vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The banking institution is XXXX Bank, I was approved by the bank for a HELOC loan in XXXX of XXXX. I took a distribution ( XXXX : XXXX ) in XXXX of XXXX with a variable interest rate. I have no problem with that transaction because all went as I understood and agreed. On XX/XX/XXXX, I took another distribution XXXX XXXX : XXXX ), also with a variable rate. That transaction and resulting payment is what I have the dispute with. Also, I have a concern with the application of reduced prime rates in XX/XX/XXXX to both loans. On the phone with the loan officer at the branch, my understanding of the loan amount to be paid on the outstanding balance which included both loans was {$920.00} per month. The payment charged was {$1000.00}, {$160.00} more than what I understood the payment to be from that conversation and to what I agreed. 
The bank is saying the {$920.00} was for the first draw and that portion of the second draw which is subject to the interest rate for the remaining days of the month and not for the entirety of both loans. At the time of the phone conversation/authorization this wasnt my understanding. And, I understand the payments would adjust as they are variable and tied to the prime rate. However, this difference isnt due to the variability of the rate but to the difference in the calculated loan amount and the rate as applied to that amount. 
I have spoken with my case worker assigned to my case by the XXXX XXXX ( XXXX ). She is from whom I got the banks position and information. She is who said that they, ( the bank ) had reviewed/ listened to the transcripts. When I asked her for the transcripts so that I would be able to listen/ review them to hear or read the conversation for myself so that I might be able to support my position, she said that I would have to subpoena the records. I would like you to assist me with this process. Also, I want to know if the bank has charged me the correct amount of interest regarding the lowering of the prime rate by the FED twice in XXXX : XX/XX/XXXX XXXX %. XXXX %. My loans are XXXX and 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 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This complaint is regarding a charge of {$170.00} from XXXX. 
The services paid for were for swimming lessons, which were cancelled because of CORONAVIRUS. 

I submitted a dispute requesting that we should not be charged for this service because the lessons were cancelled. The business owner is declining to give the money back. So, we paid {$65.00} activation fees ( in XXXX ) and {$170.00} for XXXX lessons. 

Only two lessons were held. The {$170.00} should be fully refunded. We are glad to let the business owner keep {$65.00}. 


I am filing this complaint because Bank of America never settles a dispute in the favor of individuals. It always sides with the merchant. I am requesting CFPB to please ask BOA to settle this dispute fairly.

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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reached out to Transunion to remove XXXX XXXX off of my Transunion credit report. This is not my name. My name is XXXX XXXX XXXX and XXXX XXXX. This information is not showing on my XXXX  or XXXX  report. This name is only reporting incorrectly on Transunion. I have attached a copy of all three bureaus to compare the difference between the each report that shows my correct name as XXXX XXXX verses the incorrect name 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 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
Caine Weiner is reporting a debt on my credit file I do know owe. I didn't know about the debt until I checked my credit. As soon a I found out I paid the debt. I never received a phone call or letter regarding this debt. They are in violation. Also, they continue to report the debt and hurt my credit after it's been paid. This is erroneous! It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
NUMEROUS TIMES I HAVE REACHED OUT TO XXXX  AND TO BANK OF AMERICA IN REGARDS TO THE FRAUDULENT ACCOUNT WHICH WAS OPENED UNDER MY NAME, I AM A VICTIM OF AN IDENTITY THEFT, THIS ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES DON'T BELONG TO ME. THIS CARD WAS OPENED WITHOUT MY CONSENT AND WITHOUT MY KNOWLEDGE.

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 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I notified citizens one loan company I filed a chapter XXXX and they continue to take money from my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
While reviewing my credit report I see XXXX XXXX listed but it has been paid off. I have attached the receipt. 

I have the following hard inquiries on my report that were not authorized : HARD INQUIRIES : XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: AZ

Complaint narrative:
AFNI is reporting a debt on my credit file. I recently checked my credit and notice this debt. I have never received any phone calls, letters, or any notifications. I called immediately to find out what this was regarding to and paid the debt. Afni is in violation of my 30 day right to dispute. I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE. REFER TO THE SAME ACCOUNT, XXXX  XXXX-XXXX  # XXXX SHOWING DELETED BY XXXX. PLEASE DELETE THIS IMMEDIATELY FROM YOUR DATABASE. 
PLEASE FOLLOW SUIT AND AMEND ACCOUNTS ON MY CREDIT FILE AS THEY WERE NEVER LATE. PLEASE REFER TO THE PAYMENT HISTORY FOR THE XXXX XXXX  AND THE XXXX XXXX XXXX  ACCOUNTS WHERE THERE ARE NO REPORTED LATE PAYMENT MONTHS. I NEED THESE AMENDED TO SHOW NEVER LATE IMMEDIATELY IN ORDER TO CLOSE MY ESCROW BY 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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Today XXXX2020 I attempted to call Experian. I waited 30 minutes only to have the gentleman who answered hang up on me within 1 minute.

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 2020-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
While reviewing my credit report I see XXXX XXXX listed but it has been paid off. I have attached the receipt. 

I have the following hard inquiries on my report that were not authorized : HARD INQUIRIES : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2020-04-20 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: OH

Complaint narrative:
While reviewing my credit report I see XXXX XXXX listed but it has been paid off. I have attached the receipt. 

I have the following hard inquiries on my report that were not authorized : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives ' addresses.This is a notice of dispute pursuant to the Fair Credit Reporting Act FRCA ), section623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I amrequesting the verification to follow reasonable procedures to assure maximum possibleaccuracy, of the information on my credit report. So, I am requesting you verify the items Iam disputing at a higher standard than a third-party database search. Please also notify thesource who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove thefollowing unverified account : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please REMOVE/DELETE these INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 2020-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM Financial has closed their title processing office due to COVID19. Though I am sympathetic to this, it is costing me the ability to retrieve my title on a payoff. And therefore I can not resell my vehicle. Conversely ; GM Financial continues to issue financing and accept titles for car sales at their captive GM dealerships. 

This is an anti-competitive tactic not enabling private sellers to sell their vehicles if GM Financial holds the note.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
During the past few years, CITI XXXX has reported a credit card that belongs to my roommate under my credit report. My roommate has called them & advised them that the credit card belongs to him. I also called them and advised them of the negative impact that it was having on my credit report. It was affecting my Debt to Income Ratio. That credit card was taken off my credit report. I was NEVER an additional card holder on that account either. Recently, they send new cards to my roommate including one card with my name. He called them and asked them to remove my name from the account. However, since then, because of the personal & business issues he has not been able to pay that credit card. This credit card is being reported under my credit report as delinquent as if I am responsible for the card payments. I want to understand under what authority CITI can report this misinformation that is negatively impacting me personally. This will be the third time they have done so. It seems that there are zero consequences for them and no one holds them accountable for any erroneous information reported. 
I attempted to call them. After being on the phone on hold for over 1 hour, I chose to file a complaint. It seems that filing a complaint has no consequences for them.

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 2020-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
On or about XX/XX/2020 Tower Loans ran my credit without my authorization and it caused my credit to have a hard inquiry this company has a judgment against me and no where in said judgement does it give them the authority to run my credit as the judgement supersedes the contract and they did this frivolously during a National Pandemic with the COVID19 going on the entire US is under a federal emergency and our state emergency also they are still attempting to collect a debt during these times is shameful and unprofessional and needs investigated as they violated my rights and the FCRA in doing so Im unemployed as a majority of the USA is and this must be investigated they even told a third party about my debt previously is why I quit paying on it which also violated my rights

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 2020-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/2020 I purchased an amplifier and was in agreed upon at the time of purchase the guy XXXX XXXX XXXX XXXX was going to hold until i picked up on sunday or Monday. I paid the guy {$60.00} for the amp and to hold until i drove into the city. When monday morning came I messaged the person that i purchased the amp from to get the address to pick up the amp i bought. I was ignored and blocked. Four days later I seen the same amp i bought posted for sale and when i looked at the post and it wasnt being sold by the same person. I messaged this person XXXX XXXX XXXX XXXX and he confirmed that he purchased from a " XXXX '' in Illinois. When the conversation went on this guy was none the less nice not polite. I then tried to reach out to XXXX as well as my bank and Cash app to get my money back. My financial institution refunded my money temporarily until they conducted an investigation. I got a letter on Thursday 4- stating my bank was taking the funds back as their investigation shows that cash app are not responsible. That they are a 3 party financial center. But they need to be held responsible as they claim its safe but it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: HI

