vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Luckmore Finance
State: MS

Complaint narrative:
XX/XX/2021, I mailed out a Affidaivt of Truth ( AOT ) and a Cease-and-Desist Collection Activities to XXXX XXXX XXXX and Luckmores register agent XXXX XXXX. Inside of the AOT, I pointed out how Luckmore has violated several of my federally protected consumer rights. Throughout this entire account period Luckmore as use unfair practices in order to collect on the debt. Luckmore has threaten to file sue as well as garnish my wages, with no intentions on doing so, which is a clear violation of 15 USC 1692e ( 4 ) and 15 USC 1692e ( 5 ). Pursaunt to 12 CFR 1041.7 Luckmore has charged my debit card without my permission on several different occasions which has caused my account to become negative due to insufficient funds available. I have spoken to the CEO regarding this matter on XX/XX/2021 ( on a recorded line of my own ), and after expressing my concerns with him about the unfair and abusive practices, Luckmore placed a hard inquire on my credit report not even one minute after speaking with XXXX. Luckmore uses fake phone numbers to call me in order for me to pick the phone. XXXX has called me from a ( XXXX ) area code number which is the same code where I reside. Luckmore Finance is located in XXXX and XXXX XXXX Louisiana. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Luckmore has placed several late payments on to my credit report which is a clear violation pursuant to 15 USC 1666b. Also, I NEVER gave Luckmore any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b.

Luckmore has cause XXXX XXXX  and XXXX due to the abusive and unfair practices. When I see an email or phone call from Luckmore, I so afraid that theyll add additional adverse actions to my credit report which is causing me to NOT get approve for my home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
my name is XXXX XXXX my loan number is XXXX i apply for refinance at XXXX XXXX, freedom mortgage give a false statement about my loan that XXXX is late with payment 30 days 60 days and 90 days and XXXX XXXX cancel my refinance i pay {$490.00} for appraisal fee i ask for my appraisal fee back they dont want to give my appraisal fee back i want freedom mortgage give my appraisal fee back because freedom mortgage give false statement to XXXX XXXX i give all the paper work to freedom mortgage that they need

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 2021-12-16 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I was the co-signer on my son 's new car purchase XX/XX/XXXX leased through Toyota Financial Services ( TFS ). The Toyota lease was setup for automatic payments starting late XX/XX/XXXX. From XXXX to XX/XX/XXXX, without our knowledge, Toyota Financial Services withdrew payments for the lease from another unknown person 's account. My son was in the military during this period, and he noticed in XX/XX/XXXX there were no Toyota Lease payments being withdrawn from his personal checking account. We logged into his Toyota Financial Services online account and noticed that the checking account number listed in the TFS account was off by one number, and payments were being made from an unknown person 's account. We immediately updated his TFS online account to reflect his correct checking account number and in XX/XX/XXXX and forward all payments started being withdrawn from his checking account. In XX/XX/XXXX, we also immediately contacted Toyota Financial Services of this error and it took TFS 3 months to investigate. On XX/XX/XXXX, Toyota advised us of the payment due and that they had reversed all the previous erroneous payments to unknown account. TFS did not disclose to us how the account number error occurred or how they were able to withdraw my son 's Toyota lease payments from another person 's account. We made one lump sum payment on XX/XX/XXXX, for the previous erroneous payments. TFS representative advised us that the previous erroneous payments would effect our credit reports. A few months later TFS reported 6 late payments from XX/XX/XXXX to XX/XX/XXXX. Payments were never late, and due to TFS payment processing error, payment were withdrawn from inaccurate account. We have TFS statements showing all payments being made timely, and one lump payment being made XX/XX/XXXX for previous TFS payment error. The TFS lease was paid in full in XX/XX/XXXX and account is now closed with late payments still be reported. We are kindly requesting that Toyota Financial Services remove all late payments from the account. We have TFS documents to support our claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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: NV

Complaint narrative:
In XX/XX/2021, I switched my cellular carrier to XXXX. At that time, they created duplicate accounts due to their own system errors. I was unaware of this duplicate account until later. Several attempts to correct it were unsuccessful over many months and XXXX reported the account to the credit agencies. XXXX has since admitted their mistake and pledged ( via written letter to me ) on XX/XX/2021 that the account would be completely deleted from all credit agencies. In addition, I have submitted multiple disputes with the credit agencies. Those disputes were closed with the result saying that the account was verified to be accurate. As of today ( XX/XX/2021 ), XXXX and Experian both still show the mistaken account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: CITIBANK, N.A.
State: PR

Complaint narrative:
XXXX XXXX XXXX. the card has a promotion of a free deposited first suitcase ; the promotion is fraudulent because they charged me for my first bag. XXXX $ dollars.

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 2021-12-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I missed a single payment, during the pandemic in XXXX. I made this payment back, their incomplete computer system did not mark it as much, and negatively affected my credit score after marking my account as delinquent. This happened again, in XXXX. I missed a single payment, and since, their computer system has marked my account with an excessive amount of passed due days, more than what is accurate. Their system also did not recognize payments that I made, even with receipts of the payment. I have spoken to multiple supervisors about this, with no resolution. 

