vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 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: NCB Management Services Inc.
State: SC

Complaint narrative:
I entered into a lease agreement with XXXX by way of XXXX on XX/XX/XXXX, of which I fell into default on, and my vehicle was repossessed. This made me an eligible consumer of the XXXX class action lawsuit in XXXX of XXXX. I received a restitution settlement for {$260.00} XX/XX/XXXX via XXXX, however, the vehicle is still showing twice on my credit report ; once as a charge off of {$8800.00} and another time through a XXXX party collections agency that XXXX sold the account to called NCB Management. The charge off for XXXX is not set to be removed until XX/XX/XXXX and the account with NCB management, of which I did not sign a contract with, will remain until XX/XX/XXXX. I received restitution from the lawsuit and have disputed this with both XXXX and NCB Management numerous times and it's gone unchanged. These negative items have caused me to be declined for pre-qualification for a home loan and also a loan with my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I entered into a lease agreement with XXXX by way of XXXX on XX/XX/XXXX, of which I fell into default on, and my vehicle was repossessed. This made me an eligible consumer of the XXXX class action lawsuit in XXXX of XXXX. I received a restitution settlement for {$260.00} XX/XX/XXXX via XXXX, however, the vehicle is still showing twice on my credit report ; once as a charge off of {$8800.00} and another time through a 3rd party collections agency that XXXX sold the account to called XXXX Management. The charge off for XXXX is not set to be removed until XX/XX/XXXX and the account with XXXX management, of which I did not sign a contract with, will remain until XX/XX/XXXX. I received restitution from the lawsuit and have disputed this with both XXXX and XXXX Management numerous times and it's gone unchanged. These negative items have caused me to be declined for pre-qualification for a home loan and also a loan with my credit union.

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 2021-09-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
This " school '' enrolled under false pretenses and collected half the money from me up front. Never received certification or assistance one program ended. Advertised help but did not receive. Debt not owed since I didn't not get what was paid for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had {$13000.00} for the tax payment of my home on XXXX XXXX XXXX. The bank has allowed a criminal to steal {$13000.00} from XXXX checking accounts. The first checking account ends in XXXX. My daughter and I are at risk of becomming homeless. There are criminals copying our phone numbers, and they may be several other culprits or troublemakers. Also, a woman, named XXXX XXXX XXXX, illegally, ordered debit cards, and has stolen the money to pay the taxes on the home. XXXX XXXX is not reported on wills, tax documents, POD statements, or other pension accounts. My daughter, XXXX XXXX was the only person allowed to access these accounts for me. XXXX was also a joint owner. XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, have fraudulently stole the money at several ATMs. I need the money returned, so that I am able to pay for repairs to the home. My daughter is at risk of getting XXXX, XXXX  or XXXX. She needs to pay for the home on XXXX XXXX XXXX. This is a serious crime to steal large sums of money from someone without their permission.

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 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I have been working since I was XXXX XXXX XXXX. I recently bought a used car with XXXX XXXX XXXX XXXX The only employment history that came up on my credit report was XXXX  XXXX XXXX, about XXXX  years ago. I worked as a XXXX  for XXXX  years at XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX, XXXX, moved to Maine in XXXX and managed XXXX around XXXX, XXXX. for XXXX yrs. Then XXXX, XXXX, XXXX XXXX XXXX XXXX I worked for myself from approximately XXXX. Last year, due to the pandemic my business ended, I was just at the point to license myself etc. I have now been with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ), out of XXXX XXXX since XX/XX/XXXX, as a XXXX  for XXXX XXXX XXXX. I would like to know why all my years of hard work are not showing on my reports.

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 2021-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Institution displays available balance for Home Equity Line product instead of principal due which is incorrect amount when displayed in budget apps such as XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hello, I submitted a complaint about Bank of America ( BOA ) charging a " monthly maintenance fee '' on my savings account of {$12.00} a month without informing me in advance or alerting to coming changes. I submitted this complaint to CFPB ( XXXX ) and I have been trying to get in touch with somebody from BOA. I have contacted them and been told they would get back to me ( they never have ). Now I realized they have also recently started charging a " monthly maintenance fee '' of {$25.00} a month on my BOA checking account as well! Also without any alert or prior notification, in leu of me informing them that I was NOT notified about similar charges on my savings account being made without notification to me. This is not even discussing the legality of the withdrawals, and whether if they are allowed to take any money from my account as they see fit without notice? This is theft plain and simple. 

