vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have an auto loan with Bank of America, and have been making all payments on time using their in house auto-payment system. I recently opened a new business checking account with them in XX/XX/2021, and ran into an internal technical issue where the new account essentially booted my other bank off of my auto loan causing my auto payment to not go through. After seeing a late fee in XXXX I immediately called in to which I reached an executive leader who informed me of the backend issue and assured me the fee would be waived as it was internal, and helped get the issue resolved. 
Coming up to XXXX, they simply moved the fee from XXXX to XXXX payment instead of waiving it. To avoid another fee, I paid the amount with the fee and called in to discuss the issue multiple times, and on 3 seperate occassions was told it would reflect on my next cycle. The next cycle still does not reflect any refund, and Anytime I call back in, I speak to supervisors who place me on indefinite holds and disconnect my calls. 

XXXX XXXX Escalations manager- XXXX Florida placed on 25 min indefinite silence.XXXX XXXX CST. 

XXXX XXXX senior escalations manager- XXXX Florida- refused to send documentation The company seems to be claiming they are waiving these fees, then simply collecting them on the back 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 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING XXXX XXXX XXXX XXXX XXXX  XXXX Opened : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX Balance {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX I received a text message from Regions about a fraudulent charge. I confirmed I did not recognize the charge and the debit card was canceled. 

On XX/XX/XXXX I was available To follow up on the issue and try to get a new card renewed. Due to my job I was out of the counrty. XXXX XXXX services were recommended to get a temporary emergency card issued to me. 

I submitted a request with XXXX and was later informed via email that the request was denied by Regions Bank and that I should follow up with them as to why. 

Every time I called the Regions they would refuse to follow up, or elaborate as to why. They would not discuss the request even after my identity was confirmed. Multiple times they would transfer me to XXXX, who at this stage can not help me. Going as so far to lie about putting me on hold to get a supervisor to transfer me to XXXX again. The only advice they would give me is to have someone else pick up my new card out of my mailbox and ship it with their own money. 

On the third follow-up call trying to resolve this issue the customer rep pretended not to hear me and transfer me to a dead-end phone number that automatically hangs up on me. 

Their refusal to do their jobs and constant deflection has left me stranded out of the country without access to funds

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 2022-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I originally received a warning which stated Gurstel Law Firm was going to be garnishing my wages on XX/XX/XXXX. I promptly reached out to them to confirm the debt was mine as I did not recognize the debt. I was attempting to purchase a home at the time so I was very aware of my credit score and any debt owed. While calling I was transferred to the attorney, XXXX XXXX. Through confirming my SSN and date of birth we had come to the conclusion that it was not my debt owed and it was my father 's debt. My father and I, unfortunately, have the same name with the exception of XXXX and XXXX. I was told by XXXX that he would make note of it and all was cleared and notice was sent to not garnish wages. 

XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that Gurstel Law Firm would be garnishing my wages once again, for the same debt with the same file number. Clearly, XXXX did not make a note in the file. I immediately reached out to XXXX to resolve the issue. He was not available. XX/XX/XXXX I was able to get in contact with XXXX again and he was not as pleasant. Through once again confirming my SSN and date of birth we found it was not my debt, once again. This time I asked what he was going to do to ensure I did not keep facing penalties of my father 's debt, to which he was unable to offer any definitive answer. I then informed him of how this is considered fraud, and in direct violation of the FDCPA to which he responded " I don't need to take legal advice from you. '' While, no, I am not licensed to practice law. I clearly have a better understanding of it than some of the attornies at the aforementioned collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp
State: CA

Complaint narrative:
LendingClub Bank Checking account ending in XXXX are frozen on XXXX. Upon requested, I have submitted all the documents along with explanation of the recent deposits/withdraws. 

My client verified with his bank ( XXXX XXXX XXXX ) the checks are cleared with sufficient funds, and LendingClub bank continue kept our funds frozen without proper notice. 

As of XXXX, the contract between my client and our company is in a halt and incurring consequential delay costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
My escrow balance is more than needed. My property taxes have gone down by {$700.00} and the company will not review my escrow balance / conduct a new escrow analysis until next XX/XX/2022. I think this is too late to be taking more money from me than needed to fund an escrow balance that will not be 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 2022-01-06 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I purchased 4 Fuel rims from XXXX XXXX and paid through Affirm. I never received order. The tracking did not include a signature or where it was delivered. I contacted seller and they never did anything. I created a police report for the lost package. I contacted Affirm to open a dispute as I have not received the goods, but they never helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX Balance {$13000.00}

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 non-monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
We purchased a new 2022 XXXX XXXX XXXX and financed through BMO Harris. We applied XXXX $ down with the dealer which brought our principal balance down too {$28000.00}. 

After I was enrolled with digital banking I noticed the principal balance was correctly reported to my credit, but not my account balance where I make payments. 

I reached out to the bank and spent well over an hour on the phone in which determined one system showed the correct balance, while the other system showed a 0 down payment balance. 
I worked with the representative and thought we had figured out the correct department to handle it. But there was no resolution while on the phone as they said this would take time. 

It has now been close to 3 months and the balance issue is not resolved.

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 2022-01-06 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: GA

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. Block and remove them from my consumer report : 1. Equifax Mortgage Services 2. XXXX 3. XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX Pursuant to 15 USC 6802, this is a demand, not a request. Federal law supersedes Equifax 's company policy. 15 USC 1681c-2 establishes what, I, the consumer must provide you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
XX/XX/2021 all 3 major credit bureaus received a dispute from me in regards to Quick Credit I requested validation not verification. I requested : 1. Documents from Quick Credit/XXXX  bearing my signature. Signed wet ink ; 2. Prove I have ever received any benefits from Quick Credit/XXXX  . 
3. Provide the amount of claimed debt, a true bill ; 4. Explain and show me how Quick Credit/XXXX  calculated what you claim I owe ; 5. Provide me with the originals of any documents that show I agreed to pay Quick Credit/XXXX  what is claimed that I owe ; 6. Provide a verification of any judgement if applicable ; 7. Prove Quick Credit/XXXX  are HOLDERS IN DUE COURSE ; 8. Prove the Statute of Limitations has NOT expired on this account ; 9. Prove Quick Credit/XXXX  is licensed to collect in South Carolina ; 10. If the claimed debt was sold ; provide the accounting in accordance with G.A.A.P. 
furnish a copy of the formal purchase agreement, and state the purchase amount for the alleged debt. Furnish the name, address, and telephone number of the authorized representative who was authorized to sell this alleged debt. SHOW PROOF! 
11. Provide the tax exemption for Account Number ( s ) XXXX ; the accounting and copies of ALL I.R.S. 1099 tax forms.

Quick Credit failed to respond to my Validation Notice. 2 ( two ) Validation Notices are attached along with current account information. Quick credit ignored my Validation Notice and my disputes via the credit bureaus and are currently updating my credit profile with unverified account information. Quick Credit are not Holders In Due Course.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2022-01-06 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: CORELOGIC INC
State: IL

Complaint narrative:
i talked to 5 people at credco and asked them to remove themselves from my credit report and they said they would but just tried selling me a loan which i didnt want

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 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DriveTime
State: GA

Complaint narrative:
I filled out application for apartment. I was denied lease due to alert on from consumer report. The alert stated : Inquiry information matched potential fraud ID data- credit file is unavailable. Please have applicant contact XXXX at XXXX. I spoke to XXXX representative and was told that there are 18 inquiries on my account. I need to dispute the inquiries that are showing.

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 2022-01-06 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I'm getting several loan and credit card statements saying I've opened all these accounts and it's not me. 
XXXX XXXX XXXX Application # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX- date XXXX - {$200.00} approved XXXX XXXX XXXX- XXXX account XXXX ending XXXX and XXXX XXXX XXXX Ad Astra Recovery ServicesXXXX Inc.- XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX Approved XXXX XXXX XXXX- Account number XXXX $ XXXX approved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent several disputes letters to Transunion and XXXX informing them of the fraudulent and unauthorized inquries on my credit report asking them to remove them. These are the list of inquries that needs to be removed from my Transunion and XXXX report immediately : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX Transunion 's nor XXXX 's Customer service nor the fraud department would help to remove these inquries from my credit report even after I submitted the information to them for these items to be removed.

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 2022-01-06 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: IL

Complaint narrative:
i talked to 5 people at XXXX and asked them to remove themselves from my credit report and they said they would but just tried selling me a loan which i didnt want

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 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i talked to 5 people at XXXX and asked them to remove themselves from my credit report and they said they would but just tried selling me a loan which i didnt want

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: VA

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: VW Credit
State: HI

Complaint narrative:
I contacted VW finance in 2018 and provided a court order to remedy my dispute. VW returned a vehicle to the possession of my ex husband that was titled under my name following a repossession. I was not made aware of the transfer of this property back into his care and obtained a court order stating that my ex husband would be entirely financially responsible for the vehicle, at which time he was ordered to retitle the vehicle under his own name and remove my name from the title. Volkswagen financing was provided with copies of this order on two separate occasions, and a formal dispute was filed. However, VW financing refused to honor the court order and placed this negative debt on my credit report.

Company response to consumer: Closed with explanation