I had to submit a support ticket, and call in myself, as a customer, to check on the status of their system bug. I am still 'in delinquency ' and the amount they are trying to collect is Double the real amount that I owe. I have no idea when this problem will be fixed, or if the XXXX points i lost on my Credit will come back any time soon. I can't refinance this loan with a worse score now. Awful, I feel trapped with a company that has nothing but bugs in their system. Not in my control, not my fault, shouldn't get hurt because of it. 

They hang up on me when I call, I have to call multiple times. I have never had such a horrible time with a borrower. They have negatively affected my Credit, over small issues that are not within my control. They can not operate as a business if their systems in place are broken. 

They have a XXXX XXXX with the XXXX  Put them out of business. These loans were previously with XXXX XXXX, and we all saw how they dropped Student Loans after so much bad press. This company is worse than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: TX

Complaint narrative:
Hello so XX/XX/2021 on I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.

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 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello so XX/XX/2021 on I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2021-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have requested multiple times the unacquires be removed of my credit profile. This issue has limited my ability to seek employment, obtain credit, and I am not able to get loan and credit that qualifies to my personals because of this issue

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 2021-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
My payment is set on a reoccurring payment draft for the XXXX. I contacted AquaFinance on XX/XX/16 and asked to reschedule the draft and was advised the draft could not be rescheduled or changed. This seems to be a direct violation the Electronic Funds Transfer Act. The business refused to make adjustments to a pending payment that has not been submitted and was contacted prior to the payments schedule date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: NC

Complaint narrative:
I sent certified mail, return receipt to XXXX, EQUIFAX and XXXX XXXX requesting investigation on several items and that they send me copies of all information related to each item to include documents with my signature on them.All I received was a notice on the website for each one saying they verified each one as accurate.I did not receive the requested documents as proof that I owed any item and therefore they failed to complete my request and send me they method of gathering information, the requested documents with my signature on them and any documents they had on file to include the name, address and phone number of each person they contacted to verify the information was correct as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
i had call them back in XXXX when i found out i was on credit report and i told them it was me than i ask where and how didn't want to get them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: VA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: VA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX i went to my local Bank of America branch needing to access my Safety Deposit Box. I arrived at the branch at XXXX. The hours had been reduced to XXXX earlier in the pandemic, in XXXX. 
I found the bank closed, locked, and with signs posted ( I took photos ) both describing the COVID protocols in place and that the branch is " Temporarily Closed '' with information to contact BofA for access to Safety Deposit Boxes. I both emailed the contact information and I waited online for 1 hour, 40 minutes to speak with someone ( after my first call was auto disconnected by their system after 25 minutes. ) I NEVER received notice of the closing of my bank, restricting access to my personal belongings. I have an urgent need to collect one of the items in my box and I still have NOT heard from BofA. 

BofA could and should have notified me. I log into the mobile app daily, the web portal at least every other day, and they have my email address linked to my user ID, linked to my mobile and home phones, linked to my accounts. They have multiple ways to reach me. I want my property! This isn't rocket science.

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 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Visa card prints entire account number rather than just the last 4 or 5 digits on bills sent through the mail in envelopes with cellophane windows. Anybody picking up a dropped envelope can get the account and use it. ( Thieves know how to break into systems to get the security code and expiration date. ) This is therefore a needed protection. Almost every financial company except Chase has this type of protection. I'm told it's not a law, but I think it needs to be, considering that ID theft is a multi billion dollar industry!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
ON XX/XX/21 THERE WERE COLLECTION ACCOUNT ADDED & DEROGATORY MARK ON MY CREDIT REPORT PER TRANSUNION UPON FURTHER RESEARCH THE ACCOUNT WAS TRANSFERRED AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT, DEBTOR CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO FORM OF WRITTEN COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ALLEGED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SNED A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA TRANSUNION HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

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 2021-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I received a collection on my credit report from XXXX XXXX. I never received a bill from the company so this was quite a surprise. I tried to call the public number available on XXXX ( XXXX ) and it is a permanently busy number, possibly even disconnected. I logged into my XXXX XXXX of Texas portal after receiving the notice to try and find any claims. I was able to find a claim with their name on it and a service date of XX/XX/2021. It looks like the insurance company paid {$130.00}. The claim also said I " may owe '' {$59.00}. The claim also said " The amount billed is more than what is allowed for this service. Your provider should not bill you for any balance over what is allowed. '' Again, since I never received a bill I had no idea I owed anything. This debt was reported to Credit Management LP in XXXX and now I have a collection on my credit report for {$130.00}. That is more than double what my insurance says I may owe. I had XXXX XXXX earlier this year and went WAY over my out-of-pocket expense. I was surprised to learn I owed anything for this at all for this follow-up imaging. After searching I was able to find a customer service email address. I initiated a conversation on XX/XX/2021 and still have no resolution to this. I am able to provide a copy of the email string and insurance claim if necessary. XXXX is FILLED with customers who have had very similar experiences as I have with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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: IL

Complaint narrative:
I submitted a dispute with Experian for the company XXXX. They recieved the dispute XX/XX/2021 Report Number XXXX. How is it POSSIBLE to complete an investigation on XX/XX/2021 when the other reporting agencies are still investigating? Experian 's website says : Investigations take 30 days. Per the FCRA investigations are 30 days as well! I need to see the paperwork from the investgation and how Experian validated this account which is reporting inaccuractly on XXXX and XXXX as well.

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 2021-12-16 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: FL

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 2021-12-16 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: FL

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 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