vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
On XX/XX/2021, I revoked my ACH authorization and was told via email and phone that the ACH authorization had been noted and that my bank account information had been removed. Today, XX/XX/2021, a payment was deducted from my bank account. This payment was not authorized by me. I have contacted the company to reverse the payment but with no response.

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 2021-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I am writing to the CFPB once again about Rise. I was promised than once my charged-off account was reversed I would only owe the amount of interest accumulated before the charging off and also the principal. However, once the charge-off was reversed the interest began accumulating once again. This was contrary to what was promised to me. The account information online also does not contain any of the documents made between Rise and I, and the information provided is not accurate regarding amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have this XXXX accounts that was close because a wrong return payment. I made the payments on time for over XXXX  years never have XXXX  missing payment or nothing wrong with the account. They close XXXX accounts because a return payment of the account that was payed already. This is insane

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Northern Trust Company, The
State: TX

Complaint narrative:
Northern Trust blatantly cheats my account to make their profits higher. 
1. The columns do not add up properly. {$3.00} + {$7.00} = {$10.00}, but their computer calls it {$10.00}. 
2. They charge outrageous fees for accounts they hide from the beneficiaries. My account generated {$10.00} in dividends, but XXXX  claims {$33.00} to manage it.

3. They promised to reverse the fees they charged to my account but now that they sent a statement, the fees have been restored and charged to my account.

4. This account with XXXX  should have been closed out years ago. Had I not complained last year, it would have continued until the whole account is whittled away to nothing for the beneficiaries. How many fees have there been over the years. I do not know bc they do not send me a statement on a regular basis. 

Northern Trust is a bad actor and should be sanctioned.

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 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: NC

Complaint narrative:
I Closed on a house on XX/XX/XXXX. They misled me about things and did not followed through the closing disclosure. The closing disclosure they presented to me at the closing table was different than what I agreed and signed right before closing. Because of their misleading and hiding information it cost me additional {$16000.00}, Delayed closing, caused anxiety and fear of losing the house ( two conflicting closing disclosure are attached ). I had to come up with additional {$16000.00} to be able to close on the deal. I was afraid I was gon na lose the house. 

After that XXXX representative XXXX XXXX reached out to me on XX/XX/XXXX to refinance the loan and correct the mistake they did, in return he offered me lowering the interest rate from 2.75 % to 2.35 % with no closing cost and also to reduce the loan amount by $ XXXX to compensate the loss I suffered with the original loan ( correspondence from XXXX included XXXX. this refinancing did not close till today even after scheduling with the attorneys office for XX/XX/XXXX at XXXX with XXXX XXXX XXXX XXXX XXXX, I made repeated phone calls and emails but got no response from XXXX. 

Everyday interest is accruing which I am not responsible for - Since XX/XX/XXXX XXXX  gave me the impression refinancing will close in a week or so, as a result I have been in confusion and did not know whether I should make payment to the original loan, I am afraid XXXX  might have reported to the credit reporting agencies and damaging my credit. I want to pay off this loan and be compensated for all the financial loss and mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: TN

Complaint narrative:
Back in early XX/XX/XXXX, I completed and sent in my XXXX XXXX XXXX XXXX XXXX XXXX. Almost XXXX  months later, it is " still under review '' and they can't give me an estimated date of when it will be certified. I complete this form about once a year and sent it to myfedloans. I work for XXXX XXXX XXXX and have since XXXX. I have stayed in contact with myfedloans. At first when I contacted them to see when my employment would be certified, I received several different reason why it had not been. My form was sent in complete with my employer 's signature, title, and dates. I do not understand why it takes XXXX months to certify employment that I have had since XXXX and send in every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The account as per XXXX XXXX stated the account was opened in XX/XX/XXXX. I had lost my wallet and i had all my information in my wallet. I had attempted to have every single document that I had in my wallet replaced social security card, birth certificate, driver license etc. I am not responsible for this debt due to FCRA requirements. 

Please remove this off my credit the account was fraudulently made. 

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 2021-03-31 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: TX

Complaint narrative:
TransUnion ignored my letter of concerns with an account being reported as a collection. I tried reaching out to the collection agency with no success. I then notified TransUnion that the letter I sent to XXXX XXXX returned to me as " Not Deliverable '' which meant the company does not exist. How are they validating a debt with a company I can't reach? 

Not to mention, TransUnion never responded to my concerns and it has been more than 45 days. Help!

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 2021-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
On XX/XX/XXXX I received a notice that a debt collection had been added to my credit bureau file in the amount of {$1600.00}. The credit collection agency is Merchants Credit located at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I sent the XXXX debt validation XX/XX/XXXX. I sent through certified mail with return receipt and received no response. I sent another letter dated XX/XX/XXXX also through certified mail with return receipt. Once again with no response. When I dispute through the credit agencies that the debt is valid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
My bank account was suspended on XXXX. I was not given any warning about this. I have sent all information the bank has requested and they are not responding. When I call they tell me I can only fix this through Support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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 downloaded the annual reports that show the account I have nothing to do with. XXXX XXXX has no information. They ask me to send them my SSN and other information, but I fear that they might use it to fill in the gaps in their documents. I will attach to you their response to my complaint. Please investigate this 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 explanation
Consumer complaint received 2021-03-31 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: IL

Complaint narrative:
I have downloaded the annual reports that show the account I have nothing to do with. XXXX XXXX has no information. They ask me to send them my SSN and other information, but I fear that they might use it to fill in the gaps in their documents. I will attach to you their response to my complaint. Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: IL

Complaint narrative:
I have downloaded the annual reports that show the account I have nothing to do with. XXXX XXXX has no information. They ask me to send them my SSN and other information, but I fear that they might use it to fill in the gaps in their documents. I will attach to you their response to my complaint. Please investigate this 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 explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My personal information was compromised in the 2017 Equifax hack. I have signed up for the class action law suit. That suit is still in litigation, undetermied resolution date.Over the past 6 weeks, I have been getting indications that unknown person ( s ) are using my personal information for their purposes. Examples : ( 1 ) Accounts opened up with a money transfer company named XXXX. ( 2 ) Application for unemployment benefits initiated using my personal information. I have been retired for 14 years. And quite a few more. I feel that I need credit monitoring services right now. I called Equifax and they referred me to their hack phone number ( XXXX ). The line is totally automated and useless to me. I feel that Equifax should give me free credit monitoring service immediately and for an unlimited duration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I paid my regular required loan on XX/XX/XXXX On the XX/XX/XXXX I made an additional payment to be applied to the PRINCIPAL ONLY. 
I just received my XXXX statement where the company ( One Main Financial ) took {$57.00} out of the {$110.00} for themselves as interest. 
Only {$58.00} of my {$110.00} was applied to the principal which I had made the payment to only the principal. 
On my first and regular payment made on XX/XX/2021 again Only XXXX went towards principal and {$100.00} went to OneMain for Interest. 
I need assistance in clarifying if I send in my payment to be applied to the Principal balance after I had already made my regular monthly payments, can OneMain do what they did with my principal payment? 

My second complaint against this company is : They never advised me that they were going to use my car as Collateral. It was not until I was called in to sign the papers they told me they need to inspect my car and need insurance papers on my vehicle. 
At closing all additional stuffs are added to documents to be signed on a computer the day of closing. 
No hard copy of all charges is given to be read before closing date and time is scheduled for me to sign. 
I think this company needs to be more transparent in their lending practices and requirements, due to the fact that their targeted consumer market is lower income families. 
I have purchased over three homes in my lifetime, and have never confronted any accounting methods such as OneMain Financial accounting practices. 
The loan is hardly been reduced. 

Thank you for yoyr attention to the this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
Because XXXX finance charges me late fee without my knowledge XXXX monthly bills I received from XXXX didnt show late fee amount ), I called the company and spoke with their customer service agent. I asked them to send me all payment I made since I purchased my car. It took them about four months and several phone calls before they decided to send me a copy of all payment I made since I purchased my car. 

When I looked at a history of my payment, I noticed that there are several {$19.00} late fees. I also notice that most of my payment was forwarded toward interest fees. Im not sure why. 

When I called back and spoke with a customer agent, he also told me that a four percent late fee has been applied to my loan. 

My questions to you : is it legal for XXXX finance to charge all these fees? What portion of my monthly payment XXXX is allowed to apply to interest vs. principal?

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 2021-03-31 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: GA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. VERVENT/TBOM on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX XXXX XXXX XXXXXXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021 I was advised by a XXXX XXXX  at Bank of America that the fastest way to pay off the existing mortgage is to initiate on online transfer of funds between two accounts at Bank of America. I was assured it would take approximately 3 business days and given a payoff amount that I agreed to. When I called on XX/XX/XXXX to check on the status of the transaction, I was told it was being processed with the completion date of XX/XX/XXXX. On XX/XX/XXXX, I was told that the transaction failed, because the amount given to me was incorrect and the new XXXX XXXX was initiated. On XX/XX/XXXX, I was told that there is no explanation as to why this wasn't processed and the new case was started with the assurance that this time it was definitely going through within 24 hours. On XX/XX/XXXX I called again and was once again told that the transaction if going through and should be completed within 24 hours. On XX/XX/XXXX, I was told that the supervisor will call me back to figure out the best way to resolve the issue - nobody called me back and I was actually given a fictitious name of the supervisor. I've asked during several calls to initiate the wire and was assured that automatic transfer would happen anyway. Please help. I need to payoff the mortgage ASAP.

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 2021-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
My car was totaled and I still owed a balance on my auto loan. The loan did become past due as we waited for the insurance payments from primary insurance, warranties and gap insurance. After it was past due for a bit I stopped getting statements, and did often make payments over the phone. I never received any statement of my payment showing the amount I paid down. I never understood my balance as I was told there was no longer interest on the loan. So why when I made a payment did the balance not go down that same amount. I asked for statements, but they never came. I was also told on the phone the debt would never be charged off and it still was with a balance of {$240.00}. I understood the balance was paid, but it was not. However I would never have know as I never received any statements.

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 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2020, Truist XXXX XXXX XXXX ( headquartered in XXXX, North Carolina ) harassed me over the phone and by email regarding a joint checking account I owned with my adult son, XXXX XXXX. XXXX was rude, badgering, insistent, and in the end, threatened my job. I answered all questions asked including whether or not I kept cash lying around the house ( which was beyond all bounds of reasonable inquiry or decency ). Both XXXX and Truist refused to tell me what policy, regulation, guideline or law XXXX thought I may have violated that caused his investigation, even though both I and my lawyer asked repeatedly. I raised the issue of possible gender and/or race discrimination, as I was also a Truist / XXXX XXXX XXXX employee and no other or reasonable explanation for XXXX 's harassment seemed to fit. Just before XXXX, in XX/XX/2020, Truist / XXXX XXXX XXXX fired me and shortly thereafter Truist shut down all my accounts. I've never received any kind of reasonable explanation for any of XXXX 's harassment, e-stalking, or my being fired and having my accounts closed down.

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 2021-03-31 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation