vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 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: PA

Complaint narrative:
late payments was placed on credit report which they shouldn't have i already try to fix the issue. my problem with these companies was not resolved 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( Pub. L. 90321, title I, 163, as adde

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 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: AL

Complaint narrative:
Hello, Thank you for your time. I did a re fi for my house in late XX/XX/2021. I was not due a payment until XXXX. I made a payment in late XXXX to ensure it cleared by the XXXX due date. This payment was never received per American Pacific Morg. I have the cashed check for {$960.00} and proof from my bank that it was endorsed. My bank has also stated the check cleared on XX/XX/2021. Note that first payment that was missing is XXXX cents short -- and I have paid additional principal each month. I called about this issue and the XXXX and XXXX statements that seemed like I owed 2 months of payment. I called and often no one answered or I was hung up on. I finally got a person who stated my account and escrow was set up wrong. That was not the issue. I have tons of emails and spreadsheets and copies of payment that I can provide. And in the meantime my loan was dumped over to XXXX and they are making me go through all of this all over. It has been highly irritating and I have spent hours on this now. In order to protect my spotless credit I had to make 2 payments in XXXX which was a hardship due to the pandemic. 

If you need any further information you can contact me at XXXX or my work email XXXX. Thank you for your time.

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 2021-05-04 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: NC

Complaint narrative:
XXXX - XX/XX/2020 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

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 2021-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I INQUIRED so I thought online with USAA Bank, about a loan to refinance a vehicle I currently have as a lease that the lease is about to end, and I was looking for interest rates. 
When I went to USAA site it took you to series of questions, and never did I know it was an actual credit application since I never put in my SSN There were no disclaimers that this was a actual " credit application ''. 
I was not looking to apply for a loan since my lease isn't up yet, just looking at options on financing. 
I was quickly denied in seconds despite ... 
My recent credit score was XXXX, I am in the end process of refinancing my home loan at a VA lender for a 2.25 % interest rate, Never missed a payment on USAA or any other credit I have which is, 1 other credit card, and a new XXXX loan. 
USAA is deceptive, and I want a letter that this was not a credit inquiry, they claim to serve military, but my opinion is they play off of it for their own benefit! 
The people I spoke to never offered resolution, I pride myself on good credit and have served XXXX years in the military

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Partners Financial Services Inc
State: FL

Complaint narrative:
on XXXX i sent this collection agency a certified mail concerning the validity of this account. They have failed to validate this alleged debt and i contacted the original creditor they cant verify this debt. Partner XXXX is in violation under 15 USC 1692g and i am requesting the removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: CA

Complaint narrative:
I'VE BEEN TRYING TO GET THE CREDIT BUREAUS TO DELETE THESE ACCOUNTS THAT WERE NOT OPENED BY ME REMOVED FROM MY CREDIT REPORT SO I CAN REFINANCE MY HOME.

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 2021-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/21, I visited the XXXX XXXX XXXX website and applied for credit. When I submit the application, XXXX XXXX  said that I was denied by them but PRE APPROVED with XXXX XXXX and sent me directly to complete the application. I complete the application and XXXX denied me. As a result of the misinformation and misleading lie that XXXX gave me about being preapproved, I ended up with two inquiries on my credit report and denied for both lines of credit. I would have never applied to XXXX has they not lied and said I was preapproved and since my credit was ran giving me the preapproval already, I did not think my credit would be ran again. I tried to find contact information for either company and could not.

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 2021-05-04 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: TX

Complaint narrative:
Equifax, XXXX  and XXXX are all in violation of my consumer rights. See the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
Consumer Financial Protection Bureau, Ms. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ph XXXX fax https : XXXX XXXX : Individual Account XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
XXXX XXXX : XX/XX/XXXX. Set-up on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX original amt. {$100.00} Identity theft/unauthorized account opening / Fraud This is in regards to follow-up response and letter from Helvey & Associates, Inc dated XX/XX/XXXX. Contrary to there letter, it is incorrect and lacks merit. The XXXX XXXX XXXX bill with account # XXXX XXXX is NOT my account. In addition, the name on the account is incorrect. My middle name is incorrect and I do not have a billing address or property under XXXX XXXX XXXX Ct. In addition, I have never received any notices, bills, phone calls in regards to this fraudulent account. 

The fraudulent account was NOT set up by me on or about XX/XX/XXXX online nor did I receive any email notifications. Someone had used my email address to set up this account online. Only tenants occupied the home at that time. I never requested service on that date, nor did I occupied the home, it was leased. Furthermore, the name is incorrect on the billing information including the mailing address. In addition, since the billing address was incorrect, I never was informed by Helvey & Associates nor XXXX XXXX XXXX that a bill was due or set-up. Because of these mistakes and fraudulent utility account set-up was established without my knowledge or permission, I have submitted an Identity Theft Report Number XXXX and XXXX Police Report case number XXXX. In addition, letters from the FTC.gov reporting has been sent XXXX XXXX XXXX, Credit Bureaus and to Helvy & Associations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: FIRST METROPOLITAN FINANCIAL SERVICES, INC.
State: TN

Complaint narrative:
I have contacted all the Credit Bureaus/Agencies ( XXXX, XXXX ) and the creditor ( 1st Metro Finance ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Basically my bank account overdrew by {$400.00} because I miscalculated my new rent amount. I moved on XX/XX/2021. Not super salient to this conversation but my family in XXXX all came down with XXXX  over the weekend. 

I was moving that day and so could only put cash in the ATM the same evening. Had to draw it from an emergency account. 

However I got hit with {$70.00} in overdraft charges anyway. Even though I put cash in the ATM the same day at XXXX XXXX 

I attach a transcript of my conversation with the bank. This is definitely super wrong. I don't understand how the bank can legally keep a structure that makes this behavior permissible here in California, or how this is allowed anywhere in the XXXX. Regulators check these predators please!

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 2021-05-04 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: CA

Complaint narrative:
I'VE BEEN TRYING TO GET THE CREDIT BUREAUS TO DELETE THESE ACCOUNTS THAT WERE NOT OPENED BY ME REMOVED FROM MY CREDIT REPORT SO I CAN REFINANCE MY HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
I was advised by XXXX XXXX agent calling about a debt to not worry due to inability to pay. No arrangement was ever discussed. She advised that any future attempts at collection should be ignored and she would resolve the debt. She did state if I received another contact to disregard. This is All on the tape. I now received a collection notice from Nationwide Recovery Systems LTD. XXXX XXXX the business office declined my explanation and proceeded to debate and argue that with me. I notified her to cease and desist which which she angrily did not acknowledge but proceeded to hand up - check the call XXXX : XXXX  XX/XX/2021. I then called XXXX XXXX XXXX  XXXX XXXX who proceeded with the same response. I asked her to pull the tape but she procrastinated. They even had the wrong phone number an impossibility to have called me in XX/XX/2021 because my number was changed prior to that and they were using an older wrong number.I asked her to pull the tape and listen! My wife provided her my correct number I was too upset to even discuss. .I was advised to DISREGARD ANY ATTEMPTS TO COLLECT via any form and she was taking care of the outstanding balance. I thanked her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: NY

Complaint narrative:
The company or scammers were reaching out and calling my family members to get a hold of me to pay a supposed debt for a shopping network of {$19.00} dollars in The month of XX/XX/2021. When I called the XXXX XXXX they told me that They do not work with that " debt company '' and had never heard of them. The " debt company '' has called me repeatedly and leaving odd messages even after I specified to them that I wanted a written notice of debt owed. Almost into the XXXX week of my last actual conversation with them and they have not mailed anything but they still keep calling me and leaving odd messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint on last Thursday XXXX ID : XXXX ) because I saw a huge amount hold in both of my saving and checking account. But on the following day, Friday XXXX XXXX, I found that all my money was back and there was no hold. I called BOA ( XXXX ) again and the representative said that it was a mistake, system error, my accounts won't be closed. But today, XXXX XXXX, I logged into my mobile app and found out that my balance is {$0.00}. I went to local branch and the banker showed me that my account was marked with " closure at risk '' and gave me the XXXX because there's nothing they can do and also he doesn't know the reason. 

So I went home and called BOA claim department again, the representative gave me the same answer as last time I called, " because we have rights to do so, we don't need to give you any reasons. ''

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 2021-05-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Hello, please be advised this is my second time disputing this inaccurate information taking up my time to do so with no accurate resolution. None of the accounts disputed had accurate information and was not reporting correctly. This has ruined my life and affected my chances of getting a mortgage so i can move my parents to a better and safe home and it is important mostly of this pandemic. i don't want them to catch the virus  so please hear me out. A few days passed and I still did not hear anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am becoming more and more frustrated. I understand that mistakes happen. Nevertheless after repeatedly communicating with you company that the information that your company has been reporting is inaccurate I would like to think that you all would act fast to resolve the issue. Especially since this is a violation of ( 15 USC 1692e ), which states that ( 2 ) the false representation of ( A ) the character, is illegal! This is also a violation of ( 15 USC 1692d ) 1. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. By reporting inaccurate items on my credit report you are tarnishing my reputation which I will not allow even if I have to seek litigation. Also this is clearly defamation of character! 
Which I remind is you will not be difficult to prove in a court of law. 
1. I can prove the information being reported is invalid 2. I can identify your company as being the one who made the false statement XXXX copy of your report is easy evidence ) 3. I also can prove that this was reckless and was a knowingly made action ( I have evidence that I have contacted you guys about the error and know actions have been taken ) 4.The statement was published ( once again my copy of your reports can be used as evidence for this ) 5. The false statement harmed me XXXX I have proof of the denial letters that have occurred because of your misleading information being provided on my credit report ). 

Also let me remind you that the banking system relies on the accuracy and fairness of credit reporting! According to FAIR CREDIT REPORTING ACT 15 USC 1681! 

In case you did not know Civil Liability ( REMEDY ) ( 15 USC 1692k ) states that I can receive compensation for each violation! 
So please resolve this ASAP or I will seek litigation!

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 2021-05-04 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: TX

Complaint narrative:
fcra not mine : see attachments for proof : XXXX XXXX  XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a statement from TD Bank for an account I did not open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I am graduating from the master 's program in XX/XX/2021 and moving out of state. In conjunction, I am looking to purchase a home. In order for me to apply for a home loan, I have to provide a minimum payment amount for them to run XXXX. I contacted XXXX multiple times to figure out the best way to go about figuring out the minimum payment amount to provide my loan officer. I tried a total of three : XXXX, XXXX, and XXXX of 2021. Each time I was provided with a different answer. Answer given in XXXX, they stated that I would not be able to know approximately how much my payments would be and then I needed to wait until XX/XX/2021 for your company to figure it out. XXXX rep stated they would need to wait until my school filed paperwork stating I graduated in order to figure out how I would be required to repay. Then today, XX/XX/2021, XXXX XXXX number XXXX referred me to another outside website to figure it out. 

Your reps are all seemed undertrained and have no idea what they are doing. They also do not answer questions. If you don't know, then state that you don't know. Perhaps as a collection agency charged with collecting student loan balances from millions of borrowers, shouldn't your employees know the answers to these questions? I am pretty sure, I am not the only one you had questions like this nor requests of your company.

Company response to consumer: Closed with explanation