vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 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: SC

Complaint narrative:
Although the XXXX credit card is accurate on my report, It has been on there for XXXX  years this past XXXX and should be removed now. And XXXX has been XXXX  years this month

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 2022-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
In XXXX we received a mortgage from VyStar Credit Union. Our house was around {$270000.00}. When we went back to the credit union to discuss refinancing our loan in XXXX for extra money to add an enclosure to our house we were told that if the loan they had put together for us was not signed then they would consider foreclosing on our home. We were terrified that they threatened us with this, so we felt in order to save our home that we had to sign, we had no choice. They gave us no choice for anything else. Our interest rate changed from 4.5 % to 4 % but later we found out that the loan was not for XXXX  years but for XXXX  years. The payments were only {$330.00} lower a month. I feel that this tactic that they used on us was illegal and without merit. After paying on our house since XXXX, 19 years, we still owe {$280000.00} on the mortgage. My statements still state that I have a XXXX fixed loan, not anything more than that. 
I want them to explain why they chose to go to such extreme measures to secure a loan. It was in their best interest, not ours. 
Please advise,

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 2022-11-04 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Third time I have submitted dispute with Equifax for incorrect information on paid balances. All collections were paid XX/XX/2022 at time of closing of real estate. XXXX XXXX has already corrected XXXX of the XXXX issues. Equifax has incorrectly identified me as XXXX XXXX. Equifax is refusing to accept downloads for documentation. Equifax has a XXXX balance posted on a paid collection account. Equifax is unfairly and purposely engaged in targeted harassment against me. The average point increase for payment of collections is an average of XXXX points increase per paid collections according to the webpage in writing. Equifax has increased my score by XXXX points for paying XXXX accounts in full. Equifax is currently engaged in targeted harassment and unfair business practices directed at me. The closing of property is public records. Title company is not going to allow me to sell property without paying all collections at time of close. Equifax is purple not changing my score in spite of payment. Erroneous and inaccurate information is my entire account with Equifax. Equifax is no longer accepting any documentation from me via them dispute website. I believe that this is targeted discrimination in response of me questioning against the inaccuracies of their business

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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:
in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX : XXXX, XXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I have had an account with XXXX furniture TD bank for roughly 5 years. In that time Ive paid off and paid down purchases consistently. Last month, there was a discrepancy for XXXX payment. For some reason the regular payment took longer than normal to go through and ultimately did not. Since Id switched personal banks I looked into it and got payment resubmitted the next day. I also called XXXX to explain what happened. I was told Id be charged a {$25.00} fee which given my stellar history would be waved. I was not told my credit limit would be lowered by {$4000.00} to the amount I owed. I was also charged over {$100.00} of additional fees which took my over that limit. Again, no warning. I did receive a letter from the company saying please be advised if XXXX consecutive payments are returned, your account may be subject to charge-off. Thats it. I learned from the Fair Credit act If a card issuer decreases your credit limit, the card issuer can not charge you over-the-limit fees or a penalty rate for exceeding your new, lower credit limit, until 45 days after it has given you notice of the decreased credit limit. A card issuer can not charge you over-the-limit fees if it didnt give you notice of the decreased credit limit and if you havent opted into the payment of over-the-limit transactions. 

What happened to me is a violation. I need XXXX  and TD bank to be held accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Professional Recovery Management
State: FL

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2022 around midday. I initiated a XXXX wire from my personal checking account to my settlement company for the closing on my house. 

On XX/XX/2022 in the evening around XXXX XXXX  XXXX  I notice a temp hold on the wire so I call and ask what is going. They tell me the fraud department needs to talk to me to do verification. They dont open until the XXXX XXXX  the next day On XX/XX/2022 at XXXX XXXX  I initiate a chat online with citi XXXX well as calling them. On the chat I am told the wire is processing and should be complete within the 24 hours. 
On the call I am told the wire is still pending by a department that does not take calls and they can not give me any more information. 

I call again immediately after just to spin the roulette wheel of people and the same information is given. Basically they have no information. Money is in a XXXX hold and just wait for the bank to call. This doesn't help me for a closing in XXXX hours. 

This is not normal behavior for any banking transaction I have ever made.

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 2022-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.

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 2022-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XXXX, I and my wife consolidated our federal student loans together. Over the years various companies managed our consolidated loans. 

We currently have Navient as our provider. 

Navient keeps lowering my monthly payments, ( once by {$130.00} USD / XX/XX/XXXX ), without our authorization. I've requested them not to change our monthly payment amount and they lowered the amount again and are refusing to keep my monthly payment the same. 

Navient changed, ( XX/XX/XXXX ), our monthly payment and increased the length of the loan and interest amounts. 

Navient has refused to send me an amortization table for my loan. I feel that Navient is purposefully extending out student loans to maximize their profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA
State: AZ

Complaint narrative:
Mohela will not count my last payment on my federal loan forgiveness for Public service and release my debt. It affects my credit score, and they have made it impossible to complain. I have proven that I qualify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 Capital One Bank froze my personal checking account with the amount of {$110000.00}. They stated that this was due to wire fraud, I sent 3 wires totalling around {$50000.00} to 2 domestic companies for products being bought. Capital One Bank stated that I could do business transactions on a personal checking account which I was not aware of. Before this issue took place I didn't try to open a business account online and at a Capital One Cafe which I couldn't do at neither place since I am in California and no branches are around. Since day 1 I have been very transparent with them providing contact information of incoming and outgoing wires so they can verify that no fraud was being done here. It has been over a month now and I still have no resolution even though I call on a daily basis trying to plead my case and push for them to contact the companies for wire verification. Not only have their employees been rude mainly their XXXX XXXX XXXX which the only place that would take my calls because when I would call a XXXX office I would get sent straight to a voice mail as soon as the agent heard it was me, totally unprofessional and very frustrating. Capital One froze literally all my assets right before the first of the month for what I believe is totally unfair, I have had to borrow money to pay my mortgage, bills, food, clothes for my kids etc. Today is XX/XX/XXXX and mortgage and bills are due again and still no resolution from Capital One Bank, I have no one to lend me money no more to pay my bills this month and will soon have late fees on everything and this will for sure now impact my credit score. Capital One Bank is by far the worst bank in history I have ever dealt with including their employees, I can't believe this is happening to me, I've heard of horror stories that were hard to believe but now I am living the worst. Please someone help me get my funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
The XXXX of XXXX I paid my last American Express loan installment payment for {$360.00}. The first business day the XXXX of XXXX, I learned that my checking account was overdrawn, I checked my XXXX XXXX  XXXX checking account and learned that America Express withdraw {$360.00} twice both withdrawals had the same payment ID ( XXXX ) and CO ID XXXX Web. American stole {$360.00} from my account. I called American Express Personal loans and reported the issue and requested my money back, the customer service associate informed me that many customers that paid online the weekend of XX/XX/XXXX, there were duplicate withdrawals and that they were working on the issue, to return the duplicate withdrawal. I called American Express back later, because the {$360.00} hasnt been returned yet, another American Express Personal loan associate I had to work with my bank, which is XXXX XXXX  XXXX and file a complaint with them to have the duplicate amount of {$360.00}, returned to my account. XXXX XXXX XXXX was able to get the money stolen from me, now American Express Personal loans says that I need to pay {$360.00}, which I already paid off and should have a XXXX balance. American Express needs to fix my loan to have XXXX XXXX and any Bad credit reporting that they may have caused me. help me resolve this. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 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: MA

Complaint narrative:
On XX/XX/2022 before my loan was taken over by XXXX, I made a payment of {$24000.00} to Fedloan Servicing. This payment cleared my XXXX checking account on XX/XX/2022 and was not applied to my loan prior to my account being sent to XXXX. I have spoken to Fedloan Servicing on numerous occasions, including their service recovery team ( XXXX ID # XXXX and XXXX ID # XXXX ) and was told numerous times it would take 30 days from XX/XX/XXXX for the payment to clear and be sent to XXXX. My last conversation with XXXX on XX/XX/2022, 60 days since my payment, I was told the payment had cleared already and XXXX should have applied it. XXXX has not received this payment and Fedloan is going out of business come XX/XX/2022 with my nearly $ XXXX magically still missing. This is a lot of money to be in limbo/missing, especially for an XXXX XXXX Military Family and I request you immediately contact Fedloan and XXXX to have my $ XXXX payment refunded to me or added to my XXXX account. I have proof of payment from my checking account ( see XX/XX/XXXX ), the final billing statement from Fedloan on XX/XX/2022, and the most current billing statement from XXXX for XXXX. These documents show what the balance was prior to my payment on XX/XX/XXXX, when my payment was posted on XX/XX/XXXX and the current balance is with XXXX. Please reach out to me via email or phone below to send you any documentation or for additional information. Your help in this matter is greatly appreciated as Fedloan has been very shady during this entire time, XXXX is absolutely no help and doesn't return my calls or messages, and the last thing I want to do is involve a lawyer and my congressional members. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Madam or Sir, I am writing to you because the attitude of the XXXX bank WELLS FARGO is unacceptable. 

Foreign customer of this bank for 10 years and owning a property in XXXX XXXX, Florida my XXXX Checking and savings accounts were closed by the bank on XXXX XXXX and XXXX XX/XX/2022. 
I do not dispute the closures of accounts of new regulations in the XXXX however after 2 months I have still not received from the Bank the cheques corresponding to the amounts I had on these 2 accounts/ checking account + XXXX USD and Saving XXXX USD I call every week customer service either no answer or no answer to my questions. 
I sent complaints through the message center on Wells Fargo website, I received responses but no information about my money and when I suppose to return back the money yet while in the XXXX in XX/XX/2022 I went to my agency and we contacted the service concerned by phone that said that a check had to be sent to me by XXXX  within 15 days. 
It is impossible to reach by telephone the Exception Payments Dpt at the number gave by the customer service XXXX XXXX XXXXXXXX XXXX months after nothing, it is unacceptable that a bank does not give its money to a customer please tell me what procedure to put in place to recover my money. 

Cordially

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 2022-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I sent a letter in to CNAC headquarters rescinding the contract between us and it appears as though they do not want to comply with the law regarding the consumers right to rescind the contract based on them not informing me of my rights when I originally signed for a XXXX XXXX  through a branch office located at XXXX XXXX XXXX on XX/XX/XXXX. I have since paid over XXXX dollars XXXX of which went to replace the throttle on a vehicle which the engine light stays on continually.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Mortgage transfer from XXXX  XXXX  to Truist, have tried to get a draft set up and have sent in the form, called NUMEROUS times, I made a paymeny on XX/XX/22 when I saw that XXXX  reversed since they turned it over to Truist, I sent in the form and called and was assured draft was set up but now they are taking out Double saying I told them to which is not the case, I can not get a supervisor to contact me to handle this issue, there are numerous notes in the account. I also have another account with Truist and have for couple of years. I filed a complaint with Truist # XXXX, I asked to have a supervisor call me back to get this straightened out, I worked with more than one individual to do it online and due to being a new acct / Transfer it is not allowing and I do not want to get a late payment with any lender. 

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 non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am workinging with a lender on XXXX t nightI applied for a loan. By XXXX am XXXX I began receiving calls and texts from other lenders. I received XXXX calls and XXXX texts in one day. When I asked how they received my information they all said fro. trans union. 
I never had to sign up to use trans union it is an automatic punishment for needing credit in this world. I only have access to my own credit report once a year, I can't even get an accurate credit number. yet somehow they have a right to sell.my personal.information to anyone. if I could fire them I would but again I have no choice. This in itself is some sort of fraud but to then sell my information. They should be dismantled.

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 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I received a letter in the mail stating that my PayPal account was overdue. On XX/XX/2022 I called the phone number provided in the mail. I was told to purchase gift cards in the total amount of XXXX. Part of it was in XXXX grocery store and part of it was in XXXX quick store. I did as instructed and read all the numbers off the gift card to the man on the phone. As a result the total amount was charged to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Account are closed due to fraud and unable to open new account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation