vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FREEDOM FINANCIAL NETWORK
State: MI

Complaint narrative:
I started with Freedom Debt Relief in XX/XX/XXXX after trying to maintain minimum payments on a long list of credit card accounts. 

I was having a hard time making headway making minimum payments on our cards and needed to find some relief. I thought that going to a Debt Consolidation place would be the best fit. When I attempted to sign up, I wanted to get approved for a loan to consolidate all the debt, they told me I did not qualify for a loan which I believe was just a ploy to get me into their settlement program. 

I had no other options at that point but to do the settlement program. Prior to this, I had no late payments on any of my accounts and was told to stop making payments on my accounts so that they could go delinquent, it was only then that FDR could assist on my behalf. I enrolled my debt and continued making payments monthly to FDR who began settling my debts. 

In the fall of XXXX, they reevaluated my account and said based on my current settlements outstanding and the monthly payment I was making, they would need to extend my program from the initial 4 years to pay off because of all the extra fees and interest that accumulated. They then suggested we try the consolidation loan again and I was approved, but at a super high interest rate. 

Today I am paying XXXX a month on a XXXX $ loan and it is absolutely killing me. My credit is absolutely TANKED, I can not get approved for any type of loan that would help me get out of the situation that I am in with these high interest payments because of all the delinquent payments that are now showing on my credit report. 

I am stuck. I am tired of living pay check to paycheck. I feel like FDR totally scammed me and in the end has ruined my previously stellar credit reporting history by their " stop paying your payment '' tactics only to get me to pay " settlement fees '' to them and now higher interest. In the end, I will probably be paying more on this loan then I would have with the credit cards if I handled them individually.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS AND INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Progrexion Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I spoke with XXXX from the billing department. Agent states I was enrolled on XX/XX/XXXX and paid twice XX/XX/XXXX and XX/XX/XXXX in the amount {$99.00}. XX/XX/XXXX I upgrade my plan to repair advance {$110.00}. My services was ended on XX/XX/XXXX. I ended my services with them, they were doing absolutely nothing to improve my credit report. I felt advantage of. I would call to get updates on my services, nobody from CreditRepair.com didn't provide me with no information. The only time call me was to collect my payment. This company is money hungry and lazy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681, 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 public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX, I used XXXX XXXX to send my son ( XXXX XXXX XXXX ) money ( {$1000.00} ) to bail his son out, I've used this company in the pass, ( NO PROBLEM ). When I asked him is he received the funds, the reply back from him was NO. So, I tried to backtrack and cancel the request, no trace of the money on my end or my son. We could not locate or find the money. XXXX XXXX about 2 days later, text us and ask what could they do to help. The communication was horrible, they would sent text messages, and REPLY back repeat-unable to contact you? It all sounded FISHY to me, so I filed a Fraud Complaint with the bank regarding my money. The teller informed me that it would take 30 days, i had copies the teller refuse to take, So, I FAX the copies to the Fraud Claims Dept. It's like they never took a look at the documents or question anyone At XXXX XXXX. Then before the 30 days was up they CANCEL the or CLOSED the CLAIM out. So, now I am without my {$1000.00}. It was like I never existed or came into the bank to file the complaint about this issue. I want my money back, they are federally insured, I am due that money it benefits I received from my late husband who served in the XXXX and was a 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 2021-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery Assoc at XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXXeen sending me collection notices in the amount of {$680.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.

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 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA REFUSES TO ALLOW ME TRANSFER MY FUNDS FROM MY ACCOUNT. THERE IS A SERIOUS ISSUE WITH THIS BANK. FIRST OF ALL, THEY DO NOT ALLOW ME TO PERFORM AN ACH OR WIRE TRANSFER. THEN, THEY SEND YOU AN E-MAIL TELLING YOU THAT YOU HAVE TO CALL THE FRAUD DEPARTMENT. THE FRAUD DEPARTMENT NEVER ANSWERS THE PHONE!!! 

