vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently traded my vehicle in back in XX/XX/XXXX. At the time i had a fraud alert on my equifax report and they could not pull my credit at the dealership. I contacted Equifax customer care and the freeze was removed. I was still having some issues with the dealership pulling up the report so i was told to allow 24 hours and they will be able to pull my report. I waiting it out and went back to the dealership the next day and it was still not able to be retrieved, we reached out to equifax several times and every rep stated they see no freeze or fraud alert and everything is ok. My dealership was able to get me financed with this issue still in play. So now i notice when i check my credit report, my equifax score is not updating. The score is still on XX/XX/XXXX. Also my new car is not on my equifax report, but they are on my XXXX and XXXX. My recent car payments has really made a change in those scores and are exceeding the score that is showing with Equifax. You can see the Car inquiry from the car dealership on XX/XX/XXXX but my car is not on the report. Its hard to get through to equifax and its hard to get a representative that understands. I have not had any issues with XXXX or XXXX, My scores are going up thank God to my payment history and i see them change on a regular bases. But not my Equifax. I notice a lot of companies now are using the Equifax score to approve you and i really need help to resolve what is going on them and my credit profile. I login into my Equifax profile on equifax.com and it still on the same information from XX/XX/XXXX. No current report as if i dont have credit. Im not sure what is going on. I am trying to get my credit up so that i can possibly soon purchase a home and other goals i have and i dont want this to have an impact on me getting approved. I have attached my XXXX XXXX view of my equifax and my actual equifax.com view of my credit profile. You can see On XX/XX/XXXX. My credit profile and information was there. And look at the one with todays date XX/XX/XXXX, it shows not personal information or credit profile. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I thought I wanted the XXXX credit card. I submitted my application. Within a minute I changed my mind. I called XXXXXXXX XXXX XXXX XXXXXXXX to cancel the card. I was told by the employee that my card was canceled and he assured me that a credit check will not happen. To find out on my credit report a hard inquiry was done on XX/XX/2021 the same day I called an canceled. I was told twice by XXXX to call them and ask for a letter, so it will come off of my credit report and twice I called XXXX XXXX XXXXnd they said there was nothing they can do because when I send in the application online even though I wanted to cancel it. They still automatically do a credit check. I tried to explain to them how wrong this was. I said to them " Well since you did my credit report without my permission I might as well just get the card. I was then told by two different people that I would have to do another credit check? Their system doesn't make any sense too me. It is absolutely wrong.

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 2022-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC
State: NE

Complaint narrative:
So I had a lease car with BMW. Before lease end, I found another bmw car I wanted at a different dealership than the initial leased dealership. I decided to buy.this next car instead of leasing. The new dealer agreed to pay the remaining balance on my lease ( XXXX payments ) to get me in new car. The leased car was returned to the new deslership, which I was assured was okay, that everything would be coordinated with old/original dealership. Well the payments were made but there was a termination fee that I was unaware of and was never taken care until I found out several months later. 

This had caused my credit score to decline by approximately XXXX points. That is severe to me for one and only late payment Ive had in 20+ years. While I take responsibility for actions, it was the mix up between the two dealerships that XXXX XXXX bearing on the payment not being taken care of. I did pay it immediately was bought to my attention. {$170.00} fee, not an actual payment, should not be held against and decrease my credit score XXXX points! 

Im attaching a copy of the payment I made to bring my account with BMW current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: AL

Complaint narrative:
In XXXX of 2021, I filed a dispute with this credit bureau about unverified Collection XXXX XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email from PayPal credit letting me know that the dispute filed mid-JXXXX XXXX was resolved on XX/XX/XXXX. And they asked me to take a satisfaction survey. 

In a letter from Synchrony Bank on XX/XX/XXXX the disputed amount of {$8700.00} will post a provision credit on my credit card and interest charges were going to be adjusted. 

On XX/XX/XXXX I received a letter from Synchrony Bank XXXX Customer Service XXXX ) regarding the dispute with XXXX. I answered their questions and provided documentation to support my claim. They informed me that they will investigate billing dispute and respond promptly. 

On XX/XX/XXXX I received another letter from Synchrony Bank saying they want to help me resolve the opened dispute claim. I received instructions to open a claim for the disputed amount. 

On XX/XX/XXXX I received a letter from Synchrony Bank saying they have concluded the research on my account and found it in my favor. The disputed amount of {$8700.00} will be show a credit on my account. 

It is now XX/XX/XXXX and NO CREDIT or REFUND was ever posted to my PayPal MasteXXXX Card with Synchrony Bank. When I call asking about it, I get transferred from Customer Service to Disputes to Fraud to Recovery and then back to Customer Service. I wasted over 25 hours on this issue. The consolation is that it's resolved in my favor. I just haven't seen the credit against my account. I would also accept a refund check if they choose this method. 

Synchrony Bank has all the documents necessary. 

I would prefer to see the refund applied to my current balance in PayPal Master Card. 
I can't wait any longer.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: TX

Complaint narrative:
I have tried to have SN Servicing Corporation to send me statements for my mortgage they have not done that I have also requested them to explain to me why are you stating my loan is a conventional loan when I have never done a modification on my loan the mortgage was a FHA loan when i first signed my loan back in 2015 I have requested that any payments misapplied to the principal be applied towards the passed due payments. I have also requested for my now wife to be added to the mortgage and that still has not been completed. This lender has only sent me payment history from my prior lenders but has not been able to help me with providing me with accurate numbers. 

My letters have been mailed out too SN Servicing Corporation XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got this card for donating plasma. The schedule of fees says there is a charge for using this at an ATM, even in network, and a charge for using a pin to get cash back. The only way to get cash without paying a fee is a bank teller withdrawal. I was told my card is not allowed to be used at a bank teller, and therefore the only way to get cash off the card will cost me money. That doesnt seem right. Due to the amount I have to claim this in my taxes, but I cant even get the cash from it.

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 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Since XXXX of XXXX we have held a mortgage with Shellpoint Mortgage Company. We pay our mortgage on the last day of the month for the first of the following month via automatic bank withdrawal. In XX/XX/XXXX our monthly payment was incorrectly applied to principle instead of XXXX 's monthly mortgage payment. Since then we have been charged late fees and penalties. We have made numerous calls to Shellpoint 's various departments in an effort to correct this problem with no satisfaction. They are looking for an additional payment of {$1100.00} which includes our normal monthly payment of {$1000.00} plus {$86.00}. We are asking them to subtract the misapplied payment towards the principle and add it to the monthly payments and remove all late fees and penalties from our account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Hi My name is XXXX XXXX I have some issues with PNC bank since XX/XX/2021. 
I have seen it on XX/XX/2021 some unauthorized activity in my account ending XXXX from my PNC account so I contacted my bank and let them know that I did not authorize those transactions with XXXX XXXX and XXXX and XXXX  and I file complaint with them so I when to the bank branch filled up dispute about it those transactions but they never give me my money back .the unauthorized transactions was made from XXXX for thee time {$100.00} and one time {$80.00} and four times {$250.00} from XXXX XXXX and another {$400.00} from XXXX XXXX and another 1000 from XXXX and all transactions together was {$3800.00} the bank never give me my money back. 
So please consider my complaint because Im struggling to make it living l will appreciate it if I have response from you Thank you Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I used synchrony bank. I asked them to extend me credit of XXXX over what I have and they charged me XXXX. Within a week I sent money to close account. I realized they charged me excessively for XXXX snd want half my interest back They are outrageous Pls advise. 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 2022-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This is the letter I wrote to Navient on XXXX XXXX XXXX. 
Below is my detailed Student Loan Information. I have also enclosed a pay-out history showing the payments that have been made to date, including CAPTIALIZED INTEREST and LATE FEES. 

I do not understand how I can be charged INTEREST in ADVANCE. The first loan was paid in full prior to the original due date, however, based on this CAPITALIZED INTEREST I was charged for interest on this loan for the entire duration of the loan even though I paid it off early. 

I would like detailed explanations for the following charges : 1. I would like an explanation and justification for the charges of Capitalized Interest. The TOTAL in CAPITALIZED INTEREST since XXXX is {$10000.00}. This is in addition to the monthly interest I have been paying. 

2. The TOTAL in LATE FEES since XXXX ( which was a result of the XXXX foreclosure crisis when my husband lost his business ) is {$210.00}. 

3. I would like an explanation of the an AdjustmenXXXX of {$1700.00} made on XX/XX/XXXX. 

4. I would like an explanation of the fees charged on the following payments : Payment of {$250.00} on XX/XX/XXXX - {$210.00} fee Payment of {$240.00} on XX/XX/XXXX - {$22.00} fee Payment of {$380.00} on XX/XX/XXXX - {$11.00} fee Payment of {$190.00} on XX/XX/XXXX - {$11.00} fee 5. I would like an explanation as to why NOTHING was applied to my Principal Balance for payments on the following dates and ALL was applied to interest : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All payments that were made on the XXXX of the month for the entire year of XXXX All payments that were made for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX In summary I have calculated the following : INTEREST PAYMENTS TO DATE : {$15000.00} CAPITALIZED INTEREST TO DATE : {$10000.00} XXXX. FEES {$260.00} LATE FEES {$210.00} UNEXPLAINED ADJUSTMENT {$1700.00} {$28000.00} It seems criminal to me to be charged {$28000.00} in interest and fees on a loan of {$48000.00}. I DEMAND AN EXPLANATION. 
I am wanting to pay the other 2 loans off within the next 30 days. I would appreciate an adjustment of the CAPITALIZED INTEREST as well as all the other interest and fees paid to date on these. 

You can calculate a PAID IN FULL date of XX/XX/XXXX. 

It appears to me that YOU owe money to ME. 

Please be advised I will take this to the highest authorities possible in order to have this type of criminal activity exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
When purchasing this car from XXXX XXXX XXXX, And financed through Mazda Financial Services, they did not disclosed to me the TILA, FDCPA, XXXX, Or any federal laws that protects consumers. After reading the laws, upon my findings, my finance charge on my contract is incorrect. My finance charge is not listed as the " sum of all charges '' according to 15 U.S. Code 1605. I also was not disclosed the right to rescind my contract according to 12 CFR 226.15. I would like to rescind my contract based on the errors, and unlawful findings of my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: FL

Complaint narrative:
My mortgage loan with XXXX XXXX XXXX XXXX as of XX/XX/2022 is XXXX and is totally current with the next payment due on XXXX XXXX, 2022. Experian shows a loan balance of {$160000.00}, which is {$3800.00} higher than the current balance. This caused my FICO score to fall XXXX points ( it should have been XXXX points ), from XXXX to XXXX overnight aXXXX XXXX  XXXX XXXX and XXXX points at XXXX XXXX XXXX. XXXX was the one that advised me of my drop. 

I contacted XXXX as per their instructions and the told me that it was a XXXX XXXXXXXX XXXX issue and that I should contact them. I tried doing so but no living person answers my calls or messages. XXXX  XXXX XXXX shows a drop of XXXX points ( sic ) and XXXX shows XXXX, which is not deserved but at at least they can add and subtract correctly. 

I am considering terminating my relationship with XXXX  XXXX XXXX because : 1. They make many mistakes, which you will be able to see in my previous complaint to you and, 2. It is impossible to get them to answer a call or message. 

PLEASE! HELP!!!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: NV

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX  XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XX/XX/XXXX {$770.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX  XXXX XX/XX/XXXX {$2000.00}. Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-01-27 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: NC

Complaint narrative:
After looking over my own credit report I have found a few accounts that I believe are reporting in error. I have requested multiple times proof of ink signature documents according to section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( XXXX ) ( A ) of the Fair Crediting Reporting Act showing that these accounts are indeed verified and belong to me and I am not aware of them. The accounts still haven't been verified legally to standard but continue to be reported on my credit report after months of request to have them removed. 
I am seeking the removal of these negative accounts that are reporting on my credit file or legal verification showing that these accounts belong to me. Please see below the accounts information in question. 

Account XXXX # XXXX Balance : {$20000.00} UNVERIFIED ( past XXXX yrs old )

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 2022-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America is closing the site where I have my safe deposit box on XX/XX/XXXX. I called to make an appointment but was told I have to come into a service center to make an appointment in order to close out my safe deposit box. During the pandemic I have limited my contact with everyone and I only want to make one trip to the bank, I was on the phone with Bank of America customer service rep on XX/XX/22 for 1 hour and 40 minutes and they could not resolve this issue, I only want to make an appointment and not expose myself or my husband, Going to the bank twice, once to make an appointment and once to close the box would require me to ask for transportation twice and this is a hardship for us as well as an added financial drain. The only resolution that Bank of America would offer was a mailing address to file a complaint. Since the bank is closing the physical location on XX/XX/XXXX, this needs immediate action. can you please offer some guidance?

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