vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: IA

Complaint narrative:
Contacted via mail to refinance mortgage by Village Capitol. Assured the only qualification was on time payments no credit check. Approved for refinance and later had credit pulled by Village Capitol. Now, Village Capitol is deliberate in holding payment to charge late fees and threats of reporting negatively to credit report. All bills are paid via bill pay with not one complaint of late payment from anyone until Village Capitol. XXXX personally intervened to verify mailing address with Village Capitol and account information. XXXX reimbursed me for the late fee charged by Village Capitol. If Village Capitol deliberately withheld payment to receive late fees from clients, this could easily amount to hundreds of thousands of dollars in dishonest profit. I was with XXXX Mortgage before Village Capitol ; all payments were on-time via bill pay. Wished I never trusted Village Capitol.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/2021 I transferred a balance from BBVA/PNC credit card to my XXXX  XXXX credit card for a better APR. I called XXXX  XXXX and they confirmed the balance was transferred XXXX XXXX. BBVA/PNC continued to show the balance as over {$6000.00}. I called and spoke to several different representatives and they said no balance transfer had occurred and that I should make the payment, I did not. Both credit cards showed this balance and due to the fact that BBVA was transitioning over to PNC Bank I waited for them to update the information. I began receiving bill collection calls but BBVA/PNC had already told me that during this transition there would be no hit to my credit score. I finally spoke to an escalation representative for PNC on XXXX XXXX who told me I needed to prove this balance transfer with the canceled check from XXXX  XXXX, this was the first time a rep requested this. I checked with XXXX XXXX and BBVA/PNC Bank had only just returned the check on XXXX XXXX, they held onto it for XXXX months. Now my credit score has gone crazy it had dropped XXXX points but now it looks like its dropped well over XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: MI

Complaint narrative:
Equifax continues to report the invalid/inaccurate data supplied by XXXX for XXXX despite copious evidence showing the data is invalid because : bills were not generated, forbearance and deferment periods did not cease payemnts, revised payment schedules were not provided, CO occurred day before number of days considered valid for CO, and CO imporoper due to billing errors and inconsistencies. 

Equifax continues to turn-around their " investigations '' in record time relying upon XXXX submissions from data-furnishers and is not conducting an investigation using the information supplied by consumers, but instead is relying the automatic responses from the reporting systems of the data-furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: OK

Complaint narrative:
Incorrect address and information listed on my consumer 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 explanation
Consumer complaint received 2021-12-02 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: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXBalance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I had a car loan on a XXXX XXXX XXXX XXXX with TD Auto Finance LLC ( XXXX XXXX XXXX, XXXX, ME XXXX ). On or about XX/XX/XXXX I was in a motor vehicle accident and the XXXX was totalled by XXXX XXXX XXXX XXXX on XX/XX/XXXX. On or about XX/XX/XXXX a check for the balance of the loan ( {$21000.00} ) was issued to the lienholder TD Auto Finance LLC. See attached copy of check. This check was deposited on XX/XX/XXXX by TD Auto Finance LLC/TD Bank XXXX XXXX The loan was paid in full. 

However, in XXXX of XXXX I received notice from TD Bank that I was in default of my already paid off/closed car loan. This continued through XXXX of XXXX. See attached default notice dated XX/XX/XXXX. TD Bank is claiming that I still owe them monthly payments on the car loan despite the loan being paid off almost four months ago. My credit score has dropped from XXXX to XXXX. See attached Credit Karma Screenshots. This has resulted in much higher interest rates and APRs. This is especially important to me because I have to replace my totalled vehicle and I have to pay more than I would have when buying a new vehicle because my credit score is lower.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My credit card account was closed by the issuer. I still owed a balance but had my account on autopay minimum. After 8 or so months of the account being closed and auto payments being made, I paid the balance in full. 

During the next statement date interest had accrued and was added to my balance. The issuer had shut off auto payments I am assuming because the balance was {$0.00}, but did not put autopay back on when the interest was added to my account. 

I believed autopay was on and never got any statements paper or emailed so i never made another payment. My account was finally reported 30 days late. I paid in full what i owed opened a case with them to resolve this issue but they declined to change the reporting. 

Please help this is frustrating because i really don't think i deserve a 30day late for this issue. 

thank you very much XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: GFS II, LLC
State: IL

Complaint narrative:
I became unemployed on XX/XX/2021. In XXXX, I fell behind in paying my car payment. I spoke to Gateway Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, and they mentioned they would work with me as long as I emailed them my confirmation letters from the Illinois Department of Employment Security ( IDES ). In XXXX, I was able to make a one-time payment to cover XXXX month. I continued to email them my confirmation letters from IDES that confirmed my certification biweekly. I also emailed them proof that I received a job. I sent them a screen capture of my orientation date and time. I was told that I may qualify for an extension considering my circumstances. A few days later I received a call mentioning that I need to make a payment right away or my car would be repossessed. XXXX days later, my car was repossessed. The date was XX/XX/2021 just XXXX days before XXXX and XXXX days before I would start my new job. 

After reading customer complaints on the XXXX XXXX XXXX it seems that this company is notorious for misleading its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The following inquiries below are unauthorized and fraud. I have called Equifax and they were able to remove a few but the ones listed below they did not comply with my request to remove these inquiries I did NOT authorized. It was not me. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have been with suntrust Bank since XXXX years old. I have spoken as well as met with the branch manager on numerous occasions. I am getting charged excessive fees. This year to date I have {$1500.00} of overdraft fees and {$820.00} of returned item fees. I went through an horrific divorce and medical issues. It appears instead of personal banking a logarithmic formula decides what is paid. I have an automatic check deposit on the XXXX of every month which would cover any fees. The bank knows this but they still will not work with me. This is the Suntrust XXXX XXXX XXXX in XXXX Tn. I was unable to get an Rx I needed as well as pay for an eye exam. The consumer meaning me is a victim of usury.

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 2021-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: CO

Complaint narrative:
This number keeps calling me about my prequalified status to change the qualifications for forgiveness or loan discharge. I have not made consistent payments for the last XXXX years so I do believe this is a scam. 

XX/XX/XXXX XXXX PM XXXX XXXX XXXX XXXX XXXX, left message for me to return call at XXXX XX/XX/XXXX XXXX AM XXXX XXXX XXXX left message for me to return call at XXXX XX/XX/XXXX XXXX PM XXXX XXXX XXXX left message for me to return call at XXXX XX/XX/XXXX XXXX PM XXXX XXXX XXXX left message for me to return call at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: OH

Complaint narrative:
ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was 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 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Team- I have been a loyal client of BB & T for over XXXX plus years and on XX/XX/XXXX, I applied for the new TRUIST XXXX XXXX XXXX  Credit Card with an application ID XXXX. 

Received a letter that the application was received on XX/XX/XXXX and that I would have an answer in ten days. 

On XX/XX/XXXX I received a letter from TRUIST that a CREDIT SCORE from XXXX could not be obtained. I contacted XXXX and there is nothing wrong with my credit report. 

I had this EXACT same problem with BB & T on XX/XX/XXXX whereby they had to contact XXXX. They fixed the problem, obtained the score and approved the credit card. Only after I had to write to the President XXXX XXXX for assistance. 

This is the SAME letter that I received from BB & T in XXXX. I guess they are using the same system after the merger with SunTrust Bank. 

On XX/XX/XXXX after over XXXX hours on hold, I finally spoke with a representative in the credit card department that was clueless. He did not understand the problem and I asked to have my call elevated to a supervisor named XXXX who said she understood the problem was a " feed '' from XXXX and she would elevate it to the XXXX Offices for resolution. 

On XX/XX/XXXX, I was asked to fill out a survey on my recent call to the credit card department and I gave them the worst possible score and wrote a complaint that no one could help me. 

On XXXX and XX/XX/XXXX I received a calls from XXXX from SUNTRUST BANK who said she was following up on my poor service. She called twice and could not help me. She said that she would elevate to Executive Offices to help me. 

NO ONE HAS REACHED OUT TO ME. 

Today, I tried to call Credit Card services and the wait time was well over an hour so I tried the " chat function '' on the website. IT Doesn't WORK. It tells you to call in for help? What is the purpose of the chat function? Try it. 

Bottom line. I would like to have my application reconsidered and approved for the new TRUIST XXXX XXXX XXXX Credit Card. 

Can someone please help me? I have talked to 5 different people and NO ONE SEEMS to understand the problem. 

XXXX XXXX phone : XXXX e-mail : 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 non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I received a letter from my bank dated XX/XX/2021 that starting XX/XX/XXXX I need to send payments to SPS [ Select portfolio Servicing inc ]. 
I did send XXXX payment but SPS applied it to XXXX saying I should have send them payments starting XX/XX/XXXX and not XX/XX/XXXX as letter said. 
I called SPS and XXXX XXXX bank several times trying to resolve this issue with no luck until today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting an item from XXXX that should have been legally removed after 7 years. Delinquency date is XX/XX/XXXX. Every time I dispute they recertify the debt. Please see attachment from Experian. They don't even list accurate information just says 180 days past due as of XX/XX/XXXX. This debt has been past due since XX/XX/XXXX. XXXX and XXXX have removed this item from my credit reports.

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 2021-12-02 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: AL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
on XX/XX/21 I bought a gift card from Kohl for {$100.00}, and then I bought one for {$400.00} on XXXX received a letter from Kohls datedXXXX asking me to confirm that I made these purchases, which I did.Then for some reason the cards were canceled and the {$100.00} and {$400.00}. charge is still on my Kohls credit card.I tried tocorrect this at a Kohls store on XX/XX/21 and was told that the charges would be removed in a week. It has been XXXX weeks and that has not happened I have tried numerous times to correct this by phone and have gotten no placeOn XX/XX/21 wrote a letter to the corporate office asking for help but they choose not to reply.I have never ever had so much trouble with any company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase credit card XXXX DE XXXX On XXXX someone has used my card at XXXX XXXX XXXX XXXX XXXX Ohio XXXX charging me XXXX while I was at XXXX XXXX library attending food drive organized by XXXX XXXX XXXX XXXX to pick up free produce. 
I Disputed first time on XXXX full credit was given for $ XXXX then i did not hear from them. So I thought matter is over. 
Again the charges appeared in my XXXX statement XXXX XXXX I disputed again I went to XXXX and received the receipt.Kind of food was ordered I do not eat that kind of food Dog food I do not have a dog at home chicken, fish, turkey I am vegetarian. I asked chase freedom card co. to give me credit I went to branch with XXXX receipt person said you they are working with XXXX, call customer service they say you just wait they are investigating. No one gives correct answer. I talked to my son who lives in California and he has business account with chase he calls manager for help XXXX arranges 3way call with dispute team i talked to lady over phone she said. credit was given that was temporary which never knew until XXXXthen she says card was used physicial by using chip I never knew that either. 
some criminals must have created duplicate card and used it, While I was waiting in line for my turn to come topickup free produce and card was with me in my wallet in my car If I knew credit was given was temporary I could have gone to XXXX to find out what is going on. manager could have shown me video to see who is at the check out if not me but I went in XX/XX/XXXX video was not available after 60 days they delete itXXXX AT Library I was attending food drive volunteer were taking everybody 's address, name driver 's license recording in her XXXX  was there between XXXX and XXXX I attended this food drive every Tuesday of the month. I could ask volunteer to varify my presence at library onXXXX in XXXX but XXXX was too late. program ended on XXXX XXXX XXXX XXXX XXXX was to late to verify any info. from XXXX or library.So I am asking chase to credit my account for $ XXXXchase to give me credit for {$140.00} I did not purchasepurchase that food

Company response to consumer: Closed with explanation