vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I initially reached out to XXXX XXXX XXXXXXXX XXXX regarding a mortgage inquiry but never gave them authorization to pull my credit. I never heard back from them regarding the initial inquiry and so inquired with another company. Upon hearing back from the other company I was informed that XXXX XXXX XXXXXXXX had indeed pulled my credit on XX/XX/XXXX. I tried to contact the company regarding getting this hard inquiry removed but was never called back or had any form of communication sent to me. Last time I tried to contact them was today, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For several years, I have received Bank of America billing statements at my email address for someone else 's account. I have received dozens of these statements, and can provide the emails for the past year. 

I have contacted Bank of America several times to remove my email address from this person 's account, and service response has varied from " okay we will do that '' ( they don't ) to " sir, have you considered not using this email address any longer '' Again, I am receiving balance and account information for someone I do not know on my email address because Bank of America makes no effort to verify correct email information when setting up an account, and they offer no way to change or remove incorrect information.

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 2021-02-18 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There are inquiries on my credit reports on XX/XX/XXXX and XX/XX/XXXX that do not belong to me I have not approved nor inquired for these accounts. 

WF CRD SVC - Inquiry date : XX/XX/2021XX/XX/XXXX - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXXXX/XX/XXXX- Inquiry date : XX/XX/2021 2021

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 2021-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ascendium Education Group
State: WA

Complaint narrative:
As part of my loan repayment plan, I entered into a contract with XXXX. XXXX was working on behalf of Ascendium Education to service the loan. The loan repayment plan was set to automatically debit from my checking account on a specific day each month. No payments were missed. During XXXX, the Covid-19 pandemic occurred. When the CARES Act was passed by the U.S. Government, XXXX sent out a brief notification that payments would be temporarily suspended. There was no request sent in by me for this suspension. In XXXX of XXXX, I received a notification from XXXX XXXX XXXX XXXX, a collection agency who claimed they were working to collect a debt for XXXX ( latest collection letter attached ). I called XXXX on XX/XX/XXXX and spoke with agent XXXX XXXX. He told me that XXXX had ceased their suspension of payments in XXXX when the original CARES act expired. After 60 days, the account was sent to XXXX for collection. He advised me to contact XXXX to get a full explanation. I called XXXX on XX/XX/XXXX and spoke with XXXX, operation # XXXX. XXXX was very combative and argumentative. At several points in the conversation, she actually denied working for XXXX, instead claiming to work directly for Ascendium. Her fallback phrase, " your account is no longer in good standing '' was uttered in response to most of my questions. I asked why XXXX had not resumed their contractually obligated payments when their observance of the original CARES act ended. She refused to answer. When I asked why the account was sent to collections, she uttered her fallback phrase. When I asked why XXXX did not reach out to resume payments they had voluntarily suspended, she refused to answer. Eventually, I gave up on the conversation. As of now, XXXX wants me to enter into another contract with them, using XXXX as a servicer for a Consolidation. I feel this would be a very bad decision but feel pressured to try and get my account back into good standing. What are my options? XXXX has already added {$5000.00} in fees and interest in 2 months and Mr. XXXX says the interest is accruing daily. This debt is growing out of control and right now I see no hope.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I contacted Municipal Services Bureau again on XXXX XXXX, XXXX. They acknowledged I did owe anything to them. XXXX said she would mark my number not to call. I have received 8 calls from them since then. Their call back number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
From XXXX through XXXX I paid {$120.00} per month for credit repair services from Lexington Law that did not happened as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I had an outstanding debt for directv/att that was sent to Sunrise Credit for the amount of {$290.00}. I called the credit agency ( sunrise credit ) on XX/XX/XXXX to settle for less. I settled for {$150.00} and the debt was paid on XX/XX/XXXX. I asked for proof but never received it in the mail. I called sunrise credit again XX/XX/XXXX inquiring about my paid off debt and they informed me that my account was sent to disputes and they could not access it. 
I called sunrise again today, XX/XX/XXXX to inquire about my proof of payment and closure of account. They informed me that my account was sent back to XXXX and to call them. So, I called XXXX and after being transferred 5 times, I spoke with a man that told me I still had a remaining balance of {$140.00} and I needed to pay the remaining balance before the debt would be considered paid in full I am trying to purchase a home and this debt is lingering on my credit reports. I settled for less so this debt would be removed from my credit reports in a timely manner and I could purchase a home by mid XXXX but here we are, mid XXXX and this debt is still haunting me.

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 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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:
Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, I also spoken with XXXX at XXXX on XX/XX/XXXX, I spoke with XXXX at XXXX  on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my Equifax credit report : ( US DEPT OF ED/XXXX Account # XXXX, Balance {$5200.00}, Open date XX/XX/XXXX ), ( US DEPT OF ED/XXXX Account # XXXX, Balance {$6900.00} Open date XX/XX/XXXX ), ( US DEPT OF EDXXXX Account # XXXX, Balance {$3400.00} Open date XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX, Balance {$5100.00}, Open date XX/XX/XXXX .I did not authorize any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: NE

Complaint narrative:
Sallie Mae has charged intertest totaling {$44000.00} on 4 loans of the 6 loans that I have with them. The specific amount of interest on each of these loans is {$20000.00} ; {$11000.00} ; {$9800.00} ; & {$2800.00}. The monthly interest payments were made as was requested by Sallie Mae but I believe Sallie Mae has incorrectly applied these payments to different accounts instead of the accounts that were intended to be paid. I have been unable to get a run down over what payment amount was applied to each account and when from Sallie Mae. I look to you for help with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: TX

Complaint narrative:
Since XX/XX/XXXX I have been requesting that Experian provide me with the proof of their right to report UNverified accounts on my credit file in the form of physical contracts stored within their computer database. I submitted requests disputing these UNverified accounts via certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Every account I disputed was investigated by Experian and the results were " verified ' and updated, however Experian did NOT provide me with their method of verification and they FAILED to provide me with the copies of any original documentation of a physical consumer contract with my signature on it. Accounts I am disputing : # 1 XXXX XXXX open date XX/XX/XXXX original amount {$1600.00}, # 2 XXXX XXXX open date XX/XX/XXXX original amount {$6000.00}, # 3 XXXX XXXX open date XX/XX/XXXX original amount {$3500.00}, # 4 XXXX XXXX open date XX/XX/XXXX original amount {$2700.00}, # 5 XXXX XXXX open date XX/XX/XXXX original amount {$4200.00}, # 6 XXXX XXXX open date XX/XX/XXXX original amount {$790.00}

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 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: IQOR US INC
State: TX

Complaint narrative:
The agent failed to identify themselves as a debt collecter, and would not provide contact information about the company. They gave me the run around and would not supply me the name of the company, nor a contact phone number. 

After speaking in circles the agent, XXXX XXXX, let it slip that they worked for Allied Interstate, LLc. 

The phone call took place XXXX CST and lasted 13 min and 39 seconds before the agent hung up on me.

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 2021-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a refrigerator from Home Depot in XXXX, I got a delivery of the item on XXXX XXXX, 2020. It was a XXXX refrigerator with ice maker, it takes 6-8 hours for the ice to make, it was defective out of the box. I was told if anything isn't working to report within 48 hours. Which I did, I was promised it will be swapped with another product. After changing few delivery dates, I had the non-working refrigerator replaced with another. The second one came damaged, the freezer door would not open once you load with frozen items. It had something broken in the sliding wheels, I do not know. I was again promised the store will swap, this one took way much longer. The product was out of stock. Then Finally XXXX XXXX, I received my refrigerator, the 3rd one works, it came with a missing part on the door but the manufacturer has promised to ship it. 

With all this time Home Depot was very helpful with helping me out. Home Depot did what it could to help but the store credit card which is by Citi Bank is charging me interest and finance fees from XXXX. I have called many times and the customer service refused to reverse the additional finance and late fees posted on my credit card. I like them to remove it and I am happy to pay for the product I purchased, but, without the fees. 

Please help. 
Thank you in advance. 
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 monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Open Road Finance Corporation
State: FL

Complaint narrative:
I requested a loan from Open Road Finance. 
On there web site it states easy, fast motorcycle loans. I was pre-approved through their website. 
When I called the company to accept the loan I was told they only finance XXXX XXXX through their approved XXXX dealer and they could direct me to a dealerships they work with. 
The advertising is misleading. It seems like a scam to me, they must be getting kick backs from dealerships for directing people to their dealerships. Very deceptive advertising. 
Their web site should state they only finance XXXXXX/XX/XXXX at dealerships they approve of. 

https : //www.openroadfinance.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/2021 Capital One and XXXX from Customer Protection froze my account with {$93000.00}. Over an apparent mistake fraud claim by ONE XXXX  payment, which has since been resolved. Furthermore, accounts held by white/caucasian have been able to remain open with multiple fraud claims, but me being a minority has made me a target during a global pandemic for unfair lending and banking practices. The hold times to speak to someone are upwards of 1-2 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: IL

Complaint narrative:
I viewed a copy of my credit report and noticed that it is reporting a late payment of 30 days for XX/XX/2021 and we are still in XXXX, and not only that I was never late in XX/XX/2021 yet this bureau is reporting my account with a late for 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 2021-02-18 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: CITIBANK, N.A.
State: OH

Complaint narrative:
credit card company : CITI Cards / Best Buy Visa XXXX Acct Number ****** XXXX XXXX XXXX XXXX XXXX ) XXXX The Merchant, XXXX XXXX, retained my credit card information from a prior purchase without my knowledge and charged a " surprise '' an unauthorized transaction to my account on XX/XX/2020 in the amount of XXXX. There was never an agreement or permission for future charges with this company which is about 800 miles from where i live. I have had no reply from the merchant to remove the charges. The credit card company has failed to find favorably on my behalf even though I reported the unauthorized and fraudulent transaction timely and it writing. The Credit Card company has told me on the phone they will resolve it, but then in writing tells me they find me responsible without explanation. The one and only transaction with this company was on XX/XX/2020 in the amount of XXXX which has a signed charge slip that has been notarized. No other transactions have been signed or authorized. The guidelines simply state in matters such as these, the credit card must find favorably for me. Please instruct the credit card company to remove these unauthorized charges from my account without penalty or delay. No request has ever been made from merchant and emails have gone unanswered. 

Additionally, copies requested of all paperwork have not been forwarded to me. As such, dealer and finance company have not properly disclosed regulation Z. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I had an impound account with this lender and was making monthly taxes and insurance payments into the account. Unfortunately, the lender failed to pay my County Tax bill that was due on XX/XX/XXXX ( for {$2600.00} ). 

I tried contacting the lender twice on XX/XX/XXXX to discuss the issue, and both times was told that my taxes were not due, and that they did not fail to make the payment. After explaining the situation, they agreed to file an inquiry about the missing payment and said that I would hear back from them within ten business days. I never heard back. 

I've since sold the property ( on XX/XX/XXXX ), and have made the missing County Tax payment through my closing costs during Escrow - in the amount of {$2900.00} ( this was for the original {$2600.00} + a 10 % late penalty of {$260.00} ). 

I tried contacting the lender again on XX/XX/XXXX to request a reimbursement of the {$260.00} late penalty that I paid as a result of them not making the payment on time. The lender told me that they would file another inquiry, and that I should hear back from them within three business days. I never heard back. 

I contacted the lender again on XX/XX/XXXX for an update. I was told that the inquiry was closed on XX/XX/XXXX and that I would be receiving a check in the mail for the 10 % late penalty in the amount of {$260.00}. This check was never mailed. 

I contacted the lender again on XX/XX/XXXX for an update. I was told that the previous representatives that I spoke with about the issue did not fully understand the problem, and that a check was never mailed to me. They spoke to their supervisor, and told me that they needed to file an additional inquiry regarding the issue and promised to contact me within 48 hours with an update. I never heard back. 

I contacted the lender again on XX/XX/XXXX for an update. I was told that the inquiry was still in progress and that they didn't have an update available for me at this time. They promised to stay in contact with me and to provide updates as soon as they were available. As of XX/XX/XXXX I have not received any additional updates. 

I would like to be reimbursed for the {$260.00} late payment fee that I'm entitled to as a direct result of this lender failing to make my tax payment on time. I've tried contacting the lender six different times and the issue has now drug out for over two months without a resolution or any update from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied in XX/XX/XXXX and after fulfilling all the requirements the bank will not give a response, allowing the documents to expire and not able to provide a response, this has happen up to 3 times during XXXX and the involved agents will not give me an explanation why taking so long that papers have to expire 3 times. Financial statements, covid attestations, credit pull every time again and again, which also damages my credit score etc.. In XXXX when i was expecting an answer, they just send me an email stating there is a new agent and has to start process again. 
So finally now in XXXX i decide not to continue with Suntrust mortgage lender institution. 
My credit is good XXXX, own a house Is there a bank negligence? 
3 times, every financial statement requested to my accountant has an additional charge and pull credits reports XXXX XXXX XXXX  Re : 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 2021-02-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are inquiries on my credit reports on XXXX and XXXX that d o not belong to me I have not approved nor inquired for these accounts. XXXX XXXX XXXX - Inquiry date : XX/XX/2021 BK OF AMER - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 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