THEREFORE, MY FUNDS ARE LOCKED INSIDE THE BBVA BANK AND THEY SIMPLY REFUSE TO MAKE MY FUNDS AVAILABLE TO ME. THIS IS OUTRAGEOUS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Client Services, Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX THE ACCOUNT LISTED ABOVE IS IN VIOLATION OF THE FCRA. I HAVE SETTLED IN FULL THE BALANCE ON XX/XX/2021. PLEASE SEE THE ATTACHED PAID IN FULL LETTER. I CALLED " CLIENT SERVICES '' WHICH IS A 3RD PARTY COLLECTOR FOR XXXX XXXX  AND THEY CAN NOT LOCATE MY ACCOUNT. I THEN CALLED XXXX XXXX  AND THEY ARE SAYING THE SAME THING. I HAVE PROVIDED A SCREENSHOT OF MY TRANSACTION HISTORY ON MY BANK APP AND A PAID IN FULL LETTER DIRECTLY FROM " CLIENT SERVICES '' AS PROOF. THIS ACCOUNT NEEDS TO BE DELETED FROM MY CREDIT FILE IMMDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My name is XXXX XXXX. My wife and I are XXXX and XXXX respectively. We are currently Platinum Rewards customers with Bank of America ( BOA ) and have been faithful customers for more that 30 years. Up until XXXX of XXXX our credit rating had been in the mid to upper XXXX. However, in XXXX of 2021 we received a letter from BOA stating that our credit rating was now in mid XXXX due to missed payment in XXXX and XXXX, 2021. 
As a result, our credit limit on our Travel Rewards Card went from {$14000.00} to {$3000.00}. Although the minimum payment was {$43.00} per month we paid {$200.00} each month. I want to add that in XXXX of 2021 I underwent a XXXXXXXX XXXX  and in XXXX of 2021 my baby brother XXXX from a sudden and massive XXXX XXXX at the age of XXXX. 
We consider these extenuating circumstances ( as well as I accidentally unchecked mailed bills on bank setting ) that resulted in our being late on these payments. 
I contacted a Vice-president of Complaint Resolution for BOA in XXXX of 2021 by the name of XXXX XXXX XXXX XXXX and explained our situation. My request to her was to consider our past reliability of XXXX late payments to BOA for ANY accounts for our entire history with the bank as well as the above mentioned medical and death in the family events. We wanted our credit limit on our travel card and our superior credit rating returned to their previous levels. Unfortunately, this request has been denied by BOA. This was not a satis My wife and I are appalled and disappointed that even during a pandemic and with life changing events as noted above, that a banking institution, that just recently in an email thanked us for being Platinum Rewards members, could not make a special allowance to restore our exceptional credit history and financial reputation. 
Is there anything that you can do to help us in matter?

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 2021-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Service Finance Holdings, LLC
State: AZ

Complaint narrative:
My husband recently became very ill and was hospitalized until death. During this time, our family members took over control of our finances and misappropriated our funds in our bank accounts. I was unaware of this until today, when looking at my credit report to see what was not paid. I have filed fraud charges and filed a report for elderly abuse. No one will help me. My husband is dead and I am trying to pick up the pieces.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: FL

Complaint narrative:
I applied for a rental property and the score showed as XXXX but the credit report that I have from XXXX is XXXX and XXXX  is XXXX therefore I was declined for this property.,

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 2021-07-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Debt collector is withholding insurance proceeds of {$8100.00} from me. It was my insurance policy. I put money out of my pocket to pay for the home repairs after the XXXX and I am the one who negotiated with the insurance adjuster, met the follow up inspector and submitted my claims for the recoverable depreciation. The {$8100.00} collected is due me - the consumer - not the 3rd party debt collector. Each check sent in was done so via Special Deposit Trust Relations for the benefit of the beneficiary, ie me. Please help me get this returned. I am submitting this request in a good faith attempt to resolve this issue administratively. If necessary, I will go to court next. Thank you kindly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Aqua Finance, Inc.
State: AZ

Complaint narrative:
My husband recently became very XXXX and was XXXX until death. During this time, our family members took over control of our finances and misappropriated our funds in our bank accounts. I was unaware of this until today, when looking at my credit report to see what was not paid. I have filed fraud charges and filed a report for elderly abuse. No one will help me. My husband is dead and I am trying to pick up the pieces.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/2021, I purchased a dress from a vendor in XXXX XXXX XXXX XXXX XXXX, via debit card and XXXX, for {$350.00} USD. 

I received the dress on XX/XX/2021 in a XXXX shipping bag. There was no customs paperwork, no invoice, and no documentation inside the package. The package was brand new and certainly did not appear to have made the trip from XXXX to XXXX, Oregon. It had no customs marking on the package. 

The dress inside was wet, foul smelling, moldy, and crumpled up with a wet piece of filthy tissue paper. Minutes after opening the package, I called XXXX and asked for a delivery person to inspect the package and the dress. I was told by XXXX, it was my problem and I would need to take it up with the vendor. I called my bank, US Bank, immediately and started a claim on the purchase. US Bank issued a provisional credit. There was no phone number for the vendor so I sent a series of emails that were not responded to over the course of several days. US Bank mistakenly pulled the provisional credit from the wrong vendor. It then released the provisional credit back to the vendor. I called US Bank and they reopened the claim and reissued the provisional credit -- again from the wrong vendor. I have spent over 15 hours on the phone with US Bank ( not including the time spent on the [ phone with XXXX and XXXX XXXX trying to get this claim resolved and to clear up the bank 's mistake regarding issuing the provisional credit against the wrong vendor. 

Every time I speak with someone at US Bank I am told contradictory and incorrect information. I get endlessly transferred from one person to another, one department to another. Most of the time I hear, " that's not my department, you need to speak with someone else. '' I also have to reexplain the whole situation each time I am transferred. I have spoken with at least ten different managers, customer service reps, fraud specialists, and claim specialists since XX/XX/2021 without any resolution. 

I have very serious concerns about the competency level of everyone at US bank I have spoken to regarding this issue, where one vendor is denied the money she is rightfully owed and another benefits from this incompetence at my expense.

No US Bank manager seems to be able to fox this problem. Please help me to get the innocent vendor paid and my claim resolved.

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 2021-07-12 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: Mountain Run Solutions, LLC
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation