vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
* On XX/XX/2021, I applied online for a 1 ) BB & T Bright Banking Checking account and 2 ) a High Performance Money Market account. 
* As part of the application process, I was asked to provide an initial source of funding. I used an existing checking account from XXXX XXXX to provide funding. 
* After I submitted the application online, the initial funding was instantly taken from my checking account at XXXX. The specific amounts were {$100.00} to fund the checking account and {$200.00} to fund the money market account, for a total of {$300.00}. 
XXXX XXXX XX/XX/2021 ( the very next day ), BB & T sent a letter by mail informing me that my account ( s ) were closed and that within 10 business days they would either 1 ) mail a check with the funds in my account or 2 ) return the funds to the financial institution who originated the funding deposit ( s ).

* More than 25 business days have passed and I have not receive the initial funding back.

* I have contacted BB & T multiple times with no insightful response.

* It is outright fraudulent for BB & T to have withdrawn initial funding from another banking institution for an application that was de facto declined.

* It is also outright fraudulent not to follow up on their own legal correspondence which had promised to return the funds within 10 business days.

* Furthermore it is very problematic that BB & T has no actual customer service. Both the phone number on the back of the debit card, and the general phone number on BB & T 's web page are inaccessible without a special security PIN. This PIN is not automatically provided during the application, nor automatically mailed thereafter.

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 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
The company Sequium Asset Solutions , LLC out of XXXX, GA has been contacting me now for almost 30 days via telephone and via mail. I didn't authorize them to contact me without verifying the debt first. It is now becoming a harassment at this point and it needs to stop now. Also they have report to all 3 credit bureaus that I owe a debt to them without first validating the debt. I spoke to a today and advised I need this contacting to stop now and remove the negative information from my credit report. 

They stated to me that they wouldn't stop. They say that I owe {$72.00} to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
On XX/XX/2018 a derogatory mark was added on my credit report per XXXX XXXX from Carter Young Inc. and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Purchased a used vehicle and financed through Credit Acceptance. In 2016 the vehicle was flooded in Hurricane Harvey. The vehicle was towed out of the water after sitting in the water a whole day. It was sent to XXXX XXXX XXXX for inspection. They pulled the wet carpet out the vehicle and broke it down for inspection. It took my insurance company 6 months to finally get to the car and they denied it stating that there was no sign of water in the car. Well if a car sits out 6 months I'm sure that is plenty of time for it to dry. From all the water lines and mold in the vehicle there was no way I was letting it go. I filed an appeal and that took months. When we went finally to chexk on the car it was gone and XXXX XXXX XXXX could not explain nor could Credit Acceptance tell me where the car was. I have tried to resolve this matter and they have yet to respond or communicate anything concerning the vehicle. I don't know if it has been sold, crushed, sent to auction or just plain destroyed. Statue of limitations and far exceeded their ability to collect and they still have this on my credit when they know the car was flooded and I have not seen it since it was picked up.

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 2021-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had an unauthorized transaction on my card from Bank of America. But, they don't even want to open a case to figure it out. They reissued the card and say good bye. The police told me that in this case the main thing so that the bank would start the investigation ... ..

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 2021-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I am asking for your help again in resolving a payment dispute that I have with my mortgage lender Chase ( XXXX XXXX XXXX, XXXX XXXX, LA XXXX ). The date and amounts paid are not disputed by Chase, to the best of my knowledge. 

The background to this ordeal is a couple of payments that were misplaced when my loan was transferred from the original lender to Chase, and a lengthy journey I had to make with Chase in order to find them. 

Over the life of the loan I have made multiple prepayments ( that is, a payment that is bigger than the monthly due payment ), which Chase chose to credit to the loan in arbitrary ways. One payment was credited as a regular payment with additional principal reduction, another was credited as one regular payment and XXXX installations of principal reduction, and one payment was broken into two regular payments, with additional principal reduction. I am providing this information as a background to the chaotic accounting of the loan which prevented me from fully tracking its condition. 

The series of payments that I am disputing occurred in XXXX and XXXX of XXXX. 
I have made the following payments : XX/XX/XXXX : A payment of {$4800.00} XX/XX/XXXX : A payment of {$60000.00} XX/XX/XXXX : A payment of {$4800.00} Chase chose to treat the XX/XX/XXXX payment as a regular payment, but broke the next payment of {$60000.00} into a regular payment and an installment of principal reduction, and then treated the XX/XX/XXXX payment as principal reduction only. 

When I noticed the error I contacted Chase. I spoke on the phone with a representative on two separate occasions and explained that when Chase chose to apply a payment in such a manner, it affected the loan because it allowed the bank to charge me an interest over money that I did not owe. This representative promised twice to correctly apply the payments as required, but failed to do so. When I called again and inquired about it, that same representative explained to me that I failed to designate the payment, and therefore Chase reversed the payment from XX/XX/XXXX, and chose to apply it instead in XXXX or XXXX of XXXX. My attempts to reverse that decision or speak to a more senior member of the bank failed. 

I will state again, even though it should be obvious, that the bank does not have the right to hold on to my payment on one hand, and charge me interest on my loan on the other hand, as if no payment has been made. 

I believe that the bank has unfairly charged me an amount of $ XXXX {$44.00} using this accounting method.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ive been banking with them for a minute, I tried to deposit money from my other account via check and they closed my account?? I thought that was a normal thing normally I would XXXX the money over but it was too much ... the man I spoke to sounded XXXX like man is it hard to be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Purchased a used vehicle and financed through XXXX XXXX. In XXXX the vehicle was flooded in Hurricane Harvey. The vehicle was towed out of the water after sitting in the water a whole day. It was sent to XXXX XXXX XXXX for inspection. They pulled the wet carpet out the vehicle and broke it down for inspection. It took my insurance company 6 months to finally get to the car and they denied it stating that there was no sign of water in the car. Well if a car sits out 6 months I'm sure that is plenty of time for it to dry. From all the water lines and mold in the vehicle there was no way I was letting it go. I filed an appeal and that took months. When we went finally to chexk on the car it was gone and XXXX XXXX XXXX could not explain nor could XXXX XXXX tell me where the car was. I have tried to resolve this matter and they have yet to respond or communicate anything concerning the vehicle. I don't know if it has been sold, crushed, sent to auction or just plain destroyed. Statue of limitations and far exceeded their ability to collect and they still have this on my credit when they know the car was flooded and I have not seen it since it was picked up.

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 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Purchased a used vehicle and financed through XXXX XXXX. In XXXX the vehicle was flooded in Hurricane Harvey. The vehicle was towed out of the water after sitting in the water a whole day. It was sent to XXXX XXXX XXXX for inspection. They pulled the wet carpet out the vehicle and broke it down for inspection. It took my insurance company 6 months to finally get to the car and they denied it stating that there was no sign of water in the car. Well if a car sits out 6 months I'm sure that is plenty of time for it to dry. From all the water lines and mold in the vehicle there was no way I was letting it go. I filed an appeal and that took months. When we went finally to chexk on the car it was gone and XXXX XXXX XXXX could not explain nor could XXXX XXXX tell me where the car was. I have tried to resolve this matter and they have yet to respond or communicate anything concerning the vehicle. I don't know if it has been sold, crushed, sent to auction or just plain destroyed. Statue of limitations and far exceeded their ability to collect and they still have this on my credit when they know the car was flooded and I have not seen it since it was picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Purchased a used vehicle and financed through XXXX XXXX. In XXXX the vehicle was flooded in Hurricane Harvey. The vehicle was towed out of the water after sitting in the water a whole day. It was sent to XXXX XXXX XXXX for inspection. They pulled the wet carpet out the vehicle and broke it down for inspection. It took my insurance company 6 months to finally get to the car and they denied it stating that there was no sign of water in the car. Well if a car sits out 6 months I'm sure that is plenty of time for it to dry. From all the water lines and mold in the vehicle there was no way I was letting it go. I filed an appeal and that took months. When we went finally to chexk on the car it was gone and XXXX XXXX XXXX could not explain nor could XXXX XXXX tell me where the car was. I have tried to resolve this matter and they have yet to respond or communicate anything concerning the vehicle. I don't know if it has been sold, crushed, sent to auction or just plain destroyed. Statue of limitations and far exceeded their ability to collect and they still have this on my credit when they know the car was flooded and I have not seen it since it was picked up.

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 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
I mailed my XX/XX/2019 credit card payment to U.S. Bank in a timely manner. The following month I saw that my account had not been credited for the mailed payment. I contacted the company and explained what happened. I was told that the XX/XX/2019 would not show up as a missed payment on my credit reports. Months later I reviewed my credit reports and saw that there was a late pay on my report. I contacted both the 3 credit bureaus and the company in an effort to get the late payment removed from my credit report but with success.

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 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: AK

Complaint narrative:
In XXXX of 2020 I contacted Ally and informed them that I was in quarantine due to COVID and recently moving to Alaska. I paid the amount due as soon as I was able to get to access to the my banking accounts on the internet. Ally told me they understood and then reported the loan late to XXXX 30 days. 

In XXXX of 2020 I actually contracted XXXX and was sick for nearly 90 days. I again contacted Ally and they stated it would be taken care of ... both XXXX and any result in XXXX or XXXX. Then they reported to XXXX  60 days late in XXXX. To XXXX Ally reported the loan 30 days late in XXXX, conflicting reports. 

I have mailed through the postal system correspondence supporting my claim. However, I have not received a response. I have attempted to email and send correspondence in this format. Their website blocks attachments and when I call them each time the customer service agent tells me I have to mail in my complaint.

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 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has not responded to any of my disputes Letters sent XX/XX/XXXX Certified Received XXXX XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Sent regular Mail XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Certified Received XX/XX/XXXX Inaccurate Accounts listed are XXXX  -inaccurate and unverified XXXX-inaccurate and unverified XXXX XXXX-inaccurate and unverified Letters sent XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Certified Received XX/XX/XXXX, XX/XX/XXXX Certified Received XX/XX/XXXX Inaccurate Accounts listed are Chapter XXXX Bankruptcy -inaccurate and unverified XXXX XXXX -inaccurate and unverified Response from TransUnion is just a single page saying the are investigating On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and a form that I have filled out and returned on many different occasion with current driver 's license, copy of social security card and a bank statement. 

I have already filed 2 CFPB complaints as well XX/XX/XXXX # XXXX and XX/XX/XXXX # XXXX I have also contact the state attorney general office of Florida. This is completely unacceptable in completely ignoring my disputes they do not even have the right address on file

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 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
In XXXX of XXXX I contacted XXXX and informed them that I was in quarantine due to COVID and recently moving to Alaska. I paid the amount due as soon as I was able to get to access to the my banking accounts on the internet. XXXX told me they understood and then reported the loan late to XXXX 30 days. 

In XXXX of XXXX I actually contracted XXXX and was sick for nearly 90 days. I again contacted XXXX and they stated it would be taken care of ... both XXXX and any result in XXXX or XXXX. Then they reported to Equifax 60 days late in XXXX. To XXXX  XXXX reported the loan 30 days late in XXXX, conflicting reports. 

I have mailed through the postal system correspondence supporting my claim. However, I have not received a response. I have attempted to email and send correspondence in this format. Their website blocks attachments and when I call them each time the customer service agent tells me I have to mail in my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
In XXXX of XXXX I contacted XXXX and informed them that I was in quarantine due to COVID and recently moving to Alaska. I paid the amount due as soon as I was able to get to access to the my banking accounts on the internet. XXXX told me they understood and then reported the loan late to Experian 30 days. 

In XXXX of XXXX I actually contracted XXXX and was sick for nearly 90 days. I again contacted XXXX and they stated it would be taken care of ... both XXXX and any result in XXXX or XXXX. Then they reported to XXXX 60 days late in XXXX. To Experian XXXX reported the loan 30 days late in XXXX, conflicting reports. 

I have mailed through the postal system correspondence supporting my claim. However, I have not received a response. I have attempted to email and send correspondence in this format. Their website blocks attachments and when I call them each time the customer service agent tells me I have to mail in my complaint.

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 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 XXXX XXXX, Credit Management LP, XXXX XXXX  and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief