vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank has been unreachable regarding fraudulent charges to our account. 
XX/XX/2022 # {$890.00} and {$670.00} were taken from our checking account. Truist Bank is basically unreachable by depositors and their employees. 

We went to the bank XXXX to find out what steps needed to be taken. We were told because of the merger, nothing was being processed until the following Wednesday ( XX/XX/2022 ) evening. The charges must post before we could file a fraud complaint. We went to the bank on Thursday, XX/XX/XXXX and had the banker call and put in the fraud complaint. Please note, we were on hold 45 minutes before our call was answered. Complaint # XXXX Having tried numerous times to call the numbers given for the Fraud Department XXXX and XXXX XXXX XXXX and not being able to get thru I did get someone on Tuesday, XX/XX/2022 but she was not able to give me a current status on the claim. She transfered me to another department that was closed and not the correct department either. 

Wednesday, XX/XX/2022 went to the bank and asked the banker to try and reach someone regarding the status .He tried both numbers and wasn't able to reach anyone.This visit was 90 minutes. 

Truist did not create an avenue for its Branches to reach out to them. 

worst experience in banking in our entire lives.

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 2022-03-02 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:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/XXXX and was accompanied by a dispute submitted directly to XXXX. The dispute number was XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2021. This is not a delay : this is negligence on the part of XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within XXXX days. There is no good faith effort by XXXX to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX must be held accountable and to the standards clearly outlined in the FCRA.

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 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
Follow up the case XXXX. 
Recently I submitted a complaint, because current bank dont let me open a checking account with all the benefits they offer to the customers. I meet all the requirements mentioned on current.com, but the bank continue denied my request. WITH NO REASON OR MOTIVE. 
The company keeps telling me that they thoroughly reviewed my profile and I am not eligible for an account. I demand a clear and concise answer, with the reason why I can not open my account. It seems to me an act of discrimination and I want to be shown otherwise. Current Bank 's response was to wait 15 more days, but yesterday I wrote to the bank on its website and their response was that it was still denied and there is no additional study. The next step is a formal complaint, until they clearly show me the reason why I can not apply for an account at Current Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello my Name is XXXX XXXX, i live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
In morning around XXXX ( XX/XX/XXXX ) I go to the chase bank to withdraw some many at ATM ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX, i find it that my card expiring XX/XX/XXXX. ( didn't know that, last withdraw was made by me of {$200.00} on XXXX last year XXXX ) After that I check on my phone App and I find out that on my account are couple transactions which I never know it and wasn't made any by me.. 
Those transactions : ( first one ) XX/XX/XXXX XXXX XXXX XXXX  ( Withdrawal Amount : {$4500.00} ) ( second ) XX/XX/XXXX. ( can't see the time ) Amaunt : {$200.00} ( third ). XX/XX/XXXX. ( can't see the time ) amount : {$200.00} there are + couples fees on in total {$7.00} and its one more of {$120.00}. 
When I see those transactions I go inside the bank to talk with a staff there, and someone there from the staff tell me to open for me claims, but the Claims didn't help me at all, they asked me to restrict my account and you will get many back, I did that but they didn't give any many back to me ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: NC

Complaint narrative:
Hi I submitted the payment to Klarna the other day to resolve the issue. I wasnt aware it was sent to a debt collector and they took my money for that payment already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
INITIALLY I HAD THE SAME PROBLEM WITH XXXX, XXXX, AND TRANSUNION. ALL THREE REPORTS HAVE SHOWED I HAVE A SIGNIFICANT AMOUNT OF INQUIRIES. I DISPUTED ALL THREE COMPANIES VIA EMAIL AND PHONE BOTH. WHEN I DISPUTED VIA EMAIL, IT TOOK THEM ONLY 1-3 DAYS TO COMPLETE. PROBLEM WAS, NOTHING WAS FIXED. SO THEN I CALLED TO FIX THE ISSUE ON ALL 3 REPORTS. MY HOLD TIMES WERE UNBELIEVABLE. ANYWHERE FROM 90 MIN TO 3 HOUR HOLD TIMES. NEEDLESS TO SAY, AFTER FINALLY GETTING A HOLD OF SOMEONE, THEY STATED TO PUT A FREEZE ON MY REPORTS. I DID WHAT THEY REQUESTED. AGAIN, THE INQUIRIES ARE STILL ON THERE. I COMPLETED A FRAUD INVESTIGATION WITH ALL 3 COMPANIES AND I STILL HAVE A FREEZE ON ALL THREE COMPANIES AS THEY REQUESTED. THE OVERALL PROBLEM STILL REMAINS WHICH IS I STILL HAVE A UNBELIVABLE AMOUNT OF HARD CREDIT INQUIRIES CAUSING MY SCORE TO BE BELOW 750. MY SCORE WILL BE 800 OR ABOVE IF THE WOULD FIX MY REPORT. THANK YOU FOR YOUR TIME

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 2022-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Hello, I noticed a big drop in my credit score ( from XX/XX/XXXX ) in XXXX, XXXX. I contacted XXXX and realized it was because a collection record was added by Transworld Systems. I contacted them and found out I missed a medical bill during my move from XXXX to XXXX. Even though I had USPS forwarding services ( a lot of other mails were forwarded successfully ), I never received the bill, nor did I get informed about this missing payment. I never received any notification about this collection until I found out in my credit score myself. 

I paid off the debt over the phone in XXXX, and explicitly asked if my credit score would go up. The representative said yes, which turned out to be partially true eventually the record will go away in 7 years. However, due to my lack of knowledge of how collection works, I thought this was settled. In XX/XX/XXXX, I was trying to get a home mortgage, and found out my credit score was still pretty low and it was hurting the interest rate I was getting. I eventually decided to hold off on getting a place.

I feel like what the hospital and Transworld Systems has done is not fair. They didnt inform me about this, otherwise I would not have missed it. I never missed a payment and had great credit history before this. Im hoping collecting companies can respect peoples efforts to bu
ild good credit history, communicate and educate people ( instead of just saying my credit score will go up ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX opened an IRA account at XXXX  XXXX in XXXX, GA. The deposit was {$2000.00}. The certificate number is XXXX. Subsequent to the deposit, XXXX XXXX was bought by Nations Bank in XXXX, which later became Bank of America. We have taken the paperwork we have to Bank of America to cash out the account. Bank of America says they have no record of the account, notwithstanding the fact that we have the paperwork. Bank of America told us the only have to keep records for 7 years and don't know what happened to our account since acquiring XXXX XXXX. We have checked with unclaimed property in the State of Georgia and no funds from Bank of America have been turned over for XXXX XXXX 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 2022-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In a detailed review of the transaction history of the credit card account ( after noticed that there was a significant balance still owed, after balance should be close to paid off ). In this detailed review, noted that the interest on the account from 2017 to present is not being calculated accurately and within the federal standards for calculation. Can see from monthly statements dating from 2017 year to present that there are some months in which the payment made on account goes solely to interest, other months the payment does not pay any interest. Monthly payments exceed the minimum balance, so payments should be applied per the federal standard, but they are not. This has caused an excess of $ XXXX in interest alone accumulated inaccurately on this account from 2017 to present. 

I have contacted the company multiple times to request the ledger and transaction history used to produce the statements I am reviewing. The reason I asked for this information is because you can not determine how payments were applied to the account. On the statements you can only see how much interest was paid and if the principal balance went down. From the statements I can see that interest has been added to the principal balance, then additional interest applied to that balance. The company has refused to supply me with this information and just keep sending me the monthly statements. I already have the statements and have explained the statements do not show the requested information. I have called the company multiple times, sent emails, all requesting a manager and corporate intervention to obtain information I am requesting. They refuse to provide the details on the account and continually tell me someone will call me to discuss and resolve. That has yet to happen. You can see from the statements that the interest on the account is not be calculated accurately, but any further detail, i.e., how much is being applied and how exactly it is being applied can not be seen without the requested information. I would like assistance in obtaining this information or a detailed review of this credit card account, so as to prove inaccurate standards for credit card interest calculation. I can and will supply all statements from 2017 to present, if needed. Please let me know if you need those. Thank you. 

In a nutshell, the balance is XXXX XXXX higher than accurately calculated, which is ALL interest added to account. This account has not accumulated a balance past {$2000.00}, so {$600.00} in interest is extremely high, which is what triggered me to do an audit on the account. Again, thank you for all your assistance.

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 2022-03-02 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: NJ

Complaint narrative:
I have been reaching out to EQUIFAX, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from EQUIFAX and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Inquiries : XXXX XXXX XXXX  XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Between the dates, XXXX, both my checking and savings accounts were depleted by criminals engaging in bank fraud. On XX/XX/XXXX, I received a call by a man claiming to be with Citibank. He stated that they detected suspicious activity on my account. He already knew which account and confirmed my address. I didn't give him any of my account information. He asked if I had made a purchase at a XXXX outside of VA- I had not. He then asked if I had made two other purchases, named the vendor and the amount spent. I had made those. Because he knew my actual account information, what I had recently spent, and my address, I believed him to be a Citibank employee. I later found out that he was not. After stating there was a lot of fraud going on, and that Citi wanted to make sure my fraud alerts were getting to me, he said that he needed me to read back some codes. I've had to read back codes before, so this didn't alarm or alert me that something illegal was happening. I mentioned that I would need my new debit card quickly as it was just 2 weeks away from XXXX and that I needed to finish shopping. This scammer said he understood and expedited a new legitimate debit card to my apartment. He even said that he was going to waive the fee to expedite it since I had been on the phone for a while. I thought it was a nice customer courtesy, and much to my chagrin, thanked the criminal. I did, in fact, receive the new debit card, and after receiving another call from the criminal, on XX/XX/XXXX, where he asked for the cvv ( which I didn't give to him ), I went to my local Citibank branch. It was then and there that I was told that both of my accounts were wiped out. The thieves moved my money through both of my children 's accounts in order to get all of it. I had close to {$30000.00} on XX/XX/XXXX and around {$14.00} on XX/XX/XXXX. Citibank has given me some credit, but has not returned it all claiming that part of my story lacks credibility. I have told them, and am still willing, to do whatever I need to do to get all of my money back. I am the victim here. I know there are many more of us out there having to fight ( file claims, make repeated calls, fill out endless forms, profess our innocence to seemingly deaf ears, visit police precincts, etc. ) just to get back what is ours. It is beyond frustrating and unfair to put the burden on the victim. After attempting to work with Citibank, and not getting resolution, I filed a complaint with the Department of Financial Services ( XXXX - XXXX XXXX ) on XX/XX/22. On XX/XX/XXXX, I received a response stating that I should file a complaint with the CFPB. After more frustration with Citibank, I am filing this complaint hoping to finally get resolution.

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 2022-03-02 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: VA

Complaint narrative:
XXXX XXXX. Paid on time never late. Monthly payment is {$500.00} XXXX XXXXXXXX Credit card. current account balance is wrong. monthly payment is {$500.00}. never late, no delinquencies. XXXX XXXX XXXX Credit Card. paid on time, never late. Current balance {$21000.00}. MOnthly payment {$1000.00} XXXX XXXX. account closed, paid in full, never late. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. XXXX XXXX. account close, paid in full, never late. account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. XXXXXXXX XXXX XXXXXXXX. account closed. paid in full, never late. Account closed XX/XX/XXXX. As consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. XXXX. Account paid in full, never late & closed. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. XXXXXXXX XXXX XXXXXXXX. Account close, paid in full, never late. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. US Dept of EDU XXXX. Account closed, sold or transferred. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
On XXXX XX/XX/XXXX i sent of copies of my W2, utility bill & drivers license with current address. i was asked to provide this information to prove my identity as a consumer. since i've now provided this information. i now demand the errors on my account be immediately investigated, corrected & removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been reaching out to TRANSUNION, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TRANSUNION and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. Equifax failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore Equifax is REQUIRED to immediately remove each and every last one of them from my credit report.

Company response to consumer: Closed with explanation