vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: VA

Complaint narrative:
In XXXX, I opened a XXXX XXXX secured credit card with a deposit of {$200.00} that I put down towards my credit line. In XXXX of XXXX, I paid off my balance in full and requested my security deposit back in writing. When I contacted the company in XXXX, they lied about not having received my account closure request, which was sent in the same envelope as my final payment. I still have not received the money and would like my deposit back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius Global is a 3rd party debt collector who has infringed on my right to privacy as of XX/XX/21 they have manipulated my credit score to fall 26 points, i am requesting for them to produce a contract between me and them that gives them grounds to collect a debt from me. Due to them being a 3rd party debt collector they wont have anything in writing from me, that I know for sure. So I am requesting DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation to pay 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 2021-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: GA

Complaint narrative:
Bought vehicle in XX/XX/XXXX. Received tag in late XXXX due to delay in title and registration per their website and COVID. Monthly payments made each month to XXXX in the amount of {$620.00}. Total paid to date on XX/XX/XXXX is {$3100.00}. On morning of XX/XX/XXXX tow truck showed up and repossessed vehicle per orders of XXXX from what driver said. Called XXXX who is lien holder who stated that acct was current and was done per Carvana. Contacted Carvana personnel on multiple occasions in two day period. Had to demand to speak to management for explanation of how a car could be repod almost 7 months after buying when all payments had been paid. Told I broke my contract because my initial deposit of {$300.00} had not cleared my bank on delivery. Said they had called me on numerous occasions. Asked if they had sent me any correspondence via mail or email and told they are a digital company and dont have to. I asked numerous times what my options were and they said there was no option and car was gone. It would be assessed and pending inspection and less fees that I would be given a portion of my money back. Told unacceptable by me and spoke to a legal representative on my own. Called back on XX/XX/XXXX by XXXX, pmt resolution specialist with Carvana and given option of letting them keep vehicle and pending inspection may get some funds back. She did not elaborate on iTold by personnel it may take up to 90 days to finish this process and I asked if I I was going to be responsible for loan in meantime. They stated they would back it off my credit but, became vague when I questioned what about any upcoming payments being due and they referred back to XXXX. They are both affiliated together and different personnel will tell you different things about their relationships between the two. 2nd option was pay the {$300.00} plus a redemption fee of {$400.00}. Also very vague when asked if I would be charged storage and towing fees as well. Now awaiting a request to XXXX to further specify the details in Option 1 and be more Explanatory regarding credit and repo. The worst company ever. Most unprofessional, scamming company and obviously preys on individuals with less than perfect credit. Unethical and immoral practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX opened up savings account at suntrust now truest, XXXX to be exact. Was surprised it cleared by the next morning. So at that time I decided to open a checking account online myself sat XX/XX/XXXX. So write away it approved me and I transferred XXXX $ from savings to fund it. So I get to the bank Tuesday morning early at XXXX to order a debit card, thats when things got weird after giving them my id to verify me they couldnt find anything. Then she abruptly stood up said I have to speak to the manager ok I said 5 min she came back and started asking if I had another license implied that I opened the account with different info I answered no off course not. So after two hours answering some questions and resubmitted my info I sign the signature card for my checking account and finished. Same day for no reason explained and no warning they froze my accounts all I could get was a negative report from another financial company. So after numerous conversations and lengthy talks Ive gotten contradicting info from one person to the other and not nothing was outlined in there rules and. Regulations except they can close account at anytime without notice. What Im asking is why they dont have the procedure for closing an account and why is there a department called research and fraud doing a review when fraudulent activity was not even reason for the hold, its due to negative remarks from another bank. Which if thats the case then how did I get approved from the start. Shady banking they allowed me to bank for four days then basically criminalize my actions and play like Im under investigation and dont give me reason or timeframe on when I get my money. Please I need help Im not the only one hundreds of people have exactly same problem with suntrust or truest 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 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal has notified me that an item that has been on XXXX for over 3 years finally sold. 

Now paypal will not allow access to my account ( which I have not used in over 3 years ) I want my XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ), a credit company that I have had an account with in good standing with since XXXX, recently ( XX/XX/XXXX ) reduced my available credit by almost 50 % without notice to me, and apparently based its determination on its unauthorized review of one of three credit reports, despite that all reports for me indicate, that as I have with XXXX, I have paid all credit bills timely and sufficiently. 

More alarmingly, it reduced my available credit after I made a large payment toward the bill ( from XXXX to XXXX ). This is a predatory practice that I imagine they are implementing broadly at this time. It needs to be reviewed immediately. The pure lack of notice is enough to suggest the predatory illegal nature of its actions. When I spoke with the company today (XX/XX/XXXX ), they explained to me that they accessed one of my credit reports, and due to my high use of credit available ratio, they unilaterally reduced my credit as soon as I paid 1/2 of my bill off. This is going to go down with the predatory loans made for mortgages if it's allowed to continue. Notice.

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 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I requested to cancel flights that I booked through Chase Sapphire Rewards using points. The XXXX flight was going from XXXX to XXXX, XXXX on XX/XX/XXXX and returning XX/XX/XXXX. The flight was booked as two separate flights instead of one roundtrip, so XXXX cost {$120.00} or 8,382 points, and XXXX cost {$110.00} or 7,428 points. 

The travel agent on XX/XX/XXXX only canceled one leg of the flight, despite my request to cancel the entire trip. Because the Chase travel agent did not cancel the second leg, I was marked as a " no show ''. More background is that during this entire time, leisure travel between the US and XXXX is prohibited, so it was not possible for me to take this vacation. 

Previously, XXXX 's policy was to issue travel credit for unused tickets, which I had one of ( the non-no show leg ). As of today, XX/XX/XXXX, they are now issuing full refunds for flights. I was informed by XXXX that I had to go through Chase to get my refund. I got the refunded points credited to my account for the first flight but not the second. I find this extremely unfair, given that I had very clearly asked that my entire trip be canceled, and the agent failed to cancel both flights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Aspire credit card is calling me before XXXX XXXX and being hyper aggressive when they speak to me. I have made arrangements already and they call over 5 times ever day. I ask them to stop and I have to study for school and sleep during the day. I can not sleep. Please they will not leave me alone. Also the person on the phone said they will keep calling and never stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: AR

Complaint narrative:
I disputed inaccurate accounts on my Experian for Student loans, and other closed accounts on my Experian consumer report. I stated that my student loan balances for XXXX  were different from the balances that were reported on my Experian. 

They were for the account XXXX with a balance of {$4400.00} on XX/XX/2020 is different from the balance reported at XXXX which is {$4400.00}. The account XXXX with a balance of {$7700.00} on XX/XX/2020 is different from the XXXX balance of {$7600.00}. The account XXXX balance reported on XX/XX/2020 {$6000.00} is not the same as XXXX which is reported as {$6800.00}. 

For the accounts XXXX which report with the balance of {$940.00}, {$3100.00}, {$1500.00}, {$6800.00}, {$6000.00}, {$4600.00}, {$6200.00}, {$11000.00}, {$2000.00}, {$1200.00}, {$390.00}, {$2800.00}, {$1500.00}, {$6000.00}, {$890.00}, and {$24000.00} which were all reported on XX/XX/2020 are not the same as the balance reported on XXXX which are {$950.00}, {$3100.00}, {$1500.00}, {$6800.00}, {$6000.00}, {$4500.00}, {$6200.00}, {$11000.00}, {$2000.00}, {$1200.00}, {$390.00}, {$2800.00}, {$1500.00}, {$6000.00}, {$890.00}, {$24000.00}. 

For the accounts XXXX reported on XX/XX/2020 with a balance of {$11000.00} which is different from what is reported on XXXX which has a balance of {$11000.00}. The account XXXX on XX/XX/2020 has a balance of {$2100.00} but us reported on XXXX with a balance of {$2100.00}. 

I ask them to delete these inaccurate accounts off my consumer report. 

I also told Experian that these inaccurate that were on my XXXX Consumer Report. Also, were on my Experian consumer report and I ask them to delete these inaccurate accounts off of my credit report. I stated that some of these accounts are also being reported on my Experian. These accounts are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and I also have multiple accounts that have been deleted for DEPT OF EDUCATION XXXX. These inaccurate accounts need to be deleted. 

I also notify Experian about 15 U.S Code 1681b-Permissible purposes of consumer reports : which I told them that this law states that : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I told them I never gave them consent to report anything on my consumer report. 

