vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CreditNinja Lending, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I took out a loan for {$2000.00} with the company CreditNinja. I had been a customer for several months prior and my payment history was impeccable. Therefore, when I paid a loan off they would email me and instantly approve me for another loan. At the time of this loan contract I had moved into the state of XXXX I was a prior resident of XXXX XXXX. Unbeknownst to me Credit Ninja is not licensed to conduct business in Indiana. I was never asked to confirm any of my personal information and this company still has my old address in XXXX. In XX/XX/XXXX, I lost my job and for an entire year tried to keep up with this loan and paid a total of about {$4200.00}, with the last payment of {$75.00} paid on XX/XX/XXXX. When I could not keep up with the payments any longer, I advised them I could not continue to pay and they turned me over to a collection agency in XX/XX/XXXX, to a company called XXXX XXXX  ( XXXX ) based in XXXX, NV. I tried to work with this company for a least 6 months and told them I would like to try to settle for less than the balance in full and they refused me every time. The most recent refusal was today, I spoke with a manager named " XXXX '' on XX/XX/XXXX, he told me that they would settle for 50 % of {$5100.00}, which is {$2500.00}. I offered {$1000.00} to settle, which is all I can pay and that would put me in a bind, it was refused. As of XXXX, I have a collection which has been reported on my XXXX credit report from Credit ninja as the original lender and the agency is named as a XXXX XXXX XXXX XXXX, based in XXXX NV, which XXXX XXXX has advised me that they work in conjunction with, as XXXX is the client of XXXX XXXX 

I would like this negative mark removed from my credit report, which was put there by XXXX XXXX XXXX ( as stated by " XXXX '' the rep at XXXX XXXX ). I also want CreditNinja investigated for allowing me to lend with them as I was not in the state of XXXX when the loan was taken out and I have an XXXX ID ( attached ) issued in XXXX, as well as employment records to prove it because I was drawing unemployment in XXXX due to job loss during the time I was paying on this loan, The credit agency says that I still owe a total of {$5100.00} which is listed on my credit report, I can not afford to pay that amount, as I am a single parent supporting XXXX  daughters. I would like this balance cancelled and removed from 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 monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
XX/XX/21 Previously applied and approved for vehicle title loan. Signed all company documents and was sent away with out money for loan. 

Subsequently, told by One Main Financial that I needed an updated deed to reflect XXXX XXXX as lien holder. I did so and have attached the correct lien. 

Later told by XXXX and XXXX that they wouldn't deal with me as I filed a complaint with the CFCB.. This feels discriminatory and retaliatory in nature. I qualified and able but they now refuse service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Hi. I ordered a XXXX electric toothbrush on XX/XX/XXXX for XXXX. I received it XX/XX/XXXX. It wouldnt turn on and was broke. I called XXXX XXXX XXXX customer service number and they told me due to Covid they are not taking returns or Credits. I disputed this with my Goldman Sachs card. Ive since come to find they have the worst customer service in the business and dont care if you receive something that doesnt work. I have now disputed this 3 times and they keep coming back showing me proof that I received the tooth brush. I did receive it and I keep telling them that. I dont understand how I can be stuck with this product that is broke.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Company has reported inaccurate unauthorized information to report and I am demanding this account be deleted immediately. The account is negligently and inaccurately reporting failing to comply to 15 USC 1681 for Misleading False Reporting. 

XXXX XXXX XXXX Account Number : XXXXxxxx Account Type - Detail : Child support Date Opened : XXXX/XXXX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Apelles, LLC
State: GA

Complaint narrative:
I have a letter dated XXXX with a balance of {$5100.00} from Apelles- a collection company. 

When I spoke with them in XXXX of XXXX, speaking from the letter they'd sent to me, we spoke of a {$5100.00} balance due ( see attachment ). 

I agreed to pay {$50.00} dollar a week, which I have done, until the balance is {$0.00}. 

Today, XXXX, when I called to discuss a settlement, I was informed that my balance was {$3700.00} because on their end my starting balance was {$6100.00}. I never received a letter stating any balance, except the {$5100.00} balance. 

I have paid {$3000.00}, thus far. The balance due should be XXXX, not XXXX, which I was never informed about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Today I called experian in regards to a dispute that was open since XXXX. 
When speaking to an agent they said that I had to sent in a file a XXXX report in which i sent them already and after calling to verify they said it would take 30 days to investigate. After 30 days i call and they tell me i sent in the wrong form, in which i already verified with an agent after they recieved it prior. Trying to fix this issue i ask again which form do i need to move forward the agent advised me to complete the identity theft report form. In which i completed on the phone with her and uploaded online. I ask the agent to take a look at it and she verified it was the correct form. After another 30 days I called to check the status an agent said they couldn't move forward because i provided a false report form, in which i completed with an agent who also seen it as i uploaded it. After waiting on hold 30 minutes she ultimately said the form was correct and call back in 3 -5 days. After 7 days i called spoke to an agent and they told me my dispute results and the items came back as verified but they failed to investigate.A dispute usually takes 30 days however it was over the 30 days and the items that were disputed are still on my report. Once the dispute was over the items were still on there & Even after talking to several representatives about this issue they have yet to remove one rep hung up on my when i requested how these items were being verified they failed to tell me and said " they aren't able to disclose '' but how are you verifying this information is accurate on my report. The agent also said himself we dont investigate disputes only if the creditor verify it it remains. They are violating my rights as a consumer 15 usc code 16811i.

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 2021-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I wanted to bring your attention to an issue with Bank of America ( BOA ) who is taking advantage of small businesses during the pandemic through the PPP loan forgiveness process. 

I am a sole proprietor small business in XXXX who is being required to repay a portion of my PPP loan that was " overfunded '' by Bank of America due to their own oversight and mistakes and then changing their rules between loan origination and the application for forgiveness. 

BOA broke the SBA PPP rules at loan origination and approved a loan amount that exceeded the allowable maximum. On XX/XX/XXXX BOA dispersed their approved loan amount of {$27000.00}. At the time of forgiveness application, BOA fixed their calculation error from XX/XX/XXXX and will now only approve partial of the loan and I must repay the {$6800.00} portion that BOA overfunded even though those funds were used for allowable purposes. 

After talking with BOA many times since XX/XX/XXXX, I was finally told that I would be unable to request full forgiveness as their process does not allow me to actually request a forgiveness amount that is greater than what they have determined to be forgivable nor have they allowed me to submit documentation to prove that all funds were used for allowable forgiveness purposes. In a conversation with XXXX in XXXX, AZ from BOA on XX/XX/XXXX, he said that Bank of America was unable to review information from loan origination because that was in the past and they are now just following SBA rules for forgiveness. He said there was no one at Bank of America that I would be able to talk with to address the BOA mistake at loan origination. 

Bank of America has opted out of the SBA direct forgiveness program and does not have an appeals process in place to allow for additional review of documents or to address their clear and obvious errors on their part during the SBA PPP implementation. I was forced in XXXX to submit a forgiveness application for only {$20000.00} or I would face repaying the entire loan amount. That forgiveness application is currently in review by the SBA. 

In conversations I have had with the Small Business Administration on XX/XX/XXXX it was revealed that Bank of America had actually changed the original loan amount that was sent to the SBA for final approval. The SBA records show that BOA submitted information for final review showing that the loan was for {$20000.00} and Bank of America had granted full forgiveness for the loan, when in fact I still allegedly own them {$6800.00} due to their miscalculation at loan origination. Bank of America falsified information it submitted to the SBA for final review and the SBA has no clue that the loan was not full forgiven.

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 2021-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Received letter advising me that Pay Pal Credit had established account in my name for {$2600.00} pre paid credit - Experience established that account opened by Synchrony Bank on XXXX/XXXX/2021. Syonchrony admitted that their action was unauthorized and a directed all three major reporting agencies to remove account from their 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 2021-12-09 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: LA

Complaint narrative:
I have recognized some fraudulent inquires that's being reported by Equifax that I tried to but Equifax told me that they couldn't not remove these unauthorized inquires because I didn't file a report through the CFPB. 

I'm filing a complaint now and these are the fraudgelant Hard inquires that are not mines and I did not give these companies permission to pull my credit. 

1. XXXX XXXX XXXX/XXXXXXXX 2XXXX XXXX/XXXXXXXX 3. XXXX XXXX XXXX/XXXXXXXX 4. XXXX XXXX/XXXX/XXXX 5. XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXXXXXX 11. XXXX XXXX XXXX XX/XX/XXXX/XXXX 12.XXXX XXXX XX/XX/XXXXXXXX 13. XXXX XX/XX/XXXXXXXX 14. XXXX XXXX XX/XX/XXXX/XXXX 15. XXXX XXXX XX/XX/XXXX/XXXX 16. XXXX XXXX XX/XX/XXXXXXXX 17. XXXX XX/XX/XXXXXXXX 18. XXXX XX/XX/XXXXXXXX 19. XXXX XXXX XX/XX/XXXXXXXX 20. XXXX XXXX XX/XX/XXXXXXXX 21. XXXX XXXX XX/XX/XXXX/XXXX 22. XXXX XX/XX/XXXXXXXX 23. XXXX XX/XX/XXXXXXXX 24. XXXX XXXX XXXX XX/XX/XXXXXXXX 25. XXXX XXXX XXXX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
My loan with Amerihome Mortgage came off forbearance in XX/XX/XXXX. An escrow anaylysis was done in XX/XX/XXXX that will increase my payments by {$220.00} starting in XX/XX/XXXX. I have contacted this servicer numerous times by phone call and email correspondence to spread the outstanding escrow shortage by 60 months as provided in the XXXX XXXX for XXXX XXXX loans. 

I have been unable to get this process done because the lender keeps moving the goal post. At tfirst the XXXX i spoke with said i could just request this over the phone, which i did. but that wasn't enough. Then i got an email that said i needed to send in a " wet signature '' request, which i did. But then again, that wasn't enough because they claim they couldn't open the document i sent it in. I'm not sure what else to do at this time. It seems like this servicer is making XXXX  excuses and running circles around me to get me frustrated and give-in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: STERLING JEWELERS, INC.
State: CT

Complaint narrative:
An account was opened in my name while i was in the Kay 's jewelry store without my knowledge. I explained to the employee that i did not want my credit ran and i did not want a card in my name. This card and the stipulations also seem to change to benefit Kay. The penalty and interest rates seem to increase. Since the card was already on file i made the mistake of making the purchase on the card. I have had difficulty paying the card as they do not make things clear for you to pay. I have had assisted payments that i had to pay for over the phone. I have continuously attempted to contact the corporate office to rectify this practice and to talk to someone about the difficulty of paying. the last payment that i was to make was late and i had {$400.00} in interest tacked on for a card that i never wanted and a dispute that has never been answered. I have continued to pay but i am paying over {$600.00} in payments that have been tacked on as penalties. When you attempted to contact the offices no matter how you try you are disconnected. I am a customer of Kay jewelers and am very disappointed by the unfair practices. I asked for my card account to be closed and I am not sure that this has been done. I spoke with an employee that has stated to me that this is common practice and this happens to a lot of people. The employee also stated that the company will not help me. I was also told that i will probably not be able to get in touch with corporate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: PA

Complaint narrative:
On approx. XXXX/XXXX/21 I was the victim of identity theft, which I promptly discovered. As a result of this identity theft, I had 2 fraudulent " hard '' credit inquiries on my credit reports. I was able to fully resolve this, except for Equifax. Equifax requested very specific documentation to remove the 2 fraudulent " hard '' credit inquiries ( namely : " XXXX XXXX of XXXX... '' & " XXXX XXXX XXXX ... '' ). Equifax wanted a letter from me, copies of ID, and a police report ( please see all of this attached here to this complaint ). I mailed the documentation Equifax requested to them on XXXX/XXXX/21. Today ( XXXX/XXXX/21 ) I checked my Equifax credit report, and the 2 fraudulent " hard '' inquiries are still on my report. I invested hours on the phone trying to figure out why the fraudulent inquiries were still in my report. Equifax acknowledged receipt of the data I provided to them via XXXX on XX/XX/XXXX, but indicated the documentation was deficient in that the police report was not dated. I told Equifax to check the data again, as the police report was dated. Equifax acknowledged the police report was dated, but told me I would have to submit the documentation again. They were very unprofessional. Given that I have supplied ample evidence that the " hard '' credit inquires I am disputing are fraudulent, as precisely requested by Equifax and in accordance with federal law, I would like CFPB to please help me get Equifax to remove the fraudulent " hard '' credit inquiries from my credit report, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NC

Complaint narrative:
on XXXX/XXXX/2021 i called revco solutions to talk about my credit card debt with XXXX. i understand this account was sold to them from XXXX. However, I did not receive anything saying my personal loan debt belonged to this company from XXXX. the lady stated on today XXXX/XXXX/2021 that i have two accounts with them from XXXX. it should only be one, the credit card debt. i do not trust this company sorry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 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: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: TX

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, submitted a dispute to EQUIFAX and they stated that they've " verified '' that the items I disputed are being " reported correctly ''. They have NOT provided me a copy of ANY original documentation that they have on file that is required under Section 609 & 611 ( a ) ( 1 ) ( A ) - ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which CAN NOT be verified. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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