vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
my mom has a account with bank of america and her mortgage is trough them as well, she passed inXXXX of XXXX. I started the process right after that, sat down with a probate lawyer and filed all the papper work etc.my then lawyer told me that i did not need to pay mortgage payments while in probate, altough 7 months later i was told by my second probate lawyer that was not correct. I XXXX i got a letter from BofA stating my moms house would go in to foreclosure XXXX, at that time i contacted BofA they told me regardless of what my lawyer had said i needed to make payments hopefully at least no more than three months behind. i made one payment that month, I had already spent over XXXX dollars on the house during the year in repairs from the previous winter freeze. had i known i never would of let it get so far behind.I then got my probate court date for XX/XX/XXXX, I agin contacted BofA and let them know my court date was 2 days after the date of foreclosure, they said i still needed to make a payment, but that it would not start right away. i told them that i was applying for a new credit card to put the payments on it.i contacted BofA after my probate hearing told them that i was waiting on my paperwork from the court and would get it to them as soon as i got it. on XX/XX/XXXX attempted to make a payment by credit card but was told it had to be made in cash or check. XX/XX/XXXX i went and picked up my paperwork from XXXX courthouse and took it to the XXXX XXXX BofA to turn it in i was then told i had to mail it or fax it toBofA, i did it that night and have the conformation. The next day I took XXXX dollars cash to the XXXX XXXX BofA to pay my back payments, I was told they could not take my payment but to call the customer service number, after 35 min conversation with 3 different depts. they told me my moms house was Now in foreclosure and if i wanted they could send the New price out to me with court fees, lawyer fees and who knows what else.on XX/XX/XXXX i contacted BofA customer service and after getting them to get me to talk with XXXX in foreclosure she was able to tell me the same day i turned my paperwork from the courts to BofA is the the same day they took the foreclosure from inactive to active. i have the money now thanks to a insurance policy my mom had that i had no idea of that i got on XX/XX/XXXX to pay for my moms house, but I beyond OUTRAGED of the way I have been treated by Bank Of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed bankruptcy at about the same time as my girlfriend and a few other people I know. They chose to pay the Extortion fees Experian charges every month. It has been almost 5 years and they all have XXXX or higher scores, while mine remains at XXXX. I have argued with Experian several times this is nothing more than extortion. I have 6 credit cards, all paid ahead of time, never late, and Always Way more than the minimum. My girlfriend has 4 cards, only pays the minimum, and pays on the day they are due. Yet because she pays the Extortion fees Experian charges, her score continues to increase and mine goes up then down for No reason whatsoever! This is like Blacklisting or Blackmailing at its best! How do they get away with this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: PA

Complaint narrative:
Hi there what's going on? It's been several months now but I still haven't got a response from you. I don't go so far as to spend money and sue your organization for not doing your job but I would if I'm forced to. I'm only asking for those negative items to be reinvestigated properly but you seem to ignore the letters. I joined an online forum and they have been advising me to pursue which FCRA laws have been violated but for the last time please do look into my account and remove the errors I listed. FCRA section 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I WAS A VICTIM OF IDENTITY FRAUD MY WALLET WAS STOLEN AND SEVERAL YRS LATER FRAUD ACCTS HAD APPREARED ON MY CREDIT BUREAUS AND LATES STARTED HITTING MY CREDIT AND I HAVE SINCE BEEN DISPUTING AND I WAS ABLE TO GET MOST OF THE FRAUD ACCTS OFF HOWEVER THE 2 ACCTS SUNTRUST AND XXXX LISTED ON MY CREDIT IS STILL ON MY XXXX REPORT I HAVE TRIED ALL I CAN'T TO HAVE THOSE ACCTS REMOVED THEY DID REMOVE THEM FROM MY XXXX XXXX AND XXXX HOWEVER IT REMAINS ON MY XXXX AND HAS AFFECTED MY CREDIT GREATLY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TARGET/TD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
My complaint is against Cash App. I disputed a transaction that was charged on my card XX/XX/2021 due to no services rendered. They refuse to credit my account for that transaction. I was told they would provide me a credit in 45 days of filing the dispute, which I believe was done on XX/XX/2021 on the phone with Cash App support. I havent received a credit to my account and its been well over 45 days since the dispute was filed. I received an email the other day that they were closing the dispute case now. How can they close the case when nothing has been resolved yet?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XX/XX/2017 I, XXXX XXXX Federally protected Consumer and Natural person extended credit to Wellsfargo Bank using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent Wellsfargo a notice to cease and desist and a notice to validate the debt which they have failed to abide by. Wellsfargo Bank is now civilly and criminally liable for violating my consumer rights. Wellsfargo has yet to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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: DISCOVER BANK
State: AZ

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX with Navient. 

Navient has been charging me monthly for this private loan. It hasn't amortized any of my payments since 2014 and it simply keeps padding its interest. The loan had an original balance of {$14000.00} and now the balance is almost {$20000.00}, even though I have made payments that total over {$4800.00}, which of course is over 75 % of the loan principal. 

Navient is acting in a predatory fashion and engaging in usury. Its website fails to show an amortization table, thus, the borrower can not know about its illegal predatory practices, until he/she realizes that the loan balance never diminishes. 

I would like to Navient to apply at least {$4000.00} of the payments I already made to my principal and issue a new balance with the next payment due in XXXX, without any interest capitalization from now until XXXX, to ensure that all my payments are applied to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB Professional! 

I have applied for and on XX/XX/2021 I was successfully approved for a CHASE Freedom XXXX XXXX XXXX What made me go with this card is the specific promotion which states the following ( I have screenshots saved for this purpose so I am quoting ) : " Earn 5 % cashback on grocery store purchases up to $ XXXX spent in the first year. '' Fast forward I was denied this benefit without notification or explanation. I contacted the bank via secured messages on XXXX and after 10 days, on XXXX I was given an answer that I am simply not getting it. There was no explanation offered whatsoever. After that, I called the bank and spoke to the account XXXX named XXXX. He refused to tell me his ID number or identify himself in any way but his name. He told me that different customers get different benefits. I asked him if this situation reminds him of the bait-and-switch tactic used by used cars salesmen and he just agreed. He took my complaint and then admitted that it goes nowhere and no resolution will be offered. He told me that this situation is final and the bank refuses to do anything about it. Period. 

I find this situation outrageous and ask for you to step in and help me navigate this situation. This is a false advertisement, a bait-and-switch tactic that is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Bread Financial Holdings, Inc.
State: SD

Complaint narrative:
I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXX XXXX XXXX ( the company i paid ) and they said that the original creditor ( comenity bank is reporting the account incorrectly ) and that i need to contact them. the response i received from comenity bank is that i need to contact XXXX XXXX in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: DE

Complaint narrative:
My complaint involves actions by and between XXXX and PNCBank, where I have two checking accounts and a savings account. I have never given XXXX my banking credentials nor authorized them to deposit or withdraw funds from any of my accounts. XXXX provided a credit to my account at PNCBank and later reversed the credit. I saw the transaction of the {$60.00}. credit listed in the transactions column online near the time I called into XXXX to complain of having overpaid them, around XX/XX/2021. I was promised a credit via phone and did witness the {$60.00}. having been credited to the account soon after phone conversation. Later, I noticed the credit was no longer there, but that my bill pay to XXXX had been reversed of {$69.00}. PNCBank denies that a credit of {$60.00} was ever made by XXXX. I believe that PNCBank and XXXX have an arrangement where XXXX has been granted permission to violate my privacy. This is the second time I have had this issue come to my attention. Previously, XXXX went into my bill pay account and changed the dates of my payments to coordinate with their preferences. I called PNCBank and complained and removed XXXX e-bill status. Again, I have never given XXXX my checking account credentials, I have exclusively used bill pay with autopay to send an electronic check to them. I believe PNCBank is very remiss in accommodating the wishes of the vendor over the customer, compromising the privacy and integrity of a customer 's account giving unauthorized access to my account to XXXX. PNCBank XXXX XXXX today has fully cooperated with PNCBank policy to erase its transactional history and lie to me the customer of the existence of the {$60.00}. credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Cedars Business Services, LLC
State: TX

Complaint narrative:
I received an alert that a hard inquiry was made on my credit by Cedars Business Services ( XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ). I called the company and they stated the wrong month for my date of birth then told me because of that they could not provide me with any information. They said they would investigate and call me back, which they never did. I never gave this company permission to pull my credit. I have requested they remove the inquiry but they only stated they can not give me further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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: PA

Complaint narrative:
Hi there what's going on? It's been several months now but I still haven't got a response from you. I don't go so far as to spend money and sue your organization for not doing your job but I would if I'm forced to. I'm only asking for those negative items to be reinvestigated properly but you seem to ignore the letters. I joined an online forum and they have been advising me to pursue which FCRA laws have been violated but for the last time please do look into my account and remove the errors I listed. FCRA section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
AFNI added a collection to my credit report that does not belong to me. This is causing me great harm, as it has lowered my credit score. I am a XXXX XXXX ( XXXX ) and I take my credit very seriously. I have never missed a payment on any of my obligations. 

I closed my account with XXXX in XXXX. AT that time the representative stated I owed {$210.00} which I paid and have proof of payment if needed. I see the " opened '' date being reported as XX/XX/XXXX - this seems to me as inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed an account on my credit report in XX/XX/XXXX from a XXXXXXXX XXXX XXXXXXXX XXXX I notice it was a couple of late payments and it looked like it had been opened since XXXX of XXXX. I didn't know about this because I don't have credit monitoring services. I contacted XXXX on XX/XX/XXXX but I was told by customer service I would have to send in a fraud affidavit with the fraudulent information because I didn't have the account information. I sent over my fraud affidavit along with a copy of my ID and a letter explaining I was a victim of Identity theft, it was received by the credit bureaus on XX/XX/XXXX and was verified as accurate on XX/XX/XXXX. I never received anything from XXXX, not a phone call or a letter. On XX/XX/XXXX, I sent the same documents over to the bureaus and on XX/XX/XXXX, the account came back verified again and the same thing, nothing from XXXX. On XX/XX/XXXX I sent the same documents again to the credit bureaus and XXXX verified the account as accurate on XX/XX/XXXX. I am now sending documents directly to XXXX and filing a complaint because I don't know exactly what to do at this point. It is hurting my credit score and hindering me from obtaining any kind of credit at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
My car was a total loss. I have a statement and documents that show the payoff for my vehicle is $ XXXX. The insurance company said the payoff is $ XXXX. 
How and when was it made legal for auto finance companies to provide ONE payoff amount to me, then give a higher payoff amount to the insurance company? I have documented proof of my payoff, but since my insurance company called, auto finance companies can say the payoff is higher than what I am told? Bottom line, I call and got payoff, its $ XXXX, but since insurance company called, the payoff is $ XXXX. How is this legal? Regardless of the type of financing and or really anything else, how is this legal? 
This seems like a complete scam in which an insurance company and auto finance company work together to XXXX over consumer 's! 
It boils down to, since the finance company can not resell the car, I am being charged the $ XXXX difference, which they call cash value! But if I call, which I did and got the same payoff as my statement? $ XXXX! So how is it that the auto finance company can charge more just because the insurance company called and said total loss. So again, the only difference is who called the insurance company! 
I have documented proof of the payoff, if I paid the car off myself, I would of paid $ XXXX and the car is mine. Then the insurance company would of sent me the entire amount! But since the insurance company called for the payoff, they can charge a cash value for the car? Even though I got a payoff, that is an actual payoff for the car. The auto finance company knows it a total loss so they charge for the fact they can not resell the car so they charge me $ XXXX more? But again, I call and get payoff, its $ XXXX less? 
How and who made this type of thievery legal? Sorry for the repetitive nature of some of my comment 's! I am truly having a hard time understanding how this is even legal. nothing about this seems even slightly legal.

Company response to consumer: Closed with explanation