tracking the complaint rather than assisting with a resolution. I was called back just to be provided with BOA Complaint intake case # XXXX, but with no further assistance as again, someone else will need to call me 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 explanation
Consumer complaint received 2021-11-29 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: CO

Complaint narrative:
FED LOAN SERVICING Hello, I can not reach fed loan servicing for over 2 weeks!! I have been placed on hold for an hour plus at least 4x, I have selected call back when next in line, not one call back and I have emailed 3x! I know they are selling the loans to a new lender but my payments start in XXXX and I have no idea who they are going too, and I have submitted a PSLF form that I'm unsure if they applied correctly. In addition, I have submitted 4 PSLF forms and I received a message from the US department of education that only one has been counted ( which makes no sense as I work for public schools and all have been from public schools, full time ) PLEASE HELP ME!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021, I noticed that withdrawals had been made from my Wells Fargo Savings and Checking account in the amount of {$98000.00}. These daily withdrawals in the same amount had been going on for several months, made by the same individual using XXXX. During this time I received only XXXX email from Wells Fargo, saying that money had been take out via XXXX. Having never heard of XXXX, I assumed it was a scam. Wells Fargo has determined that I authorized these transfers, but has never answered any specific questions about how this authorization took place, or any information about a phone number unknown to me that had been added to my account. I am working with a local police detective as well as an attorney. Neither has received any satisfaction from Wells Fargo. The Florida Attorney General 's office suggested that I submit a complaint to your office.

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate 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 non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: ND

Complaint narrative:
I contacted BB & T about XXXX week ago around XX/XX/XXXX and again later that day regarding a payoff amount of our vehicle loan, I needed verification sent to me or my other lender showing what the payoff amount is, BB & T was not able to provide me with this information via email or fax, they only could verbally. No lender in history will accept anything verbally when applying for a loan they want to see PROOF which is totally understandable. I called BB & T again today XX/XX/2021 to pay off the loan in the amount of {$15000.00} they told me it would take approximately XXXX days to process, I then asked if they could send me an email showing that the loan was paid in full to me or my lender and they told me that they could not do that either. I have never ever heard of such a thing. This is MY loan and I make the payment every month. I should be able to request any type of information regarding MY loan account when needed. BB & T needs to change there policy regarding this matter along with hiring more employees to answer phones, I waited and hour each time I called for them to tell me I cant get what I need from MY loan account. Seriously the most ridiculous thing ever and I DO NOT recommend anyone to BB & T.

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 2021-11-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Expetrian dropped my XXXX  credit report, dropping my fios XXXX points, and reporting incorrect % of credit usage and available credit.

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 2021-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc.
State: NC

Complaint narrative:
Received notification about a collection account on my credit file. No validation that the debt belongs to me. This company is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX and I was a customer of Best Buy/CitiGroup when I opened my account I called their representative to set up auto pay and asked what amount should be automatically take out of my bank account the representative calculated and said X amount of dollars I paid more than what was told, so I was set up for auto pay 3 months later I purchased another TV and continued making payments, now almost 3 years later they send me a outrageous interest fee stating that the money I was paying only was going toward 1 TV and not the other ( which I wasnt informed until today ) and when I spoke with the agent ( XXXX team XXXX XXXX ) she apologized and said that the representative may have miss calculated and that since I was enrolled in paper less I shouldve seen where the money was being placed ( like I would know what Im looking at ) and she even admitted that the only way I wouldve know is if I knew the verbiage in the statement, this practice is very deceptive and unfair for the consumer its a trap I have multiple credit cards and never hav I had a issue like this, if you could please look over this matter for me, Thanks

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 2021-11-29 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: NC

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, I disputed the information reported by the TransUnion with the XXXX XXXX XXXX XXXX XXXX department and received a response on the aforementioned dates. I was notified via email that the creditor would contact TransUnion to remove the closed date of XX/XX/XXXX. This account is open and current. To date from the initial email from the creditor TransUnion has failed to remove the closed date. I feel like these disputes are being totally ignored while my credit score suffers the impact of inaccurate reporting.

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 2021-11-29 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: MO

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TX

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. 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 XXXX  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. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent a complaint to Equifax Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means XXXX failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$79.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Transunion Credit bureau has failed to respond about the removal of the erroneous information about My Inquiries. Sending them the last complaint dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my inquiries are continuously reported on my Credit Report. Therefore, TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX, XXXX. File XXXX Account Information : Account name : XXXX COLLECTIONS Account number : XXXX Original creditor : XXXX XXXX XXXX IN CO. 
Date opened : XX/XX/2021. 
Payment status : Paid. 

Hello my name is XXXX, XXXX was a collection from XXXX reported to my credit that I was unaware of. It is for an XXXX auto insurance policy I terminated in XXXX. Allegedly there was some unpaid balance on the account which I never received communication regarding. 

I believe this is because the policy is to an address I do not currently reside at and is also not listed on my credit file ( XXXX XXXX XXXX XXXX ), even though they had my new address. I proceeded to call XXXX XXXX insurance who admitted this mistake. I then got notice form XXXX insurance by email from XXXX XXXX XXXX stating if I pays, theyll instruct Credit Collection to remove the account from the credit report, since I was billed incorrectly. 

I then paid the account off and then after I called both XXXX and the collection company, I was told that they will not remove the account from the credit report. 

( SEE ATTACHED EMAIL CHAIN WHICH PROVES I WAS TOLD ACCOUNT WILL BE DELETED IF I PAID )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX has filed a lawsuit against me for a debt that I do not have or owe for card XXXX. I have made several attempts to resolve this. Including filing disputes with the company and the credit bureaus, but the company continues to assert that the debt belongs to me. The debt belongs to a different XXXX XXXX, but they have attached the debt to my profile and my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am submitting this complaint myself. There is no third party involved. This submission is an addition to the complaint I mailed in already against this company. 

I entered into a consumer close-end credit transaction with this company along with the dealership XXXX XXXX XXXXXXXX XXXX also  known as XXXX XXXX XXXX XXXX XX/XX/2021 for which the contract I was given lacks multiple disclosures and there are some billing errors that need to be fixed : XXXX. Billing error # XXXX in the contract is the number of payments and the amount of payments. Under Regulation Z also known as XXXX, the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me ; 2. The XXXX billing error can be seen on the XXXX XXXX ( The amount of credit provided to me or on my behalf ). The company should provide additional clarification, including documentary evidence, of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ) and Generally accepted auditing standards ( GAAS ) ; 3. Another possible error is the Seller-Creditor section of the contract where this company is not listed as the creditor ; 5. There was no diclosure or forms provided to practice my right to rescind in accordance with 12 CFR 1026.23 ; 6. There was a lack of disclosure about the finance charge in accordance with 12 CFR 1026.4, including not disclosing that it shall include all interest, downpayment, service fees, etc. and that the finance charge shall be the sum of all charges ; Learning these things after the consummation of the transaction, I took the following steps : 1. I provided both companies my notice of rescission of signatures within the timeframe allowed as specified in 12 CFR 1026.23 ( a ) ( 3 ) ( i ) ; 2. I provided both companies a notice of billing error in accord with Regulation Z, 12 CFR 1026.13 ( b ) ; The effects of rescission as required in accord with 12 CFR 1026.23 ( d ) have not been performed or notified/delivered to me, and I have not received further communication addressing any other points on this matter. 
Copy of the contract referenced above is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DIME COMMUNITY BANCSHARES, INC.
State: FL

Complaint narrative:
I recently received an email from Dime Community Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX and with whom I have a fairly large account. They informed me that I have been locked out of my account due to inactivity and that I must call in order reactivate it. I tried to login to my account and can not, I sent them an email via their website and I have called the provided customer service number, XXXX, on XXXX different occasions in the past week, including today, XX/XX/21, in order to reactivate my account and I have experienced wait times in excess of XXXX hours on each occasion ( currently in excess of XXXX hours on today 's call ) without a service agent ever picking up or response from Dime of any kind. They are making it impossible for me to access my account as they provide no other options in which to reactivate the account other than by calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I opened a new checking account with Wells Fargo based on a promotional offer I read on a blog called XXXX XXXX. In essence for new customers such as myself, if we direct deposited a total of {$1000.00} within 90 days of opening the account we would be given a bonus of {$200.00}. The blog stated that the bonus would be credited within 30 days of completing the requirements. I have enclosed correspondence with the blog author. From my own experience, once the required deposits are made, most banks credit the account within days. The checking account was opened on XXXX XXXX, XXXX and the total of {$1000.00} in direct deposits was reached on XXXX XXXX, XXXX, so I assumed that I would receive the bonus today, XXXX XXXX, XXXX. I spoke to Wells via phone since there is no way to access customer service except by phone which leads to many problems since the customer service people can not answer questions accurately as is the case here. The first rep named XXXX confirmed that I had fulfilled the requirements of the offer. In fact, to date, I have direct deposited over {$1500.00} to my Wells checking account. She insisted I must wait more time and so I asked to speak to a supervisor whose name was XXXX and she told me that once the promotion ends namely XXXX XXXX, XXXX, I would have to wait XXXX more days or until XX/XX/XXXX to get the bonus. Since Wells frequently extends this and other promotions that made no sense.

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