vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am refinancing my home ; my current mortgage company is XXXX XXXX ... .it just so happens my closing attorney office is XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX not related ) I am financing with XXXX XXXX  ... my contact is XXXX XXXX XXXX his number is XXXX .... 
My closing was supposed to happen 3-4 weeks ago ... .my closing attorney says Suntrust Bank ... has a 2nd lien on my house... home equity line from 10-11 years ago... 
My mortgage was with Suntrust back then and was sold to XXXX XXXX ( above ) which is about {$94000.00}...... I do not owe Suntrust any money related to a home equity... 
Did I ever have a home equity loan with them ; then the answer is possibily... but I would know if I owed them money .... 
My closing attorney has spoke to several people at Suntrust for the last couple of weeks. 
Depending on who you talk to at Suntrust and what day ; the lien is cleared and other times they think I owe money but do not know how much????? 
My contact and attorney have worked there butts off; trying to get this resolved for about 3-4 weeks... 
YOu know how much time it takes ; all the information ; needed by the finance company to get this done. Its a nightmare! Suntrust has now managed to cause me to pay a higher interest rate ; due to there imcompetentence. I was advised by XXXX XXXX at XXXX XXXX, rates will go up Thursday... They have locked in my rate for numerous weeks; emailed ; left messages with Suntrust to no avail!! Now rates are going up after having 3-4 weeks to give a definitive answer to the supposed home equity line. Please help me with this if possible ... .forgot to mention..I was told I did not have to make a XXXX mortgage payment ; now I '' m late on XXXX payment ... entire loan would have been paid last week of XXXX if Suntrust would have done there job Thank 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 2021-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, the Circuit Court for XXXX XXXX, FL, Probate Division, issued a court order ( Filing # XXXX ) ( File No. : XXXX XXXX ) for Truist Bank ( f.k.a. : Suntrust Bank ) to deliver certain safe deposit box contents of XXXX XXXX XXXX ( deceased ) to XXXX XXXX XXXX ( to be named personal administrator of the estate ). The safe deposit box contents are presently stored in the Truist Bank central vault somewhere in XXXX, FL. 

The court order was hand delivered to a local Truist branch in XXXX, FL, on XX/XX/XXXX. The same day, the Truist branch in XXXX, FL, e-mailed the court order to the XXXX XXXX where the central vault is located. I was told it would take several weeks for Truist to process the court order. 

As of XX/XX/XXXX, it has been 75 calendar days and the court order has not been complied with. This is unacceptable customer service and a wanton disregard of timely compliance with a court order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a credit card statement ( with an XXXX purchase ) for a card I never applied for - - an XXXX XXXX card from Macys. 
I never received any Macys American Express credit card, not even any notifications of any application or credit approval.

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 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Capital One Bank on XX/XX/2021. 
I spoke with with customer representative and told them I want to be removed from their email and mailing list. I told the customer representative I don't have an account and I don't want to have an account. I told the customer representative that that Capital One Bank is harassing me. I said they are sending me letters every two weeks ans they are emailing me constantly. The customer representative then asked me for my social security number. I told him no. I said I want to speak with your supervisor. I told the supervisor the same thing and informed him that the customer representative was asking for my social security number after I told him I want to be removed from the emailing and mailing list and that I don't have an account and I don't want an account. The supervisor told me he was checking to see if I had an account. I told the supervisor that's not what he said or did he even asked me if I had an account. The supervisor said he will transfer to their technical team. I told the technical person on the phone to stop sending me emails and mail that is asking me to join them. I told they sending me mail for about two months straight since the date of called every two weeks. I told in the letter they said they ran my credit and I quality for a loan. I told them I don't know how they got my information. I told them I haven't tried to get any loans so they shouldn't have my address or my email. I told them they keep emailing me and I asked them to stop. I was informed to do a removal of my information over the phone and I was asked do I have time now. I said yes. They said they did a removal but I am still getting mail. I am feeling harassed. I do not want to be apart of Capital One Bank. Can you please help to stop them for sending me mail and emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After being through a rigorous process with the SBA to get my funds released for almost 6 months. Capital decideds to frezze my account hold funds without explanation or time frame. 
{$450000.00} was deposited into my account XXXX and frozen XXXX. 
Going to window to make a withdrawal for payments for business expenses capital one gave no case number filing number and also stated there is no time frame or contact with such department. 
My business is q XXXX XXXX and operate from my social security which I am qualified to receive Deposit. 
Capital one need to release funds and stop causing such hardship. Which I'm especially bounced qch payments etc because I assumed the money was available to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
The company is reporting negatively on my credit report. The company didn't fully disclose information about this alleged debt upon signing which makes the contract null and void. I want the items removed off my credit report. I do not give my consent to this company to report on my credit report. I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stephen L. Bruce, P.C.
State: AR

Complaint narrative:
On XX/XX/2021 I receive a letter from Stephen Bruce and XXXX stating that they had a Writ of Garnishment against me. Stephen Bruce and XXXX have violated my protected rights as a consumer under 15 USC 1692. I have proof of these violations in the Displays I have attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP. ( ONEMAIN XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: OK

Complaint narrative:
On XXXX I was sent payment for " Goods and Services '' in the amount of {$1000.00} USD to my PayPal account in error. I was charged {$29.00} as a fee from PayPal for this transaction. I was not selling nor did I request payment for any good or service from this buyer. PayPal will not allow any dispute to be raised on their platform and directs you to their terms and conditions page regarding accepting payments for goods and services. 

This is not the first time I have been mistakenly sent money for goods and services and have paid fees for goods that were never for sale. 

XXXX Transaction in error fee paid : {$4.00} XXXX Transaction in error fee paid : {$6.00} XXXX Transaction in error fee paid : {$5.00} XXXX Transaction in error fee paid : {$6.00} XXXX Transaction in error fee paid : {$23.00} The only recourse is to not accept payments via PayPal which is crippling to a small business owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I bought a furniture from XXXX XXXX in XXXX XXXX for {$2200.00} and Synchrony bank provided a financing option which was 0 % promotional for 24 months. We were provided instructions by the bank on how to setup the payment etc and we followed that. The website showed an option of automatic payment and we selected the option without realizing that those automatic payments were not " equal payments '' but rather " minimum payments ''. The website didnt give an option for " equal payments '' which most of the other finance companies in this domain do. 

Fast forward XXXX we realize that the bank charged us {$1300.00} in XXXX after the end of 24 months period. And when we tried to get the explanation we were told that we were charged interest from day 1 because we missed to complete our payments of {$2200.00} in 24 months. They explained their business model which relies on such missed payments beyond the promotional period. 

We want to complain about this business practice of Synchrony bank. They are intentionally scamming uneducated people by not providing equal payment options on their website. Further, they are charging an interest from Day 1 even though most of the payment was made in the 24 months. Any financial bank charges interest on left over amount whereas Synchrony is intentionally charging from Day 1 just because they wrote in a small font size terms and conditions on the letter provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
The lender incorrectly has some of my charges and payments tagged as late. All my payments with the lender have been paid on time. I have asked the lender to correct this and have all charges and payment history marked as current in all places : including but not limited to lenders systems, statements posted for my download on lenders portal accessible by me, and all credit reports. This is not yet done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: MI

Complaint narrative:
I recently opened a brand new account with the company online. Had two large deposits, one being a direct deposit of {$500.00} and the second being {$1500.00} check from my place of employment. Since I am a new customer my check was held for 7 days which was fine to me. But they completely blocked my account from any withdrawal or use of my card. I cant even access my funds that I deposited myself. After talking to multiple customer reps and branch employees no one can tell me why I still cant access my funds even after my check has been cleared and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: AR

Complaint narrative:
On XX/XX/2021 I receive a letter from XXXX XXXX and Discover stating that they had a Writ of Garnishment against me. XXXX XXXX and Discover have violated my protected rights as a consumer under 15 USC 1692. I have proof of these violations in the Displays I have attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
My credit score went down XXXX points due to Nordstrom taking my credit limit down {$700.00} without any notice or reason. My initial credit amount was {$2000.00}. It is now {$1300.00}. I pay on my card monthly. My account is not past due. I was given no communication therefore this extremely effected my credit utilization without notice or reason. My account is not delinquent and is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I would like to state that I receive an adverse action letter from Capital One stating that they had denied me for a auto loan. I would like to state pursuant to 15 USC 1691 adverse action states that I can only be denied for employment or insurance. I would like to state that Capital One has violated me by denying my right to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I receive a letter from Chase Bank stating that they had denied me for a credit card due to adverse action. I would like to state that this is a violation because adverse action states that I can only be denied for employment or insurance. I can not be denied my right to credit pursuant to 15 USC 1691.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit 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 non-monetary relief
Consumer complaint received 2021-12-29 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: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit 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 non-monetary relief
Consumer complaint received 2021-12-29 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: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit 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 non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I recently sent Navy Federal Credit Union a certified notice letting them know that all my consumer reports are reporting a late payment for {$21.00} XX/XX/XXXX, and this is a violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ME ( XXXX XXXX XXXX and the person ( NAVY FEDERAL CREDIT UNION XXXX making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history between me and Navy Fed and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. I gave them 10 calendar days to delete the late payment and update my consumer report for XX/XX/XXXX as paid and positive. Based on the certified tracking Navy fed received my letter regarding this matter on XX/XX/XXXX. It is now XX/XX/XXXX and Navy Fed has not complied with the law found at 15 usc 1681a2 ( A ) ( i ) I have attached the Certified Return card, receipt when i mailed it out, the letter that was sent to the CEO XXXX XXXX of Navy Fed, and my Drivers license

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

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