The fact that they have started doing this recently on my checking account, knowing I objected to them doing this on my savings account without notice ( and charging even more ), after I informed them ( BOA ) about the complaint ( and BOA ignoring my attempts to communicate and not contacting me back as they said they would ) gives the impression that they are not worried or threatened by CFPB and any actions that you might take. I hope I am wrong but I am fast losing my confidence as nothing has been done and I feel I may need to take this up with my political representatives and attempt to shame by social media. I hope it does not come down to this and that the regulatory presence of CFPB is respected. I am an American citizen living abroad, and I still have an banking account in the US, so it is not so easy for me to change banks and I would need to wait until XXXX time, meanwhile BOA is free to charge my account whatever fee they see fit without informing me. 

It is not much money in grand scheme of things ( but it could be for many people ), it is the principal of the theft that is disturbing. What is stopping BOA in the future from taking say 5, 10, 20 % of earnings from any costumers bank account without any notice to the customer? Where does this end?

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 2021-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
After going past my original closing date, the seller was nice enough to sign contract extension paperwork to give me more time to get the appraisal on the house done and underwriting done. But after another two weeks had passed, the appraisal was completed, but I will still not out of underwriting. So when it came time to sign a new contract extension, the seller didn't want to wait on Bank of America because they took too long to get me out of underwriting. So when it came time for Bank of America to give me my denial letter to get my earnest money back, I never received the denial letter. Because of that, I would have been out of {$5000.00} if the seller wasn't nice enough to understand what I was going through and give my money back. Because under normal conditions, a seller doesn't have to give it back without a denial letter.

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 2021-09-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I had to dispute back and forth multiple times in writing with Equifax in XXXX to remove an address in Arizona that was fraudulent as I have never lived in Arizona and it was tied to someone stealing my credit to open an account ( which I reported to the police ). I have a written report from Equifax in XXXX stating that they agreed the address is fraudulent and had removed it. In XX/XX/XXXX, they put that same address back on my credit report. I filed a complaint with CFPB and Equifax removed the incorrect address. This year ( XXXX ), I see that the same address has been returned to my credit report by Equifax. This company is clearly engaging in fraudulent practices. They have received proof multiple times that this address is tied to identity theft, yet continue to put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have filed multiple reports against XXXX XXXX XXXX. Currently I have multiple accounts negatively reporting on my credit reports daily, yearly and in multiple collections accounts in their behalf. These accounts are false! I took out a loan with XXXX XXXX  and later refinanced the loan after paying it down. This was suppose to close the old loan and open a new loan. However they never closed out the old loan in the system and we were being billed double. We complained and nothing was done and they charged off our account. After the company was sued in a CLASS ACTION LAWSUIT we received a debt forgiveness letter and tax form. We paid taxes based on the forgiveness and it was never applied properly to the accounts, collections or credit bureaus. Instead multiple accounts, multiple collections all with different amounts and dates with various company names are being reported. This is reflected in the loan dates XXXX XXXX XXXX OPENED ON XXXX, XX/XX/XXXX, XX/XX/XXXX. Were also being charged for a loan for XXXX XXXX AND XXXX XXXX. XXXX XXXX is now named XXXX XXXX. My loan was paid in a timely matter until someone messed things up as you can see in my history with the original loan. This is Fraud. Im being harassed by bills that arent even valid. The company was sued by a CLASS ACTION LAWSUIT and we received a forgiveness letter with a tax notice to summit with our taxes however their are multiple collections with various companies for multiple loans and amounts opened in my name and credit. Everything has the wrong information most importantly my credit report and account history with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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 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 XXXX Account XXXX XXXX XXXX XXXXeported Identity Theft ) - Fraudulently Opened XXXX XXXX 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. CHECK INTO C on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
I opened a checking account with TrustMark national bank on Friday XX/XX/2021 Saturday morning XX/XX/2021 I deposited my paycheck through a mobile bank app and the bank has put a hold on my money and as of today XX/XX/2021 the bank still has a hold on my money. I have complained to the bank personnel and he told me theres nothing he can do. I need my money!

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 2021-09-17 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: EQUIFAX, INC.
State: WI

Complaint narrative:
what are these remarks by XXXX on my CREDIT REPORT XXXX : Account previously in dispute - investigation complete, reported by data furnisher Good evening, XXXX. I'm XXXX, a supervisor in our Utah billing department. I apologize for the frustration you've experienced with your attempt to close the dispute with XXXXXXXX XXXX. Our intent is not to over complicate the request and I appreciate you bringing this to our attention. I can confirm that the dispute was closed as of earlier today. In regards to the remarks that you mentioned - all disputed transactions found in favor of the merchant must be reported " as disputed '' to the credit bureaus by XXXX. That would have been placed on your account with the dispute previously ; however, because the case was closed at your request, I will update that and you will receive written confirmation of the update via mail. Is there anything else I may assist you with at this time? 

