vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
This is an issue with my XXXX credit report not reflecting my mortgage or Heloc loans. 

XX/XX/XXXX - Notified via my XXXX app that my score dropped XXXX points ; looked at my report and saw that neither my primary mortgage or my Heloc were reporting from First National Bank ( FNB  ) as usual ; sent an email to XXXX  inquiring about this issue XX/XX/XXXX - received email from FNB that mortgages are in good standing and have been reported ; told to use the credit section of my FNB app to sign up for credit reporting through XXXX XXXX XXXX XXXX', of which I did not do this since they are not one of the top XXXX credit bureaus ; filed a dispute with XXXX ( XXXX ), also filed a dispute with FNB ( XXXX ) ( No response at all from either company ). 

XX/XX/XXXX - called XXXX again and told by XXXX that FNB is not reporting ; that XXXX can not assist me ; dispute was useless XX/XX/XXXX - sent email to XXXX customer service that they are in violation of the Fair Credit Reporting Act due to their unwillingness to correct inaccurate information XX/XX/XXXX - told by FNB mortgage representative ( XXXX ) that XXXX refuses to report ; told this is affecting all FNB customers yet the FNB mortgage services department will not release anything in writing to it's customers and said their legal department is " aware of the issue '' yet no notices were sent XX/XX/XXXX - called XXXX again and was told that " what is showing is reflecting what FNB is reporting '', yet the other two reporting agencies of XXXX and XXXX are both showing my FNB loans ; XXXX refused to assist and refused to file a new dispute. 

XX/XX/XXXX evening- received a call from FNB mortgage department ( XXXX ) stating they had just received an email that XXXX 's reporting should be " turned back on '' by Thursday, XXXX XXXX. 

Both companies are in grid-lock saying it's the other one 's fault. Neither have fixed my report and both have failed to notify customers or respond to disputes for two weeks. I have documented this in writing to both companies. Someone is not telling me the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: MA

Complaint narrative:
The victim discovered on XX/XX/XXXX on her XXXX credit report a fraudulent XXXX  XXXX XXXX XXXX account. The account was opened in XXXX and has been open since then ; this record only appeared on the credit report for the first time 7 year later in XXXX. The report also includes several incorrect addresses, which may or may not be related to the fraudulent account ( see attached statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The victim discovered on XX/XX/XXXX on her Experian credit report a fraudulenXXXX XXXX XXXX XXXXXXXX XXXX account. The account was opened in XXXX and has been open since then ; this record only appeared on the credit report for the first time 7 year later in XXXX. The report also includes several incorrect addresses, which may or may not be related to the fraudulent account ( see attached statement ).

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 2021-11-30 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
ALLY Date : XX/XX/XXXX Deficiency Amount : {$14000.00} RE : South Carolina Department of Consumer Affairs Compliant XXXX XXXX XXXX XXXX XXXX Executive Customer Relation , reported inaccurate billing information to the South Carolina Department of Consumer Affairs XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX clearly stated in 4 paragraphs a response letter to South Carolina of Consumer Affairs the XXXX XXXX XXXX, XXXX XXXX, was sold on XX/XX/XXXX, with the remaining balance due in the amount of {$14000.00}. In a letter addressed to me dated XX/XX/XXXX, the XXXX XXXX XXXX was not sold on XX/XX/XXXX. Therefore, the deficiency amount is inaccurate because Ally fails to provide financial statements and other documentation under the UCC at the South Carolina Secretary of State 's Office. In addition, the banks could not prove that the subject vehicle repossession was legal and in compliance with UCC Ally did not furnish any evidence when requested through a certified letter dated XX/XX/XXXX. 
As of today, Ally does not have Account.XXXX on file.

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 2021-11-30 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: MUFG AMERICAS HOLDINGS CORPORATION
State: NV

Complaint narrative:
Hello. I was notified by mail in XXXX of possible fraud charges. Called and there were XXXX fraud charges to the same vendor XXXX. Reported all charges as fraud. 

It is now the end of XXXX ( the XXXX ) and they have not resolved these. The voicemail for the person I was informed to follow through with is XXXX at XXXX x XXXX. Her voicemail says they are experiencing higher than normal volume. The same or similar message was there in XXXX. 

Files of available statements attached showing fraud charges, finance charges, and prior balance of XXXX. 

Thank you for your time and attention.

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 2021-11-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: LA

Complaint narrative:
Finance of America Reverse, Loss Draft Department continues to hold my insurance disaster claim check in the amount of {$11000.00} without cause for well over 30 days and never processed an initial dispersement for my home to get repair. Finance of Am have already confirmed receipt of check on XX/XX/XXXX and that no other info is needed. They have continuously informed me that they will process the funds to me each time I called and as of date no receipt of funds. I called on XX/XX/XXXX for status, XXXX XXXX stated Finance Of America notes in file receipt of check on XX/XX/XXXX as requested and contract, receipts, and invoices of contractors was also received and confirmed by Finance of America and no other info needed for initial dispersement. I called again XXXX, funds, not processed, again on XXXX, XXXX XXXX ( Rep ), funds not processed but stated she was sending urgent message to Processor to release funds; called again on XX/XX/XXXX, XXXX XXXX who again confirmed no other info needed and again stated he will send urgent request for release of funds. Because of their continuous neglect and disregard of devastation of damages, I had to borrow and use my own limited funds to get my entire roof replaced as I have rained in damage to my home. My ceiling is sloped and cracked from rain in and Finance of America have been notified over and over again. I am a XXXX XXXX on XXXX and need the funds ASAP. Damages to my home is still progressing to worst results and I have no more personal funds to get these repairs completed and I should not have to when Finance Of America is holding my money or worst have stolen my insurance disaster funds. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
My loan was transferred to UWM loan servicing. There was a problem with the first payment being processed between the servicer and my bank. The servicer never contacted me by email or phone. When I went to make the following payment I realized the payment wasn't processed correctly. I then made XXXX payments at once to get the account satisfactory. Under the law I'm granted a 60 day grace period from being reported late or incurring any late fees. UWM continually reports me 30 days past due to the credit bureaus. They refuse to update my account to current with no late pays. I have made several attempts to work with UWM servicing to get this rectified. Please work with them to get my payment history reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Toyota Financial Services has an auto draft option that I have set up on their website. My last payment on the invoice was {$660.00}. Toyota Financial Services draw drafted incorrect amount of {$660.00}. Therefore, there was an overpayment of {$0.00}. I understand that it is a small amount but that is still my hard earned money. At the same time, it is their system 's fault that it drafted the incorrect amount. I contacted their help support XXXX times and in their latest response, they stated that because the money is less than {$1.00}, they refuse to send a refund check. If this is the case, this is not a good practice. If they have a system issue and decided to OVER draft millions of customers. 
XXXX XXXX or any small amount less than {$1.00}. If they overdrafted XXXX XXXX customers, that is potentially up to $ XXXX they are KEEPING because they refuse to send a refund check for less than {$1.00}. That doesn't sound right to me. They should FIX their system OR refund every penny they INCORRECTLY drafted from customers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: Synovus Bank
State: SC

Complaint narrative:
I'VE DISPUTED THIS FRAUDULENT ACCOUNT NUMEROUS OF TIMES AND NOTHING HAS BEEN DONE. I'VE SUBMITTED MY POLICE REPORT, AND FTC REPORT LIKE INSTRUCTED AND STILL THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. I'VE REACHED OUT TO THE COMPANY IN REGARDS TO THIS MATTER AND WAS INSTRUCTED TO CONTACT THE CREDIT BUREAUS. I'VE BEEN GOING BACK AND FORTH FOR OVER A TWO MONTHS WITH NO RESOLUTION. I NEED THIS ITEM REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LoanCare, LLC
State: TX

Complaint narrative:
My mortgage loan was processed out of forbearance on XX/XX/XXXX into a covid-19 defferal by this serviceer ( loancare ). I made my first pmt post forbearance on time on XXXX XXXX, XXXX but that payment was wrongly applied based on the XXXX XXXX XXXX stmt i received. 

On the XXXX XXXX stmt, the pmt i made post forbearance was applied to payment due in on XX/XX/XXXX based on the " description field '' on the line item in the stmt. Why would they do that? The unpaid balance during forbearance should be placed in a non-interest bearing account and added to the back of the loan. Pmts made post forbearance shouldn't be used to offset pmts missed. 

I've tried resolving this via multiple calls to this company and i've been unable to talk to anyone who understands what the process should be to resolve this. Its been one clueless customer rep after the other. 

My online profile shows a " next payment due date of XXXX XXXX, XXXX '', even though i made a payment on XX/XX/XXXX that is incorrectly reflected on the statement. Also, my payment due on " XX/XX/XXXX '' from the incorrect stmt generated on XXXX XXXX, XXXX has an amount due of {$7100.00} which is twice my normal payment. 

I went through the same covid-19 deferral process with XXXX and it only took XXXX to start/complete the process. This loancare process has been ongoing for me since XX/XX/XXXX when i contacted the company to exit forbearance. 

I was told to wait on the system to update in the companies response to me on XXXX XXXX. Exactly what system needs to be updated when the payment i made was accepted by the system but incorrectly applied. Its not a systems issue, clearly this servicers team needs significant help with training. 

My regular monthly pmt is what i will pay in XX/XX/XXXX and if loancare falsely reports defferred payments to credit agencies thereby distorting my business credit I will most certainly pursue litigation against these incompetent organisation.

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 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Am Having A Problem With my Bank Of America Checking Account i Was Charge {$35.00} Dollar Overdraft fee on my Account for a Transaction From XXXX I Contacted Bank Of America Customer Service to see if they would help me remove that fee from my account i never had a overdraft fee on my account please help me with this problem please

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 2021-11-30 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: PA

Complaint narrative:
i have contacted all XXXX credit bureaus to challenge the 100 % accurate and factual reporting of XXXX accounts showing up on my credit report " XXXX '' ... ... all XXXX times that ive challenged them, they have come back verified as accurate ... how is this possible? they are not conducting proper investigations is the answer ... i have attached a copy of the report with all of the inconsistencies circled,,,,, THIS ACCOUNT HAS BEEN RE AGED THIS IS A VIOLATION

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 2021-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
Due to COVID-19 problems, my husband who lost his job because his employer closed shop was under the deferment plan. My mortgage was sold to XXXX from Iberia Bank. I started paying XXXX who used XXXX for servicing. They take months to credit your account since they will not allow me to pay online like Iberia. Because of health problems and the layoffs, I applied for a grant to bring my mortgage up to date. Due to the lag time of crediting my payments and the late fee they claimed come from my previous mortgage company, I can not get the grant money I was awarded because of a {$10000.00} cap. The {$10000.00} has to bring the mortgage current. They take literally weeks to credit payments. The late fee from my mortgage was addressed in 2012, where I showed the company that I did not owe this amount and even filed a complaint with the credit bureau. I proved that the payments were on time, and that they were taking too long to credit my account ( I started sending certified mail for proof ) so once they initiated online payment, I did not have to address this issue. XXXX says I owe {$3900.00} in late fees. that impossible and not collectible. Iberia Bank said I did not owe this and then they transfer this loan to First Horizon. No one tried to research this or to think for themselves of why would I be allowed to carry a {$4000.00} late for at {$100.00} a pop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
After paying my account in full according to comenity 's web payment. 
I was charged late fees. They will not stop applying fees and charges after I pay the balance in full. And they've reported late to my credit company for XXXX even though i paid my bill in full. 
XX/XX/2021 LATE FEE CREDIT- {$22.00} XX/XX/2021 XXXX XXXX XXXX- {$2.00} XX/XX/2021 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2021 XXXX XXXX XXXX {$0.00} XX/XX/2021 PAYMENT - THANK YOU - {$48.00} XX/XX/2021 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2021 XXXX XXXX  XXXX {$0.00} XX/XX/2021 LATE FEE {$22.00} XXXXMINIMUM INTEREST CHARGE {$2.00} XX/XX/2021 XXXX XXXX  XXXX {$0.00} XX/XX/2021 LATE FEE {$10.00} XX/XX/2021 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2021 XXXX XXXX XXXX {$0.00} XX/XX/2021 LATE FEE {$4.00} XX/XX/2021 XXXX XXXX  {$3.00} XX/XX/2021 XXXX XXXX {$0.00} XX/XX/2021 XXXX XXXX XXXX {$0.00} XX/XX/2021 PAYMENT - THANK YOU - {$250.00} XX/XX/2021 XXXX XXXX {$4.00} XX/XX/2021 XXXX XXXX {$0.00} XX/XX/2021 XXXX XXXX XXXX {$4.00} XX/XX/2021 LATE FEE {$29.00} XX/XX/2021 XXXX XXXX  XXXX {$4.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX {$200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30 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: FL

Complaint narrative:
Ive sent multiple letters and FTC Reports to Equifax XXXX XXXX and XXXX. All three refused to investigate my claim. Ive told them Ive been a victim of identity theft. They keep saying they verified it. But Ive havent seen anything in writing. The following accounts are All fraudulent. Ive never done business with these companies or entered into a written contract. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: PA

Complaint narrative:
i have contacted all XXXX credit bureaus to challenge the 100 % accurate and factual reporting of XXXX accounts showing up on my credit report XXXX XXXX  '' ... ... all XXXX times that ive challenged them, they have come back verified as accurate ... how is this possible? they are not conducting proper investigations is the answer ... i have attached a copy of the report with all of the inconsistencies circled,,,,, THIS ACCOUNT HAS BEEN RE AGED THIS IS A VIOLATION

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