vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 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: SC

Complaint narrative:
I have been making payment son a Parent Plus loan with Navient for many years. I have made additional principal payments that were applied to interest instead of the principal. I called them numerous times over the years, but nothing was ever done to correct the payments. 
XXXX payments that should have been applied to the principal were applied to the interest instead. 
I payed off the loan in full on XX/XX/21 with retirement funds when my husband was laid off due to COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: FISERV FINXACT CORE
State: AL

Complaint narrative:
Telecheck is not keeping up with its check approval database which has resulted in my business check being declined.

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 2022-01-25 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: MA

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll 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 explanation
Consumer complaint received 2022-01-25 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: ID

Complaint narrative:
RE : Bank of America. There is no online way to close the account. I wasnt able to close the account when I wished nor had time to wait on hold. They forced me to call to cancel and by that time another month of service fees was added to my account which brought it into negative balance. The customer service rep said they could not close the account with a negative balance.

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 2022-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
I opened a line of credit on XX/XX/XXXX. I took out a few advances, and have set up auto pay at beginning of line of credit. 
When I took advances off the line of credit, they took some money off out of the money I borrowed at beginning, and than they also charge money per each billing statement, which is twice a month, I am making payments in between pay dates, and they are not applying them to my principal, and taking almost 80 percent toward fees, and than postponing the extra payments for days, so the balance isn't decreased before the next statement date, however the money is deducted from my bank account the next day, and there computer system leaves it in pending so they can get more fees, I have also called and tried to get a manager on the phone and was refused and said I have to wait 24 to 48 hours, I also tried to make a full principal payment over the phone and my payment was denied, because they said they can't promise me the whole amount would go to principal payment, and my payment isn't due until XX/XX/XXXX, I had alresdy made a XXXX  dollar extra payment, and they took fees from that also, and my payment was set up on auto pay, for the fees, so I told them all my extra payments I want directly to principal, and they refuse to fix it. Its only XX/XX/XXXX and I already paid XXXX  dollars in fees, out of my extra payments. They are scamming people out of 100s of thousands of dollars, they try to hold off on putting payments through until after the statement for next billing cycle because the balance at billing cycle is what the fees are based on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Foris DAX, Inc.
State: MN

Complaint narrative:
I PUT {$6500.00} USD ON A XXXX  DEBIT CARD THROUGH CRYPTO.COM. THE DEBIT CARD DIDN'T WORK SO THEY CANCELED IT AND ISSUED ME ANOTHER CARD. IN THE PROCESS THEY LOST MY {$6500.00} AFTER SEVERAL ATTEMPTS TO CONTACT THEM IN 30 DAYS, I CAN NOT GET A RESPONSE FROM THEM. I WAS GOING TO USE THIS MONEY FOR MY WEDDING AND CHILDREN. NOW I HAVE NOTHING FOR MY WEDDING AND CHILDREN AND WANT COMPENSATION PLUS MY MONEY AND STAKED REWARDS BACK. THIS COMPANY TOOK {$6500.00} USD FROM ME AND REFUSES TO FIX OR DISCUSS THE ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: TN

Complaint narrative:
I thought about moving mine and my husband 's cell service to XXXX XXXX XXXX. I conducted this online at XXXX. We ordered phones, and the phones came in and then we decided that this move was not saving the money that we thought it would. 

We returned the phones, without ever using them or putting the sim card in them at all. I called XXXX and told them that we wanted to return the phones and not be hooked up to their service. They emailed me the return label for the return of the phones and we mailed them back to them. They are not trying to collect the phones, but they are trying to collect for service that we never turned on or used. I talked several, several times to representatives with XXXX and they " understood our frustration '' and " yes I see in our notes that you returned the phones and didn't use our service '' and " we will take care of this '' and " yes we see that you do not owe money for our service '' and " we will escalate the situation to management ''. Hours and hours were spent holding on the phone to talk to these representatives that said they would take care of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
Hi I am having trouble with my mortgage company not reporting to credit reporting agencies. Ive asked him time after time to please report this to the credit bureaus but they refused to Ive had the same mortgage for 17 years and still they have not reported it to the credit bureaus. Im just wondering if you can help me find forcing them to reported to the credit Burroughs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
In 2019 I bought a monthly service with XXXX and was not aware that they signed me up with a loan by GreenSky. They took my SSN and didn't tell me that this was a loan. Instead, they told me that this was a monthly payment. Until recently I just found out it's a loan and it's charging me 27 % interest rate. The original amount was 3000, and the interest is 2000.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
account name ; XXXX  account number ; XXXX date opened ; XX/XX/2021 amount owed {$2800.00} inquiries that need to be removed 1. ) XXXX XXXX 2. ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: IL

Complaint narrative:
account name ; XXXX account number ; XXXX date opened ; XX/XX/2021 amount owed {$2800.00} inquiries that need to be removed 1. ) XXXX XXXX 2. ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: DISCOVER BANK
State: OR

Complaint narrative:
I purchased concert tickets using my discover credit card. I was notified by XXXX that the concert was cancelled and that I would get a full refund in 30 days. After 30 days passed, I didn't see the credit placed back on my credit card, so I called Discover to file a dispute. I filed the dispute on XX/XX/XXXX. I just got notice on XX/XX/XXXX that the provisional credit that Discover had given me is now being removed and my dispute have been denied. My wife brought to my attention that Discover had violated Regulation E. I called Discover back and gave them permission to speak with my wife. My wife had informed them they had violated Reg E and asked why they are so behind with their processing. They gave her an excuse that they are behind with their work, but would not acknowledge what my wife was telling them as if they were avoiding the facts of the regulation. They promised to call in 48 hours. It has been 4 days and we have not received an email or a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: IN

Complaint narrative:
I have late payments posted on my credit report during COVID -19. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not give any company or consumer reporting agency written instructions or permission to report late payments, and your company as well as XXXX, XXXX, and Transunion are in clear violation of the FCRA and the FDCPA for the following violations. 

15 U.S. CODE 1681b ( a ) ( 2 ) Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXXisease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ;

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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have late payments posted on my credit report during COVID -19. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not give any company or consumer reporting agency written instructions or permission to report late payments, and your company as well as XXXX, Equifax, and XXXX are in clear violation of the FCRA and the FDCPA for the following violations. 

15 U.S. CODE 1681b ( a ) ( 2 ) Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to XXXX or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make XXXX or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: IN

Complaint narrative:
I have late payments posted on my credit report during COVID -19. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not give any company or consumer reporting agency written instructions or permission to report late payments, and your company as well as Experian, XXXX, and XXXX are in clear violation of the FCRA and the FDCPA for the following violations.

15 U.S. CODE 1681b ( a ) ( 2 ) Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ;

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 2022-01-25 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: AR

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: AR

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll 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 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Sir/Madam, I had two mortgages with XXXX XXXX since XX/XX/2021. I had set up the automatic payments on XXXX XXXX  online portal. The payments were always on time to pay monthly. But at the end XX/XX/2021, I found out that in my checking account there were no transactions for mortgage payments in the last few months. So I called XXXX XXXX  and was told my two mortgages had been sold to Suntrust Banks in XX/XX/2021. 
So I called Suntrust Banks and made the missed payments on the same day when I found out the mortgage sale. When I made the payments, I asked the Suntrust representative if these late payments would be reflected on my credit reports. I was told that it should not be since I have made the payments, but if anything showed up on my credit reports I could file a dispute with Suntrust and Suntrust can help me to resolve it. So I filed a dispute anyway to avoid any negative impact on my credit, but recently Suntrust denied my dispute. I felt it was so unfair to me because I had never seen any notices about the sale of my mortgages. Suntrust told me they mailed me and even called me and left a voice message about the sale of my mortgages, but I have never received such a message from Suntrust. In the past 15 years I have never been late on any credit card payments and any mortgage payments. My credit score was always excellent, but now since the several late payments were reported on my credit report, they hurt my credit very badly. Both Previous mortgage company and Suntrust banks have all of my contact information ( including my email, mobile phone ), I am questioning if they did their best diligence to inform me about the sale to avoid late payments. 
I have paid the late payment fees because I indeed was late for a few payments. I am ok with that fees, but all I asked from Suntrust is an one-time courtesy removal of my late payments from my credit reports since I was not aware of the mortgage sales until XX/XX/2021. 
I was very stressed by how the COVID-19 impacted our life and am looking for a reasonable solution to my case from CFPB or Suntrust banks XXXX 
Thank you so much!

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