vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report last month and noticed these unauthorized/unverified inquiries and account on my credit report. I have called Experian of these fraudulent activities and demand they be removed from my credit report. 

The account is not verifiable and doesnt match with other bureaus reports! 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Experian XXXX XXXX XXXX  XXXX  Personal Loan Companies XX/XX/2020 Experian XXXX XXXX XXXX XXXX XXXX, Used XX/XX/2020 Experian XXXX XXXX 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 2020-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Santander consumer financed a vehicle for me in XXXX of 2014. For one they didnt ask for paystubs to see if you g I could really afford the car they just gave me a certificate to go to the dealer and pick out the car. I have paid Sandtander almost 15000.00 in interest and still owe them almost everything I owed when I got the car. I was taken advantage of by Santander from day one and they still want another ther XXXX for a car thats only worth XXXX. I want this loan settled and closed and I want my title ASAP! I did receive the letter advising that they owe me money but I want my title also. If they dont fix this situation ASAP they are going to hear from my attorney and I will also report them to my local news station.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To Whom It May Concern : My complaint is with Bank Of America ( BOFA ) Mortgage Servicing. I have a conventional mortgage with BOFA. In XXXX I successfully had my property taxes reduced {$4200.00} per year. The judgement went into affect on XX/XX/XXXX ( see attached documentation ). On XX/XX/XXXX, I faxed the attached request for my property tax escrow to be reviewed to BOFA. I used the fax number that was provided to me by BOFA via online customer service ( XXXX ). In mid XXXX I received a revised escrow analysis that actually had my monthly payment going up from {$4000.00} to {$4000.00} per month. Since this did not make sense to me, I have tried to contact BOFA numerous times of the last couple weeks before my increased payment goes into affect on XX/XX/XXXX. After probably 3 hours on hold XXXX no joke ) and talking to multiple people, I finally found my way to XXXX XXXX who told me the fax number I was provided has not been monitored for 2 years. On XX/XX/XXXX I emailed the attached fax ( that went to unmonitored number ) to XXXX and was told it would be resolved that day and she would call me back. It is now XX/XX/XXXX and I have not heard back from XXXX despite my attempts to contact her over email. 

BOFA Contacts : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX 's manager ) - XXXX CFPB, I believe this behavior by BOFA is unacceptable and seek any help you can provide.

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 2020-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
On XX/XX/2015 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 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: MD

Complaint narrative:
On Transunion, XXXX  and XXXX, it seems that credit cards and other inquiries have been carried out with me requesting them. It seems that the card company periodally do this and it affects my credit. Then it lowers my credits score when I pay my bills on time, I have recently paid off two cars and mortgage has never been late. I can not understand why on all my credit reports it show a low credit score. The companies that have recently conducted inquires on my report is what I am referring too. Please review this, these errors need to be consider and changed. I believe that my credit score is really too low for someone that pays there bills on time. Thank you

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 2020-10-28 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: AL

Complaint narrative:
Why is the account XXXX XXXX XXXX  XXXX Missouri still reporting to my credit report when XXXX  XXXX told you to delete this account due to ID theft? I've attached the letter from XXXX XXXX below. Also attached is 2 forms of government ID. Delete this account immediately.

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 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CT

Complaint narrative:
On XX/XX/XXXX I had a fraudulent activity on my account and notified my bank. They gave me the provisional credit on XX/XX/XXXX then reversed it XX/XX/XXXX its impossible to get anyone from the fraud dept on the phone. I never got the explanation letter for the reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XXXX I submitted a check through Navy Federal online banking. 

On XXXX Navy Federal garnished {$2800.00} from the {$4000.00} check that I submitted on XXXX before the funds were even available to me. 