Complaint narrative:
I call transunion mail letters and Etcs

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 2020-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: MA

Complaint narrative:
XXXX XXXX I saw a collections account on my credit report from agency ARS for XXXX. XXXX XXXX was the account. ARS told me it was from an ER visit from XX/XX/XXXX. I spoke to XXXX from XXXX XXXX XXXX which was the insurance I submitted at that time. After investigating, XXXX got back to me on XXXX XXXX and explained to me XXXX had received a bulk payment for the ER visit which they are contracted to take the amount they get as payment in full and there is XXXX patient responsibility. She had Florida XXXX XXXX contact XXXX who said it was not in collections which was conflicting. She spoke to XXXX at ARS gave her the payment details and explained the policy. XXXX spoke to her manger who said they would speak to XXXX and clear the credit report. Since I can only bring my credit report up annually a year has gone by and it is still there. I spoke to XXXX at ARS on XX/XX/XXXX who told me they are holding it to see a copy of the cancelled check from XXXX XXXX. She told me no one is allowed to call and tell me this. XXXX will not speak to me only the insurance co. 
I have never had this happen as it has always been up to the hospital to coordinate the insurance. All my insurance information was given the day I went to the ER. XXXX told me its simple get a copy of the cancelled check and hung up on me. It has been 5 years since that claim. I spoke to XXXX at XXXX XXXX on XX/XX/XXXX. She told me she would try and request it but doesn't know if it will be possible. This seems unethical to me. XXXX was paid for the ER visit as they are contracted with XXXX XXXX. When XXXX XXXX called them directly they had no record of it being in collections. Now collections wont take it off the credit report when they were given payment details over the phone. XXXX explained they should have been faxed when XXXX gave all this information to XXXX who never made any suggestion to XXXX to fax or mail anything. 
XXXX told me today " XXXX is just a secretary '' Then why was she trying to resolve this with XXXX and her manager? As XXXX wont speak to the patient they bill and only the insurance company I don't understand why this wasn't handled by them with the insurance company in XXXX like the rest of the medical field that bills the insurance co. I would like this taken off of my credit report as all the information was given in XX/XX/XXXX and XXXX was told this would it would be taken care of. I was unaware that anything else was needed.

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 2020-04-20 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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE. REFER TO THE SAME ACCOUNT, XXXX XXXX  # XXXX SHOWING DELETED BY XXXX. PLEASE DELETE THIS IMMEDIATELY FROM YOUR DATABASE. 
PLEASE FOLLOW SUIT AND AMEND ACCOUNTS ON MY CREDIT FILE AS THEY WERE NEVER LATE. PLEASE REFER TO THE PAYMENT HISTORY FOR THE XXXX XXXX AND THE XXXX XXXX XXXX ACCOUNTS WHERE THERE ARE NO REPORTED LATE PAYMENT MONTHS. I NEED THESE AMENDED TO SHOW NEVER LATE IMMEDIATELY IN ORDER TO CLOSE MY ESCROW BY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive reached out to Bank of America at their only available email address XXXX and they direct me to Please call our customer service number at XXXX XXXX XXXX XXXX XXXX but when you call, after being left on hold, a recorded message plays saying, due to the high number of calls we cant take your call right now. Good bye. And hangs up on me. I have contacted XXXX as well and received no response whatsoever. Two payments have been posted already to which I have no access since I never received a XXXX bank of america debit card.

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 2020-04-20 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: Nelnet, Inc.
State: HI

Complaint narrative:
I've called and wrote to NELNET about the negative reporting on my Credit report. My student loan were never late but it's reporting 90 days late and my loans have been approved for the XXXX discharge for Veterans.

Company response to consumer: Closed with explanation