vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
A wire transfer was sent to a suntrust/Truist account in my name on XX/XX/2021 and to be deposited the next day. It was in the amount of {$790.00}. Suntrust closed my account without acknowledgment to me. When I spoke with suntrust they stated that the money was supposed to be sent back toXX/XX/XXXXXXXX XXXX. XXXX states that no money has been returned and suntrust is solely responsible and should be the responsible party to issue me the money back, and even though my account was closed they still are the responsible party to issue the money back. All accounts have been checked and confirmed with XXXX  that no money has returned to them. When speaking with suntrust in the past month and a half I have been told I would get a cashiers check for the amount and that I could go to a branch location and receive the check. When I went to the bank I basically got the run around and then I was told that they are not responsible and I would not be getting any money returned to me.

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Hi I received two letters in the mail from different banks saying that they were unable to approve my request for a credit card. Someone has stolen my identity because I have not applied to any one of these companies for a credit card. 


XX/XX/2022 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
As a result of depositing {$75000.00}, my account was upgraded to Chase Sapphire Account in XX/XX/2019. And my saving account was linked to my sapphire account. After I withdrew the money I visited a local chase branch to make the needed changes so that I don't have to pay fines as a result of requested changes. But I have been charged {$20.00} for the past 18 months totaling {$360.00} which I became aware of very recently as my savings accounts were made paperless ( I did not request this ). I earned a total interest XXXX cents or so during the same period. So I closed the account caught unaware of these fees. I contacted XXXX XXXX of Chase Branch located at XXXX XXXX XXXX, XXXX, XXXX was told that my concern was escalated and I can expect to hear from between 7 to 10 days. It is almost 14 days and I have not heard from Chase. Trying to find why these charges were made by visiting or calling Chase has been a wild goose chase. I am afraid there are other in my similar situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17 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: AZ

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Personal Information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/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 2022-02-17 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$8700.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Please remove the account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I started attending the XXXX XXXX XXXXXXXX in XXXX of XXXX and took approximately XXXX credit hours of instruction towards my Bachelor 's ( Even though I had XXXX credits from previous universities ) and another XXXX credit hours of instruction towards my Masters of Information Systems degree/certificate. I pursued this education option with the expectation that upon completion I'd be able to make enough in salary to comfortably pay back the money borrowed for education. The costs of attending XXXX XXXX XXXXXXXX seemed reasonable but little did I know this loan would balloon in to over {$200000.00} debt and continues to go up even though I have been faithfully making payments on time since XXXX of XXXX. During this time my student loan payment amount has increased from {$530.00} to over {$770.00} a month and is due for another increase in XXXX weeks!!! This is more than I pay in mortgage payments. I was forced to file bankruptcy just to keep a roof over my head. I am filing this complaint as I have recently learned that XXXX XXXX XXXXXXXX and/or Navient loan servicing have been found to have participated in unfair lending practices with these for profit institutions of higher learning even though they never advertised the " for-profit '' portion of their services. My original loan amount of {$66000.00} now has a current balance of {$180000.00}!!! And the account shows another loan with a {$6300.00} original balance that now has a balance of {$13000.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: FL

Complaint narrative:
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by TransUnion Credit Bureau. I sent letters to TransUnion Credit Bureau dated XX/XX/XXXX. As I reviewed my updated credit report for TransUnion, the inaccurate information about my accounts is still on my reports. TransUnion Credit Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account XXXX XXXX XXXX XXXX ***** Opened Date XXXX XXXX, XXXX Balance {$0.00} XXXX ***** Opened Date XX/XX/XXXX Balance {$320.00} XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$1200.00} XXXX ***** Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$82.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$50.00} XXXX XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX  XXXX ) ***** Opened Date XX/XX/XXXX Balance {$50.00} ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 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: AZ

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : MTBANKES XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8700.00} XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Please remove the account :XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
On XXXX XXXX, XXXX I received notification that the following was written to my credit : CARRINGTON MORTGAGE SE has flagged your account as Loan Modification on XX/XX/XXXX. 

On XXXX XXXX, XXXX I called Carrington Mortgage who stated this was because my home was in a disaster area from XXXX, XXXX however I never took advantage of any of the benefits. Carrington Mortgage said it is my job to dispute this and ask to have it removed when they in fact this is a totally erroneous entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
hi im just making a follow-up on the dispute letter that I sent on XX/XX/2022. its been over a month no, I thought I would get a response from your company after 30 to 45 days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.

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 2022-02-17 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: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
i recently received my credit report and it indicated that my account with Chrysler was deliquent, i have never been deliquent and it stated the date of XXXX XXXX and the balance XXXX. I have a car i am financing with but that is the incorrect amount and i have never been late with the company. I contacted Chrysler and they do not show that amount or me ever being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: AZ

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION COMPLETELY FROM MY CREDIT REPORT : Personal Information PREVIOUS ADDRESS : XXXXXX/XX/XXXXDate Updated : XX/XX/2016

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 2022-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX, I fell victim to a scam through my university that cost me {$1000.00}. The scam was a job posting email for a remote position, and they told me that I would be provided materials for the job. They communicated with me through a University XXXX XXXX professors official email account and sent me a fraudulent check as reimbursement for the zelle payment that was supposed to be going to a sales rep for my supplies. I filed a police report and a fraud report with the FTC as well as a claim with my bank on XX/XX/XXXX. My bank, Bank of America, denied my claim and told me that they will not help me in any way because I am at fault. I thought they would protect me as a part of Regulation E, but they refused.

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 2022-02-17 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: The Best Service Co.,Inc
State: OR

Complaint narrative:
On XX/XX/2021 I settled my account in full with XXXX XXXX. This account is still showing a balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX / XXXX days late in XX/XX/2020 XXXX XXXX XXXX / XXXX days late in XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX of billing errors ( XXXX ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX  ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: AES/PHEAA
State: RI

Complaint narrative:
I submitted updated applications and certifications for both XXXX XXXX XXXX XXXX ( XXXX  ), as well as XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) under terms of new eligibility requirements introduced through the new " Limited XXXX  Waiver '' introduced by the Department of Education in XX/XX/XXXX. 

I submitted my updated applications and employment certifications in XX/XX/XXXX, verifying that I have been employed by approved XXXX XXXX XXXX nonprofit organizations for more than 10 years, ( from XXXX through the present, XX/XX/XXXX ) while making regular student loan payments, with some short periods of forbearance. 

In XX/XX/XXXX, my student loan servicer, FedLoan Servicing, informed me that my XXXX  and XXXX  forgiveness applications were denied because my total number of " qualifying '' payments did not total XXXX. However, my total number of eligible and ineligible payments is more than XXXX ; under the new terms of the XXXX XXXX XXXX, these payments should be approved as qualifying. They were rejected by FedLoan Servicing as " not qualifying '' because I had either 1 ) an " ineligible repayment plan, '' or 2 ) because my payment " was received outside the payment period window. '' The terms of the new XXXX XXXX XXXX state that all federal direct student loan payments -- regardless of the type of repayment plan -- are qualifying, with the approved employment certification. Late or incomplete payments are also eligible and should be approved as qualifying, with approved employment certification. 

Thus, under these expanded terms of the Limited XXXX  Waiver, my current total of " qualifying payments '' should be updated to well over XXXX -- to include all payments I made under a previously ineligible repayment plan and all those I submitted slightly late. My application for loan forgiveness was inaccurately denied under the expanded terms of XXXX XXXX. My qualifying payment count should be updated acccordingly, my XXXX application should be approved, and my loan should be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: WA

Complaint narrative:
To Whom it may concern, RE : XXXX XXXX Pursuant to XXXX XXXX XXXX  XXXX ( XXXX ) ( XXXX ) " the term consumer report does not include '' " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' by furnishing the below account you are in violation of the law. 


remove the Account : XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. Mental Anguish XXXX. Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ 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 non-monetary relief
Consumer complaint received 2022-02-17 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: FL

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: FL

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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