vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened a checking account with Truist who currently holds my mortgage and now I have no online access to my mortgage account. I can only see my checking account information. 

On XX/XX/2022 I went to the Truist branch located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX I spoke with XXXX XXXX and we discuss products and applying for them. Later that day I went into the branch and told him I dont have access to my mortgage account online and he gave me his business card and told me he would follow up with me later that day. I did not hear from him so I emailed him at XXXX on XX/XX/2022 I called the branch several times and at the end of the business day I received a very vague email telling me he would monitor and keep me posted. 

He asked me to email my social security card because the social security number in the system was not the same and I explained to him that I had no issues accessing the app or the website prior to coming into the branch. He gave another vague excuse about the merger and integrated the systems. He said he would get it corrected with in two business days. 

I called the customer service number and was bounced around from department to department and the mortgage department said everything is showing up correct and they need to get me over to the online support team and the online support team told me the same thing that branch said about my social security number being incorrected. Wait times when calling the customer service number were over 4 hours at times and getting nowhere. 

On XX/XX/2022 I spoke with a man named XXXX XXXX from the online team and he would not honor any of my request to contact the mortgage department or transfer me to a manager after going back and forth with him for over an hour he disconnected the call he cut me off many times and repeated himself. I never felt like he listened to me I felt rushed and almost like I did not matter, he might have just wanted to get to his next call. When I asked for his employee ID he told me he could not provide that information but offer to give me his last name. 

From XX/XX/2022 to XX/XX/2022 and counting I still do not have online access to my mortgage account and no one from Truist has taking ownership of my issue to help me correct it.

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 2022-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I was awarded a car in a seperation ( XXXX XXXXXXXX related ) where I was the cosigner. Ford Motor Credit would not work with me to get the title in my name. My abuser repeatedly used the car to harass and abuse me so I turned in the vehicle after repeated attempts to get help and after a year of struggling. Ford Motor Credit never attempted to contact the originator of the debt. They contacted me by mail stating the car would be sold. 4 years later I was informed that they were suing me for the balance. My response was not recorded at the court, I did call Ford Motor Credit and their attorney and informed them that the vehicle was sold and that I was not the originator of the debt, they acknowledged that they never contacted him laughed at my abuse claim and hung up on me. My wages have now been garnished for 1200 more than the debt. I was never notified of the judgement and it was ever put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello cfpb, my amazon store card has been falsely reporting incorrect card account balances saying past due when i have always paid them on time. For months they have been reporting to XXXX  and XXXX past due balances when my account is paid. I'm including screenshots of my amazon account statements and credit report showing a false balance of over {$300.00} in an attempt to damage my credit score each month. I pay and have paid this card off each month and would like you to investigate this. Also XXXX XXXX with XXXX has had a dispute going since XX/XX/XXXX when I reported false information on my credit report about self card and the amazon store card and its XX/XX/XXXX and they still haven't updated the dispute so I can file a new dispute on incorrect Info. Please investigate this because it's discrimination and its wrong either way to report false high balances and report things that are incorrect to try to damage my credit. Here are the screen shots I got and documents.

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 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion continues to report inaccurate information. They are reporting two accounts, XXXX ( {$11000.00} ) and XXXX ( {$35000.00} ) that were open fraudulently. Both accounts were removed by XXXX and XXXX. This inaccurate reporting continues to affect my ability to secure gainful employment and purchase a home. I have sent numerous letters to Transunion regard this inaccurate reporting.

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 2022-03-12 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: VA

Complaint narrative:
In accordance with section 601. Short Title : Fair Credit Reporting Act I have not initiated any transaction with any of the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies stated for review or collection TRANSUNION : ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These companies had violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy.

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions.

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 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Social Finance, Inc.
State: NY

Complaint narrative:
I received my new SoFi Financial credit card and have subsequently been issued my now fourth new card due to fraudulent activity on the previous cards. They company did reverse one of the charges before I even knew it was made. There are 2 other charges on my account that are also fraudulent and they have been reported numerous times to both fraud and their customer service department. I received a letter from their fraud department stating they were investigating the claim. They have not put any holds on the fraudulent charges and due to the length of time and lack of protections I have had to make a payment to avoid a mark on my credit. Keep in my I have never used this card and I'm waiting for the fourth card to come and it's all happened in less that 6 months. The phone number that is in the lettter from the fraud department is a line that is never answered and you are detected to leave a voice mail and you call will be returned within 24 hours. I left VM 's on XXXX on XXXX and never got a call back. The number they give is XXXX extension XXXX. Please try this number to verify that what I'm stating is actually a fact. My opinion is that the is an unmonitored line. This company is very unresponsive and my goal is to have these fraudulent charges removed, my unnecessary payment returned to me and then I can close this account as it seems their security is lax to say the least and their customer service rates even lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: NY

Complaint narrative:
Hello cfpb, my XXXX XXXX card has been falsely reporting incorrect card account balances saying past due when i have always paid them on time. For months they have been reporting to transunion and XXXX past due balances when my account is paid. I'm including screenshots of my XXXX account statements and credit report showing a false balance of over {$300.00} in an attempt to damage my credit score each month. I pay and have paid this card off each month and would like you to investigate this. Also credit karma with transunion has had a dispute going since XX/XX/XXXX when I reported false information on my credit report about self card and the XXXX store card and its XX/XX/XXXX and they still haven't updated the dispute so I can file a new dispute on incorrect Info. Please investigate this because it's discrimination and its wrong either way to report false high balances and report things that are incorrect to try to damage my credit. Here are the screen shots I got and documents.

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 2022-03-12 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: VA

Complaint narrative:
In accordance with section 601. Short Title : Fair Credit Reporting Act I have not initiated any transaction with any of the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies stated for review or collection XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These companies had violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy.

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: VA

Complaint narrative:
In accordance with section 601. Short Title : Fair Credit Reporting Act I have not initiated any transaction with any of the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies stated for review or collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies had violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy.

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions.

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 2022-03-12 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: TN

Complaint narrative:
Equifax mailed me a copy of my credit report after I disputed inaccurate information. Equifax report mailed to me dated XX/XX/XXXX, confirmation # XXXX has information that was deleted from my credit report. Recently, on XX/XX/XXXX, I downloaded my Equifax credit report and nothing has been removed from my credit report. Equifax blatantly lied to me and didn't delete or change anything on my credit file. This is a Strict Willful and Neglect Violation of my Protected Rights under the Fcra. This has been devastating for me financially and had caused my credit file to be unworthy. In my dispute the inaccurate information being reported by Equifax is my address. All hard Inquiries, Public Records, Closed Account World Finance, Collection Account ( New ) XXXX and Associates. The XXXX XXXX Account I'm disputing now, violates federal law " No Surprise Act XXXX '' - Surprise medical bills arise when insured consumers inadvertently receive care from out-of-network hospitals, doctors, or other providers they did not choose. 
in-network hospitalizations for non-emergency care include surprise bills from out-of-network providers ( such as anesthesiologists ) whom the patient did not choose. Surprise medical bills pose financial burdens on consumers when health plans deny out-of-network claims or apply higher out-of-network cost sharing ; consumers also face balance billing from out-of-network providers that have not contracted to accept discounted payment rates from the health plan. 
XXXX Services Surprise billing protections4 apply to most emergency services, including those provided in hospital emergency rooms, freestanding emergency departments, and urgent care centers that are licensed to provide emergency care. The federal law also applies to air ambulance transportation ( emergency and non-emergency ), but not ground XXXX XXXX  care includes screening and stabilizing treatment sought by patients who believe they are experiencing a XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion is currently reporting a fraudulent Tradeline on my report. Tradeline in question is XXXX XXXX XXXX, account number XXXX. This Tradeline has been fraudulently reporting on my TransUnion consumer report for a while. Ive been in contact with the alleged creditor to let them know this is a fraudulent item. They insist that this alleged debt is mine and the only thing they have provided me with is copies of statements. Nothing that proves this account belongs to me. The even took me to court and was awarded a judgment on a fraudulent Tradeline that does not belong to me because I missed a court date and all they want to do is take advantage of consumers. Im providing several police reports indicating Ive been a victim of identity theft since 2011 along with an FTC identity theft affidavit. Delete this fraudulent Tradeline from my transunion 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 non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I have called Alliant bank to request to close these fraudulent bank accounts that was open in my name. I receive 10 different notices and file a report on XX/XX/2022. This is a bit disturbing and not understandable that this has not been corrected as yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Corporate AccountBusiness Card Account layer sort byAmount in descending order Show additional information for activity type Fee {XXXX} PURCHASE *FINANCE CHARGE*PURCHASE *FINANCE CHARGE*XXXX Show additional information for activity type Fee {XXXX} PURCHASE *FINANCE CHARGE*PURCHASE *FINANCE CHARGE* activity type Fee {XXXX} Show additional information for activity type Fee {XXXX} LATE PAYMENT FEE LATE PAYMENT FEEXXXX Show additional information for activity type Fee XXXX LATE PAYMENT FEELATE PAYMENT FEE activity type Fee XXXX I am set up auto payment and have been for years. I called in to question why there was a late fee charge of XXXX? 
The women stated that Bank Of America did maintenance on their system and it lost my auto payment of full each month so she set me up again which I am not confidant she knew what she was doing so I paid the amount on line. Now today, XX/XX/22 she told me she would reverse the late charge of XXXX  but she failed to do so and now they added another fee of XXXX. 
Bank of America has committed Credit Card Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is currently reporting a fraudulent XXXX on my report. Tradeline in question is XXXX XXXX XXXX, account number XXXX. This Tradeline has been fraudulently reporting on my XXXX consumer report for a while. Ive been in contact with the alleged creditor to let them know this is a fraudulent item. They insist that this alleged debt is mine and the only thing they have provided me with is copies of statements. Nothing that proves this account belongs to me. The even took me to court and was awarded a judgment on a fraudulent Tradeline that does not belong to me because I missed a court date and all they want to do is take advantage of consumers. Im providing several police reports indicating Ive been a victim of identity theft since XXXX along with an XXXX identity theft affidavit. Delete this fraudulent Tradeline from my XXXX  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 non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was approved for a XXXX  card with a {$150.00} annual fee. I didnt have a problem with the {$150.00} fee but I activated the card on XX/XX/2022 on XX/XX/2022 {$150.00} fee was added to the card. I checked to see how much I could credit to my card and I wasnt even allowed {$2000.00}. This card is fraudulent to me. I have preset credit limit cards with higher credit limits than that. There is no point to this Spark Business card. Its fraud. I closed the account immediately and I am still being charged {$150.00} annual fee for no reason. I had the card for one day and Capital One wants me to just give them {$150.00}. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: MI

Complaint narrative:
Dispute XXXX shows that it was completed but I can not get a copy of what the results were. As you can see by the attachment there is supposed to be a PDF download and there is never a PDF download with any of my disputes for me to view. They are required to keep them online for 30 days the dispute was just completed on XX/XX/XXXX and there is no PDF download. I have no idea of the results and they won't tell me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
CHOICE RECOVERY INC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX {$14.00} I dont have a contract/agreement with the collection agency and I dont recognize this.

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