Experian will not delete this inaccurate information off my credit report. They instead continue to update these inaccurate accounts on my consumer 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 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have issues with my file there are some addresses on my file that do not belong to me. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I need the following addresses deleted removed : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXXOH, XXXX, XXXX. XXXX XXXX XXXXOH, XXXX, XXXX XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OH,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have issues with my file there are some addresses on my file that do not belong to me. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I need the following addresses deleted removed : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXXOH, XXXX, XXXX. XXXX XXXX XXXXOH, XXXX, XXXX XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX XXXXXXXX OH,XXXX XXXX XXXX XXXX XXXX OH,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 2021-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hey its been 6 months to a year and I have not gotten any updates or responses regarding these fraudulent accounts. I know my rights! And by law after 30 days with no proof of verification of items you must remove them. So can you please remove them its been long overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: NJ

Complaint narrative:
I filed a dispute with Experian ( Report # XXXX ) on two separate occasions the last one being on XX/XX/2021 regarding erroneous information being reported on my credit report by the creditor XXXX XXXX XXXX. This creditor erroneously was reporting that my account was in collections and past due when in fact both myself and the creditor entered into a settlement agreement filed with the court resolving the matter and paying off the creditor. I notified Experian as well as the creditor XXXX XXXX XXXX ( Account XXXX ) to remove this information and they refuse to do so in spite of the fact that I even provided supporting documentation that the matter wasn't in collections and the account was settled and paid.

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 2021-04-16 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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:
XX/XX/14-I was in the grocery store and when I checked out my card was declined. Shocked because I knew over {$2000.00} was in my account. I tried to withdraw cash and I couldnt. Got a message saying card is restricted. 
I proceeded to go to Citibank on XXXX where I do my banking. They said they saw nothing wrong with my account and it should not be frozen. They said they couldnt unblock it in the branch without calling Citibank customer service which we did. They said they couldnt unblock it either. Long story short, I called every dept I could, over 10 calls and NO ONE will tell me why my account is frozen. 

XX/XX/15 I tweeted for help, emailed executives and nothing. I have no access to my MY MONEY and this is my business account. A client was told my account is frozen. This is unacceptable! I cant even buy food, pay bills, employees, etc. Its one thing to freeze an account, its another not to tell me why! 

Enough said.

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 2021-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I the consumer noticed information that I did not consent to, authorize nor benefit from on my consumer report with TRANSUNIONXXXX XXXX. No consent is identity theft. On XX/XX/XXXX, I called TRANSUNION/XXXX  XXXX and spoke with XXXX XXXX and told the agent that the inquiries being reported on my consumer report is identity theft and I did not give consent to, authorize nor benefit from. I told him that I have mailed them a Identity theft report, an Identity theft affidavit, copies of the law and a letter with my written instructions to remove and block the inaccurate information from my consumer report. He then told me he was unable to remove the information because they stay on my file for 2 years. I told the agent that according to the FCRA 15 USC 1681b ( a ) ( 2 ) consumer credit agencies are to provide a consumer credit report by the written instructions of the consumer to whom it relates. I told the agent that I have a right to privacy and did not benefit nor consent to these credit inquiries. I also told the agent under the FCRA 15 USC 1681 ( a ) ( 4 ) that they have a grave responsibility to be fair, impartial and respect my right to privacy. I also told the agent identity theft under the FCRA 15 USC 1681c-2 that information being reported from identity theft must be removed and blocked from my consumer report. The agent then proceeded to explain that he could not delete the information and can do a dispute. I told the agent that this is my reputation, my character and credit standing that this is bearing on and the agent stated that he would have to open a dispute with for an investigation. I explained that they are the one who is committing identity theft and they are not the middle man but they are responsible and I the consumer have the right to privacy. He said there was nothing that he could do. I explained that I will be filing a CFPB report and he then tried to tell me what not to say in my report however I told him that TRANSUNIONXXXX XXXX is breaking the law and they are liable for all damages and he is contributing to the damage by not removing the inaccurate information being reported on my consumer report. I mailed out all documents certified with return receipt. TRANSUNION has received the documents and I have attached all documents including the signed return receipt showing they received the documents on XX/XX/2021.

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 2021-04-16 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION

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