I never knew a dispute with a credit card was reported to the credit bureaus and now XXXX is affecting my credit score it dipped 39 points in a month! Why are you reporting something and since the first dispute I won because that business refunded me I was in the right and I won the XXXX  dispute too as the franchise owner sent me vouchers that equalled the whole amount of my purchase. So are you reporting false information to the 3 credit bureas? I will soon be buying a new home and you better be reporting this correctly as this is my livelihood. XXXX has been horrible to work with. I have NEVER had these issues with any of my credit card companies. XXXX is the best one I have and everytime I have a dispute especially if it under {$50.00} they simply credit me and a dispute is automatic. I do not have to email you people everytime to trigger it. Once I pay this credit card off I will not be using it. You have been treating me very poorly. The only reason I had XXXX is because of the foreign fees, but now you are affecting my credit scores and it is not acceptable. I will report you to the CFPB if you can not confirm HOW you resolved and reported to the credit bureas for the past two disputes.So you are stating you found the dispute to be in favor of the merchant? Ummm no the cleaning authority REFUNDED ME for the dispute I have records of my XXXX  case and everything and XXXX  the same thing! I sent you a message twice for these when they sent me a credit stating that they gave me a credit. WHY ARE YOU FILING THE DISPUTE IN FAVOR OF THE MERCHANT?! 
I forgot to add Equifax to my original complaint XXXX as I could not view my credit report yesterday. If you can please merge this case onto that one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
A prior complaint against Diversified Adjustment with CFPB resulted in the company responding and saying they agreed to delete the collection from my credit report and not report it again if I paid within 15 days. They deleted and I paid. This morning I received an alert that Diversified Adjustment had added the collection back to many credit report dropping my score 32 points. Please fix this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: VA

Complaint narrative:
Why is XXXX still showing on my credit report still. It has been on my report for over 7 years and it is fully paid. It needs to be removed as policy states. I have put in a dispute to have removed and it was said dispute has been resolved but nothing has changed on credit report still looks the same.

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 2021-09-17 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: DISCOVER BANK
State: WI

Complaint narrative:
what are these remarks by DISCOVER on my CREDIT REPORT XXXX  : Account previously in dispute - investigation complete, reported by data furnisher Good evening, XXXX. I'm XXXX, a supervisor in our Utah billing department. I apologize for the frustration you've experienced with your attempt to close the dispute with XXXX 's. Our intent is not to over complicate the request and I appreciate you bringing this to our attention. I can confirm that the dispute was closed as of earlier today. In regards to the remarks that you mentioned - all disputed transactions found in favor of the merchant must be reported " as disputed '' to the credit bureaus by Discover. That would have been placed on your account with the dispute previously ; however, because the case was closed at your request, I will update that and you will receive written confirmation of the update via mail. Is there anything else I may assist you with at this time? 

I never knew a dispute with a credit card was reported to the credit bureaus and now Discover is affecting my credit score it dipped 39 points in a month! Why are you reporting something and since the first dispute I won because that business refunded me I was in the right and I won the XXXX dispute too as the franchise owner sent me vouchers that equalled the whole amount of my purchase. So are you reporting false information to the 3 credit bureas? I will soon be buying a new home and you better be reporting this correctly as this is my livelihood. Discover has been horrible to work with. I have NEVER had these issues with any of my credit card companies. XXXX is the best one I have and everytime I have a dispute especially if it under {$50.00} they simply credit me and a dispute is automatic. I do not have to email you people everytime to trigger it. Once I pay this credit card off I will not be using it. You have been treating me very poorly. The only reason I had Discover is because of the foreign fees, but now you are affecting my credit scores and it is not acceptable. I will report you to the CFPB if you can not confirm HOW you resolved and reported to the credit bureas for the past two disputes.So you are stating you found the dispute to be in favor of the merchant? Ummm no the XXXX XXXX REFUNDED ME for the dispute I have records of my XXXX  case and everything and XXXX  the same thing! I sent you a message twice for these when they sent me a credit stating that they gave me a credit. WHY ARE YOU FILING THE DISPUTE IN FAVOR OF THE MERCHANT?!

Company response to consumer: Closed with explanation