vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Conduent Incorporated
State: PA

Complaint narrative:
Two purchases used with my eppicard child support were declined between XXXX and XXXX 2021. I logged into my account and it said that my account was suspended. I called customer service and have been passed between departments, being put on hold for hours. I would like a new card and also my balance statement to see where there was fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Dear CFPB, I have experienced a pattern of Credit Inquiries from the following corporations. These inquiries are having an adverse effect on my credit score. Is there a legal, logical reason these companies can make multiple inquiries? How do I make them stop? I can not freeze my credit right now and I have submitted a request for a credit report from all three bureaus. I tried very very hard to access XXXX. I do not know whether it is me, my computer, the ISP  ( XXXX XXXX ), but it is impossible to contact anyone there. I have included the dates they pull credit. Most are once per month, some are twice! 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Comenity XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX My score was in the 800s a few years ago. Is it because I am XXXX, middle aged, retired or is it in retaliation for political affiliation? This is clearly an all-out attack by special interest and the government. My cell phone has been ported out, my identity stolen in the past and now I am experiencing multiple technical and financial attacks. Last week, my bank account was breached and money was stolen by XXXX. I sent the bank the email headers and they are investigating it. XXXX, XXXX and XXXX have flooded my emails with bugs, viruses, phishing. My ISP and XXXX are manipulating my websites and blocking them saying I have DNS errors. I have documented all of these events dating back to XXXX. Can you help? Can you point me in the right legal direction? I can not stand much more. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am in the process of purchasing a house. The loan officer advised there was a problem with the Equifax account. I started researching it and found that XXXX XXXX XXXX, reported me as deceased in XXXX. Instead of researching the report further, they apparently just stopped issuing a credit report and credit score for me. 

I initially contacted Equifax on XX/XX/XXXX and after a day or two, I was told the file was corrected. I have called them 4 times and still do not have a credit score or published report. It is seriously impacting the approval process for my home. I can not get them to release my credit report or credit score. I need help now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: CarMax, Inc.
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
On or about XX/XX/2021 I received a billing statement from US BANK alleging I owe a debt in the amount of {$63000.00}. On or about XXXX XXXX I responded to US BANKs billing statement by sending out 5 items. 1. A formal letter requesting recession pursuant to TILA 15 USC XXXX and requesting my privacy be respected by removing my personal information from their company and all affiliates pursuant to FDCPA 15 USC XXXX 2. A NOTICE DEMAND TO RESCIND AND CANCEL AUTO LOAN pursuant to TILA 15 USC XXXX. 3. An AFFIDAVIT OF TRUTH asserting certain factual allegations. 4. A DEBT VALIDATION LETTER with an attached CEASE AND DESIST LETTER asking US BANK to cease and desist all communications with me until the debt was validated pursuant to all information requested and outlined in the letters. 5. A carbon copy of what I sent to XXXX XXXX as a notice to them of the status of this alleged loan. On or about XX/XX/2021. I received a response letter dated XX/XX/2021. The letter addressed the cease and desist issue but however failed to : 1. rescind the auto loan pursuant to the procedure outlined in the TILA 15 USC XXXX. 2. Validate the debt pursuant to my request in the debt validation letter and the FDCPA 15 USC XXXX. 3. Rebut any factual allegations alleged in my affidavit of truth. On or about XX/XX/XXXX I received a loan statement dated XX/XX/XXXX in violation of the cease and desist. On or aboutXX/XX/XXXX I sent out 3 items to US BANK 1. A NOTICE OF DEFAULT OPPORTUNITY TO CURE giving US BANK one more opportunity to respond accordingly to all previous sent requests and affidavit of truth. 2. A new AFFIDAVIT OF TRUTH listing all TILA and FDCPA violations that US BANK are liable for. 3. A invoice requesting payment for all violations listed in the affidavit of truth.

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 2021-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient is providing deceptive information to customers regarding allocation of payments. When scheduling payments, Navient allows customers to select how they would like their payment to be allocated. I noticed in XX/XX/2021 that a payment I had specified be allocated to the loan ( s ) with the highest interest rate was seemingly allocated randomly across my various student loans rather than being allocated to the loan with the highest contractual interest rate. I reached out to Navient who indicated that, due to the provision of the CARES Act which reduced the interest rate for all student loans to 0 % for a period of time, payments which customers asked to be allocated to the loan with the highest interest were instead being allocated to the loan with the highest monthly payment amount. A copy of the correspondence in which they provided this information is attached. There is absolutely no indication on the website that this is the case. I have made payments throughout the period during which mandatory payments were suspended in order to get ahead on paying off my student loans and I now suspect that all payments I have made over the past 12 months have been misallocated, despite my explicit instructions to apply to the loan with the highest interest rate. I am confident Im not the only customer who was under the impression that payments would continue to be allocated to the loans with the highest pre-CARES Act interest rate during this forbearance period. 

Whats more, I believe the statement that payments are allocated to the loan with the highest payment amount is also misleading given that all loans currently show a monthly payment amount of {$0.00} due to the suspension of payments provided by the CARES Act. If this was the case, by their own logic any payment should be split evenly between my various loans. Instead, when I schedule a payment online and specify that it be allocated to the loan with the highest interest rate, I can see through the allocation preview that the payment is in fact being allocated to the loans with the lowest interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I called Bank of America XX/XX/2021 asking how much I owed for the 5 months " deferment '' that I was approved for only to find out it was a forbearance that required the entire balance to be paid at the end of the agreement term. I submitted a complaint previously in reference to how the repayment assistance program was a complete XXXX and was ultimately unable to work out any arrangements with the company. So, in XX/XX/2021, I called to get the total amount owed so I could repay and was advised I had a sum of money sitting in an unpaid balance account. I submitted a request to have the funds applied to the principal mortgage for the intended two months I called and paid it for, and two weeks later I was advised my request had been denied. I have had several conversations with multiple BOA representatives and each of them have a different explanation as to how that has happened and what the resolution is but none of them have been successful with assisting me in resolving my issue. 

XXXX XXXX, I was advised to pay {$6100.00} and the {$2000.00} that was sitting in the unapplied funds account would be corrected as well. I called XX/XX/2021 and the account is still saying I owe over {$9000.00} of payments which is not correct. The Service Request # is : XXXX and I submitted a request for that on XXXX XXXX and it has still not been resolved. I called today to speak with the person who took the payment with confirmation number : XXXX ( SS ) and have been transferred to multiple people still resulting in no one being able to assist me with getting these funds applied to my principal mortgage payments. The payment made on XX/XX/XXXX or XXXX in the system should have brought my account to a {$0.00} balance yet Bank of America HAS NOT updated my account status and it has been several months since I stopped working on a repayment plan with the company at their dismissal. 

As a Customer I have found dealing with Bank of America extremely frustrating and counterproductive. I feel that I have experienced heightened stress and undue emotional distress because my mortgage is on the line and no one seems to be able to give the same answer more than once. I have asked that my Account Manager call me, no one has. I have asked that someone, anyone who can assist with this level of an issue call me and set the account straight especially now that I have made the required payment and all I get is one transferred call after the next when calling BOA.

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 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I went on XXXX to check my credit report because I was declined by XXXX when I tried to open my very first credit account. I find that someone used my information to open a Bank of America credit card in XX/XX/XXXX and failed to pay off credit card debt. Hence, Bank of America closed the unauthorized account and is charging me {$940.00}. I notified other credit bureaus and Bank of America, and filed a police 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 2021-03-04 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: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
The report lists a residence of : XXXX XXXX XXXX, XXXX, FL XXXX. I never have lived there. 

It lists XXXX XXXX XXXX and his address, XXXX XXXX XXXX, XXXX, TX XXXX as me and my address. He is my brother ; his information should not show up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Synovus Bank
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
The following company by the name of Speedycash.com/ ADA Astra recovery is reporting on all 3 credit bureaus and I have no knowledge of this account. I have attempted to contact them several times to address this but each attempt has been unsuccessful. They have refused to return any of my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XXXX XXXX chime closed my account. I emailed them they told me to contact XXXX XXXX. So, i called them they send me back to chime. Chime said i validated one of there policy nad they closed my account and denied me my funds. I called the VA to get me a new check sent they said they can't. I have bills were due on the first of XXXX. Bills are truck payment, car insurance, cell phone bill, private student loan, internet bill. I can't order part for my truck i don't have money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
I have disputed an invalid debt that appeared on my credit report from XXXX XXXX XXXX that was opened as a collection on XX/XX/XXXX. The debt was through Enhanced Recovery account # XXXX for {$2100.00}, XX/XX/XXXX. This item was rightfully removed from my credit profile. This debt then reappeared XX/XX/XXXX was removed, and again through XXXX XXXX with a different account # XXXX, and amount {$2100.00} on XX/XX/XXXX. I was able to remove this item again, as it was obviously fraud by both agencies. This item then reappeared on XX/XX/XXXX, from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Please see the attached letter with a detail of the chronology events in this matter. 

I have removed all of my personal information, but left the details of this matter. 

This is against PNC Bank National Association. They have not applied the payments received on my auto loan as instructed, nor do they try to resolve the issue. I became aware of this issue on Wednesday, XX/XX/2021 and it remains an issue. 

Furthermore, I have spoke to several individuals with PNC and they all have a different excuse as to why this was not handled properly. 

I can send you the exhibits which are proof of how this loan has been handled. These will need to be confidential since they have names and account numbers on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I'm trying to close my Bank of America account. The only way they offer to contact them is to call. I threw away my debit card because I was planning on closing the account. The representative told me they can not speak with me without the information on my debit card. I'm simply trying to close my account but can not speak with anyone.

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 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: UT

Complaint narrative:
Midwest fidelity XXXX has beeneaving messages about aoan they claim I took out in 2015 for {$1500.00} they can be reached at accounts @ midwestfidelity. I contacted them and I asked for information. They provided me a address phone number and the last four of my social security. The address and phone number were not mine however the last 4 of my SS was. They told me to contact this site and file a complaint. I have never applied for a loan at XXXX XXXXXXXX, no XXXX XXXX XXXX in my life. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I submitted a dispute letter to all 3 bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/2021 my credit report was updated to reflect that this account will remain on my credit report. 

According to XXXX. XXXX. XXXX. XXXX XXXX et. seq. this account has passed the four years Statutes of Limitations to collect such debt. 

The account information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection amount : {$13000.00} As of XX/XX/2021 I never received written correspondence informing me of the dispute results.

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