On XXXX I called navy federal and spoke to XXXX XXXX and explained to her that I have not received any notification about the {$2800.00} debt that I owed to them and she proceeded to argue with me about how dont I know. I also explained to her that I was more than willing to make payments on this debt and if she could please reverse the payment, as covid has caused my family extremely financial hardship and the one vehicle that we own is broke down and I havent been able to work due to it and myself and my family were counting on this check to help with our struggles. I explain to XXXX XXXX that I have not received any phone calls or mail about the debt nor did I receive anything saying that they were going to take money from my bank account that myself and my family were so desperately in need of. All she would say is that they have been sending mail since XXXX of 2020 when I have only live at my address since XXXX of 2020. XXXX XXXX was very rude and even after explaining my situation and that this would cause my family financial hardship she was very unforgiving and not willing to work with me and threatened me that I also have another debt that if I dont start paying on that they would take money for that as well. She also bashed me in my face that I have a paycheck coming in from my VA benefits and that they didnt take all my money. XXXX XXXX also proceeded to try and argue with me about the situation when I simply was counting on her to help me. 

I have been paying back all the debt I owe to banks and was more than willing to pay back this debt as well, but due to no notifications from them to me about the debt or the fact that they were going to take money from my account I had no idea that the money for the debt was due since they charged it off as bad credit-profit loss. 

I would like to know if there is anything that could be done to reverse this transaction or anything that could be done? My wife is out of work due to covid and my wife and to very young children rely on me as the supplier. My only working vehicle went down last week and I havent been able to work either since then and have had to use vacation time. we desperately counted on this money to get it back working since my motor went bad. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc.
State: MD

Complaint narrative:
I used a referral link to apply for a Sofi Student Loan Refinance XXXX # XXXX XXXX which was first approved on XX/XX/2020. When I applied, my referral bonus XXXX {$300.00} ) was present on the application the entire time. Sofi went through two iterations to beat my competitor 's offers and I eventually decided to go with Sofi. I had my loan funded on XX/XX/2020. Having learned from past experiences of companies refusing to pay incentive bonuses, I reached out to Sofi customer service on XX/XX/XXXX about my cashback bonus. I was contacted on XX/XX/XXXX and told the steps I needed to complete to get my bonus sent to my bank account. Over the past month I have been dealing with Sofi Customer Service trying to get them to give me my bonus. I provided the email thread of me discussing the bonus with them directly and the link I used. Of course, yesterday XXXX XX/XX/2020 ) they informed me that they were not responsible for the bonus despite it being applied to my application. Promoting cashback bonuses to have someone accept a loan and failing to provide the bonus is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: VA

Complaint narrative:
On XX/XX/2020, I notified Equifax through CFPBs complaint portal, that XXXX inaccurate late payments in XX/XX/2020 were listed on my credit report. The companies Total XXXX and XXXX XXXX are listed on my credit report as XXXX XXXX XXXX XXXX The complaint is as follows : XXXX, Equifax, XXXX XXXX XXXX and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from XXXX XXXX and XXXX XXXX and refusing to allow me to dispute it. I contacted both XXXX XXXX and XXXX XXXX, regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX in full and by making a payment amount on XXXX XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly XXXX points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 ( 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over. Despite this, Equifax has not only failed to correct my report, but have change the inaccurate 30 day late payments to 60 days! This is a violation of the FCRA and is unacceptable. These inaccuracies caused my credit score to plummet and has completed disrupted my plans of purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
I have made all my XXXX leasing Payments for a total of XXXX. On a car that original price was XXXX. I have over the course of 6 years put almost another XXXX in repairs into the XXXX. XXXX. At this time I feel as though I should not owe anything further. The reason I feel this way is one I was employed with this company for almost XXXX yrs In the XXXX yr period we did not charge for mileage or damage on any leased cars until late XXXX early XXXX. The reason they started charging as the company was in financial hardship due to the down turn of XXXX commercial Leasing. I feel that it is not fair to decided to change what has always been done due to financial hardship. I am asking that all fees be waved due to the nature of never charging for mileage or damage until XXXX. If the are not willing to wave the fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was asked to be a sugar baby to someone Ive never met in XXXX of XXXX. I allowed this person to access and deposit a check in the amount of {$3800.00} on XXXX XXXX. I then received notification from Capital One that they were going to close my account and said that I would never be able to open an account with CAPITAL ONE again. Because of this, I thought they were voiding the check. Since I needed the money, another check from the same person was deposited into a XXXX XXXX  account. My account was closed with XXXX as well, HOWEVER, on XXXX XXXX, XXXX XXXX sent me the closing amount of {$6300.00} from the check received which tells me that the check is valid. Now today, XX/XX/2020, I go to CAPITAL ONE bank and ask for the remaining funds. The excuse I am given is that the check is still under investigation since XXXX because they do not have enough information to release the check. It has been 3 months now and they are just holding the money. Please help me receive these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I have disputed information with a third party reporting agency lexis nexis that was not able to verify or validate public records information. The company removed most of the unverified information in XXXX on my consumer report but not with the bureaus. As investigations continued none of the reported information could be verified and it was completely removed from my consumer report. The company has sent me proof of the removal but has not removed the information from the bureaus even after multiple disputes surpassing the 30 day investigation time. I have tried on numerous occasions to contact lexis nexis to get a resolution from the manual disputes they entered to the bureaus via electronic reporting but, always placed on a dead hold for an extended amount of time with no person on the line but call still intacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: AL

Complaint narrative:
After reviewing my credit report, I found an account reporting inaccurate information. This account is reporting on my credit report as XXXX XXXX XXXX Bankruptcy : Please remove this account due to inaccuracy because you are reporting that this account was included in a bankruptcy discharge but there is no bankruptcy reporting on my credit report. 
Please remove this account due to inaccuracy because you are reporting a high balance AND a bankruptcy discharge. As you know both can not be true. If an account is discharged, you can not also report a high balance! 
Identity Theft : Please remove this account due to inaccuracy because I have disputed this item more than 3 times as identity theft and you have never once added that in the comments section of this item. 
Incorrect Account Name : Please remove this account due to inaccuracy because you are reporting an incorrect account name. You are reporting this account as XXXX  XXXX XXXX, Experian is reporting it as XXXX XXXX XXXX. 
Incorrect Account Number : Please remove this account due to inaccuracy because you are not reporting the correct account number associated with my social security number. XXXX XXXX alleges the account opened in my name has an account number of XXXX, you are reporting an account number of 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 2020-10-28 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: MD

Complaint narrative:
On XXXX, Equifax and XXXX, it seems that credit cards and other inquiries have been carried out with me requesting them. It seems that the card company periodally do this and it affects my credit. Then it lowers my credits score when I pay my bills on time, I have recently paid off two cars and mortgage has never been late. I can not understand why on all my credit reports it show a low credit score. The companies that have recently conducted inquires on my report is what I am referring too. Please review this, these errors need to be consider and changed. I believe that my credit score is really too low for someone that pays there bills on time. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XXXX, XXXX and Experian, it seems that credit cards and other inquiries have been carried out with me requesting them. It seems that the card company periodally do this and it affects my credit. Then it lowers my credits score when I pay my bills on time, I have recently paid off two cars and mortgage has never been late. I can not understand why on all my credit reports it show a low credit score. The companies that have recently conducted inquires on my report is what I am referring too. Please review this, these errors need to be consider and changed. I believe that my credit score is really too low for someone that pays there bills on time. Thank you

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 2020-10-28 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: State Finance Company
State: TX

Complaint narrative:
Hello. Last year I had gotten a loan from XXXX XXXX.Here in XXXX XXXX tx located at. XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. In XXXX of XXXX. And I paid ot off. I waited a month and checked my credit report. And it was still being reported as open. I called XXXX XXXX spoke with manager and he said he would take care of it .. as of XX/XX/XXXX it was fraudulently sold or sent to a third party collections agency to collect money I had already paid. And now that has damaged my credit score. I have been trying to build up my score for a while and every point taken away counts. Because of this I'm requesting compensation for damages to my credit score and have advised them I was gon na contact an attorney for further info on what I can do about this. And contacted you guys as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation