vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VT

Complaint narrative:
I am consolidating my direct loans with FedLoan Servicing and received incorrect information. The letter stated that once I consolidate I will need to restart my 120 payments needed to make towards my PSLF forgiveness. This is incorrect, as per the Department of Educations waiver period starting XX/XX/XXXX and ending XX/XX/XXXX. Please correct this information - all payments I have already made towards my loans should count, I do not need to restart my count after consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX {$3000.00}

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 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
While attempting to pay a bill, I notices several deductions ranging from {$500.00} to {$10000.00} were made by someone other than account holders. I informed Truist bank. Truist is a bank that was created as a result of BB & T merger with Suntrust. I was formally with Suntrust. 
A fraud claim was issued for my checking account. Checking account put on hold. New account created and money left in account placed on hold was transferred to a new account. I can not pay bills through my new account. It doesn't show up when I'm in the Pay bills section. I have called Truist on several occasion and have even gone into the local branch. 
At first I though it was fraud but after hearing customers on XXXX XXXX XXXX it appears to be a internal banking issue. 


See attached.

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 2022-03-11 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX  Date of inquiry XX/XX/2022

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 2022-03-11 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX  Date of inquiry XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have started receiving emails feom community bank and receiving calls. I then blocked all numbers and started receiving no collar id calls. Which was again from comenity bank. So I started not answering. Then I began receiving emails from XXXX XXXX. I blocked them because I had never even heard of them before and the emIls were getting ridiculous. Yesterday I received a bill from comentiry bank for XXXX XXXXXXXX. The bill is addresses to me. The info has only a account number blocked out except for the four last digits of an account. For a {$230.00} the only place on the bill that has my name on it is the return payment with a XXXX XXXX . I called them and the person that picked up had a pause and delayed reaponse and tried to ask me for personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2022, between the hours of XXXX and XXXX, my vehicle was broken into and my work bag was stolen. XXXXnside was my wallet containing all of my personal identification including my social security card, drivers license, bank debit card and other personal cards/documents. On finding the break in we immediately cancelled the debit card and reported it stolen and filed a police report. Despite this, the following day while we were in the middle of fixing our broken window ( we do have documentation to prove this ), at XXXX at a branch in XXXX XXXX TN, my drivers license and debit card were used to access our Regions Bank account and {$650.00} was taken by someone using my identity. We found this out when the transaction popped into the account the following day and we couldn't pay our rent or cell phone bill. The same day my husband reported the illegal transaction to the bank via the customer service help line and followed up with the local branch manager the following day. 

According to bank policy stated on their terms and conditions, they have 10 days to investigate before they need to put the " temporary '' funds into the account while they finish the investigation. Despite numerous attempts on my part, my husband 's part, the local branch manager 's part, and even the detective and security personnel involved questioning this, no further information has been provided by the bank nor have they returned the funds, even temporarily. The detective assigned to the case was able to get still photographs of the transaction through the drive through at the bank and it clearly shows a vehicle not belonging to us, registered to a woman in XXXX, TN, driven by what appears to be an older male gentleman who used my stolen identity to access my account. Nobody involved can figure out why the bank is refusing to give us answers and give us our money back. We are on business day 15 since the theft without resolution and this is causing a severe financial hardship for my husband and I. 

I am attaching the preliminary police report below and the fraud claim number from the bank is 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 2022-03-11 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$350.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX {$3000.00}

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 2022-03-11 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My wife and I applied for a loan modification with Bank of America due to ongoing medical expenses becoming too expensive. My wife 's illness comes with a lot of expenses so we reached out and applied to see if we could lower our payments. We were assigned a direct contact, XXXX XXXX XXXX XXXX XXXX XXXX We submitted all the paperwork and answered all the questions. The loan modification approval came back but they wanted to INCREASE our payments, not decrease. We were shocked and disappointed. I asked XXXX why the payments would be higher when we were trying to lower them. She had no good explanation. I asked if she could reveal the terms but she told me she could not tell me any of the terms. We had to accept the modification and pay the XXXX trial payments in order to find out what the new terms would be. This seemed like predatory lending to me, why would a family accept a higher payment without being disclosed the terms? Either way, on that same call we politely DECLINED the offer and agreed to continue paying our regular mortgage payment. Now to my surprise, my mortgage statements are saying that we are participating in a loan modification and to pay the higher amount. I will include a copy of this. I have called and left XXXX detailed messages for XXXX XXXX and she has not returned any of my phone calls. Not only did Bank of America not assist us in reducing our payments to make them more affordable, but they want to increase it without sharing the details. We DECLINED the modification but our statements say something else. 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 non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Booked a trip through XXXX using Affirm, and due to hostilities and protests the rental was not safely accessible and I attempted to contact the XXXX XXXX  XXXX owner to cancel who further became combative. The trip was never taken due to XXXX XXXX and both XXXX and Affirm are not actively working to resolve as multiple calls and the case hasn't moved. There's no communication, and no resolution. {$980.00} for a rental that isn't reasonably accessible. I didn't cancel by choice or fault of mine, I want my refund processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
On XX/XX/2022, we discovered that our mortgage company, 'Nationstar ' through XXXX had failed to fully pay last years property taxes. As a result XXXX  XXXX County in Colorado have put a lien on our home which has been purchased. We contacted Nationstar and alerted them to the problem on the same day, they acknowledged that there was even a note on the account to pay the second half of the taxes but that had not been done. 

I have been in weekly contact with Nationstar and yet I am no further forward in having this 'mistake ' resolved. Nationstar have said they will take care of it and pay the taxes, lien and associated interest and fines but six weeks later the matter is not resolved. I find it incredible that this could happen in the first instance, I'm astounded that XXXX XXXXXXXX County put a lien on my home without my knowledge of an existing problem. 

While Nationstar acknowledge the problem lies solely with them and they will take care of it, it is little comfort to me six weeks later. There has to be some accountability

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UPGRADE, INC.
State: NY

Complaint narrative:
To whom it may concern ; Ive been experiencing issues with a digital - credit card company named, Upgrade for the past 45 - 60 days, due to the fact they restricted my account, because of a previously reported derogatory remark on my credit profile. Therefore, in XXXX of XXXX their office decided to restrict me from further using my the card. Please note that Ive been a member of this company for over two years and have never been late on my payments on either of the two accounts I have with them. I have tried numerous times to speak with someone from Management, so they could explain me to as to why their hasnt taken the time to review my account / credit file periodically to determine if the restriction should continue. Yet I am always told that no Manager is available to speak or for a call back. Their customer service is not helpful at all, quite sarcastic and condescending. 

The Upgrade Card , Inc. Customer Service no. is : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
My Identity was stolen I was told a credit card from XXXX XXXX was used under my informations ai went to the court house in XXXX nj to tell about the problem now I find out that I am in garnishement. The company is taking {$300.00} in my paycheck. I never used this credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I signed up for a credit card with Barclays and was approved on XXXX. I received 2 completely different cards in the mail. I called and was told it's not possible, that 2 accounts could not be created for one customer. After being charged annual fees on each of them, I called and was told that I indeed did have 2 of these barclays XXXX XXXX XXXX card accounts opened and that if I met the spend requirements I would earn the sign up bonus ( 80,000 XXXX Airlines miles ) on each. 

I did that, and received no bonus, nor a refund on the annual fee. 

Maybe it's not supposed to be possible as they said and I don't know how it happened, but it did, and I was assured that by going through the trouble of spending the money on the card and paying the annual fee, I would earn the bonus. 

To reiterate, I DID NOT open two accounts, as I'm sure their records will show. I submitted ONE application ( online ) and ended up with two accounts, two annual fees, and assurance that each should earn the bonus. 

On an earlier case the bank responded that " these bonuses and/or incentives are intended for applicants who are not and have not previously been XXXX XXXX XXXX XXXX XXXX XXXX cardmembers '' which does not address the issue that their glitch ( or whatever it was ) created.

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 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/2022 I was trying to rent an RV on the website RVShare. I originally found an RV but the owner had put in the description that I had to contact them on XXXX before booking to see if my dates were available. I contacted the owner 's XXXX number XXXX. The person XXXX XXXX aka XXXX XXXX wrote that the RV I wanted was not available. XXXX suggested some other RV 's that were available. XXXX wrote that if I booked that night they could give me a discount. I wrote OK. They sent me a link to start the process. I opened the link. It looked like the XXXX site but now I realize that it was fake. When I tried to pay for the booking on that site my bank debit card was declined. I informed XXXX of the problem. XXXX states that I could use XXXX. I told XXXX that I don't have XXXX. XXXX suggested that I use XXXX or XXXX. I said I could try to use XXXX. XXXX stated that XXXX was going to charge too high of a fee and I should get the XXXX app and do it that way. XXXX gave me the email XXXX to send the money to by XXXX. I obtained a XXXX account through my checking account at Chase Bank. I sent the money in 3 payments. After the first 2 payments ( {$2000.00} and {$120.00} ) were made, I received an agreement to sign from the email XXXX. The agreement stated that I need to send {$1000.00} to purchase insurance for the RV. I eventually sent the {$1000.00} by XXXX to XXXX. XXXX stated that she was wrong and the correct email for the insurance payment should be XXXX. XXXX suggested that I have the bank cancel the previous {$1000.00} payment and I send he {$1000.00} to the correct email by XXXX. I told XXXX that the bank has already sent that money and I could not cancel it. At this point, XXXX has told me they are trying to sort it out. I have not received the agreement back with their signature. I am now convinced that this is a fraud. I found the business address XXXX XXXX XXXX, XXXX, CT XXXX on XXXX. It is a vacant house for sale on XXXX. 
I also called the # ( XXXX ) XXXX on XX/XX/2022 at XXXXXXXX XXXX and a person with a deep voice answered. I asked who he was and he answer " you called me ''. I told him I was looking for XXXX XXXX  to rent an RV. He told me to contact him on XXXX. I asked him if he was XXXX. He said yes. It appears that these scammers have several RV listed on the RVshare website with the same instructions to get in contact with them by XXXX or Text before booking. ( Same # XXXX and use the name XXXX XXXX XXXX I have copies of the emails, the XXXX chats, the agreement, bank receipts that I can forward to you. I have been in touch with RVshare and they said there was nothing they could do. I have been in touch with my bank which is Chase and they have informed me that there is nothing they can do and the matter is considered resolved. Thank you.

Company response to consumer: Closed with explanation