vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
CFPB Staff, Truist Bank has left my daughter  and myself in a dire situation! 

On XX/XX/XXXX I filed a dispute with Truist Bank for {$440.00} concerning a package not received from XXXX XXXX. 

Truist Bank 's staff informed me that I WOULD receive a credit within 2-5 days! 

I was repeated this information by Truist 's Phone Staff twice on Friday XX/XX/XXXX, and on Monday XX/XX/XXXX. 

Because of this guarantee from Truist Bank we budgeted our funds to pay our rent after receiving said promised credit by Trusit Bank. 


However, today XX/XX/XXXX a supervisor named XXXX at XXXX and a Supervisor named XXXX at XXXX stated this had been a lie and that NO funds will be credited for up to 130 Days! 

Truist Bank has left us unable to PAY OUR RENT in this dire situation! 

This is fraud and anti-consumer by Truist Bank and has left my daughter and myself in a dangerous situation!

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 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
prior claim XXXX still not resolved - Suntrust is still holding on to the wire transfer money refusing to send it back .I had been dealing with XXXX XXXX to try & get this resolved. 
Seems Suntrust back in XXXX was contacted by the XXXX  XXXX XXXX to recall the wire. Suntrust refused at that time. Now since they refused XXXX  XXXX XXXX can no longer request this. I personally called the XXXX  XXXX XXXX & they stated since the account has been closed the funds should automatically be returned to them for their client. Suntrust has these funds since XXXX it was a wire. 
I have tried to contact XXXX XXXX- at XXXX XXXX, to see if Suntrust can send a cashier check to the maker of the wire. I have not received any calls back. 
I can sign a hold harmless so the funds can be sent back to the XXXX  XXXX XXXX for their client. I have asked since XXXX on numerous recorded calls to suntrust requesting this be returned. 
It seems like the only way I have gotten any resolution to this was to file a complaint. Suntrust has no rights to keep these funds. they finally after fighting & filing a complaint released the funds do to me that were being held. Now it seems they are not being compliant again in releasing the funds back. They have it on record & can contact XXXX XXXX at ( XXXX ) XXXX who had been handling this for her client- she is an officer at the XXXX  XXXX XXXX XXXX 
Please I ask again for your agency to step in to get this resolved. 
thank you 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 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: NJ

Complaint narrative:
I opened an account with First Progress Master card, however i have been making payments on time, none of my payments returned! I issued a check payment to the bank, my bank cleared the funds, the credit company refuses to add my payment to credit balance to increase my credit limit ... ....

First Progress Master card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have had paypal since XXXXnever reported to credit bureaus!!! When they extended credit they would ask and I never ever applied for credit I had a paypal number!!!!! Since synchony bank took over they started to report!!! I called paypal and they said no we do not!!! due to the extended 6 months no interest on purchases!!! This bank now charges XXXX dollars with just minimum payment!!! I sent payment during this virus of XXXX and told them to not charge interest along with minimum do but they keep on calling this is terrible I never applied for their credit because I knew its a bad bank ... ....

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 2020-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated
State: TN

Complaint narrative:
I looked at XXXX ads online in early XXXX to find the best rates to refinance my mortgage. I was contacted by several mortgage companies including XXXX XXXX from Sovereign Lending group who sent me a written guarantee they would beat any other quote or send me a check for {$1000.00} for rate quotes on the same day. I received a quote from XXXX on XX/XX/2020 which I will attach for 3.625 %. I also sent them a better quote also on the XXXX of XXXX for 3.375 % from XXXX XXXX and it went to XXXX XXXX another agent at Sovereign. XXXX didn't respond on the same day but sent a quote the next morning that was still higher than my quote from XXXX XXXX. I politely asked that since they were unable to beat the XXXX XXXX quote that they forward the promised check which they use as an advertising tool. They have refused to send a check and do not answer emails and calls regarding this. I sent two emails to their support site asking for a manager and explained what happened but they do not respond. I was continuing to get contacted by numerous agents asking to provide loan quotes from Sovereign. Each time I explained I was going with a different firm and that they didn't honor their promise. Finally one of them connected me to a manager XXXX XXXX at XXXX who I thought might finally take care of it. But after two conversations he has not returned my last 6 phone calls. I find this whole process to be deceitful, with false advertising and totally unprofessional from all those I have been in touch with asking them to honor their certificate of {$1000.00}. I was hoping they would have the best rate but they didn't .I just ask that they do the right thing. It's not hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation 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
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance One, Inc.
State: PA

Complaint narrative:
I have been receiving calls from this company for weeks now. Most time I ignore it but today I'm sitting with my wife and kids watching tv and decided enough was enough. I've been in contact with XXXX  card services and have set up a payment plan thru their own website. I have been in contact with XXXX. I attempted to explain my situation and the fact that I have already made an agreement thru XXXX  and the did not listen. As I was explaining myself the guy on the phone just spoke over top of me. He was extremely rude. So I asked for a supervisor. I was immediately placed on hold and just waited a few minutes before I hung up and called them back. I then asked again for a supervisor was placed on a brief hold until a women answered claiming to be the shift supervisor. She proceeded to talk over me as I once again tried to explain myself. Then I asked to speak with her boss and she gave me some run around. Then proceeded to ask me for more personal info before she could give me her boss 's contact info. It was a giant run around. I told them numerous times over numerous calls to stop calling me. I will provide a screenshot of my agreement with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: FL

Complaint narrative:
I paid for a XXXX reservation on XX/XX/XXXX in the amount of {$540.00} for a stay from XX/XX/XXXX to XX/XX/XXXX. There was a free cancellation that expired 60-days prior to the stay. I went on my trip, and checked in to the apartment on XX/XX/XXXX. My son found XXXX  XXXX  on his bed and was bitten during the night. I notified the host and explained that I could not stay as the place was uninhabitable due to XXXX XXXX. I told him I was checking out and wanted the remaining nights refunded. He refused, stating that the cancellation window expired 60-days prior and that he would send someone to investigate the XXXX issue. After an hour, I left, and have since been trying to get a partial refund from the host and XXXX but not getting anywhere. I filed a dispute with my bank because the service paid for was not as described, and they investigated but told me that according to XXXX policy, I had to dispute within 120 days of the transaction. How is that even legal, when the service was not yet in effect until almost 150 days after the transaction date? Basically the consumer is being penalized for not disputing transaction for a service not received. It makes no sense whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: LEXISNEXIS
State: TX

Complaint narrative:
background information ftc violations XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: NC

Complaint narrative:
I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft : XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: OH

Complaint narrative:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian lowered my score 20 points after my balance increase and payoff of my credit cards. I have an exceptional payment history and my balances are at 6 %. I called and they stated that they are not credit experts and they don't know why my score lowered. I have never paid down credit cards to see my score drop 20 points in one day after a card has been paid off. I believe they are purposely lowering score to promote their credit boost application. I called a few of my friends and similar complaints have happened. They have offered no explanation and provided no attempt to resolve or investigate the inaccuracies. Also I have disputed addresses and names that aren't mine and those inaccuracies remain on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
WE HAVE BEEN USING PAYPAL SINCE LATE LAST YEAR OR EARLY THIS YEAR BUT WE HAVE HAD MORE THAN A FEW TRANSACTIONS THAT WERE PROCESSED VIA PAYPAL, SO WE ARE NOT NEW. WE HAVE HAD SOME TRANSACTIONS OVER A {$1000.00} AND THIS TRANSACTION IN QUESTION IS FOR A FURNACE INSTALLATION WHICH WAS COMPLETED AND PAID FOR ON XX/XX/2020. PAYPAL INFORMED ME THAT THIS IS AN UNUSUAL TRANSACTION AND OUR MONEY COULD BE HELD FOR 3 WEEKS! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WE ARE AN HVAC COMPANY WE HAVE MANY TRANSACTION THAT ARE LARGER THAN THAT THEREFORE IT IS NO REASON AND THERE IS NOT A CUSTOMER DISPUTE REGARDING THE MONEY EITHER THE CUSTOMER IS VERIFIED AND I PERSONALLY KNOW THE CUSTOMER WHICH MAKES THIS WORST. WE NEED OUR MONEY AND I WILL NEVER PROCESS PAYMENTS VIA PAYPAL AGAIN FOR MY CUSTOMER TRANSACTION THEY ACT LIKE THEY ARE LOANING ME MONEY I HAVE EARNED AND NEED TO SURVIVE! 

NO ONE ANSWERS THE PHONE AND YOU CAN'T COMMUNICATE VIA EMAIL OR ANY TYPE OF CORRESPONDENCE. PAYPAL CUSTOMER SERVICE IS NOT FUNCTIONING AT ALL PER THEIR MESSAGE, SO WHO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX STOP THE PAYMENT FROM PROCESSING TO OUR ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07 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: TX

Complaint narrative:
background information ftc violations mysmartmove and smartmove transunion

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 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2019 I received a promotion on my email from Bank of America exclusively for me were they offered me {$300.00}, If I open a new checking account with them. The terms were after qualifying direct deposits of {$4000.00} in 60 days. 
I opened an account and qualified with the terms. On XX/XX/XXXX I called Bank of America to check the status of the {$300.00} dollars and they told me that I was not included in that promotion. I gave them proof of the email I received on XX/XX/2019, p and they asked to start an escalation which I did and that I had to wait 7 business days. I called after 7 business days for a second time and I was told to wait 30 more days because takes 30 days now. I did called again yesterday after 90 days since account was opened and asked for the status of my {$300.00} and results escalation. Now I was told that had to wait 60 more days! I asked the person that I was given different information every time I called 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 monetary relief
Consumer complaint received 2020-04-07 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a victim of identity theft. I have requested for XXXX  to investigate an existing fraudulent account on my credit report> I have supplied all three crediting agencies with a copy of my police report requesting for fraudulent activity to be remove. XXXX  has failed to comply with my request. I've written a letter stating that XXXX XXXX XXXX does not belong to me and therefore should be moved

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 2020-04-07 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: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$230.00} on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I cancelled this account well within the time allotted per the contract but they continued to charge the account. The representative I spoke with at XXXX assured me that this was their error and that they would correct the issue. The representative also assured me the account was in fact closed and in good standing and that this account would not go to collections. There is no outstanding balance due and therefore nothing to collect/chargeoff. I never received any correspondence from XXXX that this account was allegedly in jeopardy. I did not know this account had even gone to collections until I obtained a most recent copy of my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have called XXXX and I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation