vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 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: TX

Complaint narrative:
On XXXX and XX/XX/XXXX multiple letters were sent in to Trans Union, XXXX and XXXX disputing the inaccurate bankruptcy that was obtained through a third party and or Pacer by violating my consumer rights under the FCRA U.S. 1681g and They also have gone against the Public Records Acts Violations and Privacy Act of 1974! also XXXX XXXX in whom they received information from and they have sent me a letter of full deletion from my file. But when I sent the letter into Trans Union they continue to tell me it's been verified and refuse to remove. How is that possible when the Bankruptcy court doesn't give out this information and the person XXXX XXXX that furnish them with the information removed in inaccurate and unauthorized data from their file. It seems unfair to continue to keep inaccurate information on my credit report. XXXX XXXX was reporting wrong filing date on all 3 bureaus, inaccurate court name and location, inaccurate bankruptcy number. It's just all wrong and I feel violated by the credit system and something should be done about this company expeditiously!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I paid off my personal loan, and at the same time made a separate payment to my credit card. Apparently both payments went to my loan, so it was overpaid by ~ {$2400.00} ( the extra payment was for {$2500.00} ). After noticing what had happened, I called my bank immediately. They told me to call back the next day after things were processed. On that first call, they told me that the extra payment would be refunded to my checking account ( the account it was paid from ) within 2-3 business days. The next day I called the number they gave me, and they also told me that it would be credited back to my checking account within 2-3 business days, and told me the exact amount ( since som interest would still be due after my intentional payment of ~ {$10000.00}, the principle shown on my account portal ). I called, and had several chats, and a chat with one of their XXXX accounts, and each time since the 2nd call I made Ive been told it will be 7-10 business days for the money to show up in my checking account. Right now, it has been over 10 business days, I'm on hold with someone now who told me they will send me a cashiers check. Every person I've spoken with until now said explicitly that the cashiers check they normally would send in this situation was canceled and the money would just be credited to my account. Between the erroneous overpayment and today I have overdrawn several times and been charged overdraft fees numerous times. This seems criminal to me, plus its Wells Fargo... So you know... Probably legit they are being shady here. They have collected $ XX in overdraft fees, not to mention their collections dept. called me and asked when I would pay my overdraft amount. I asked them when they would pay me the money they owed me, since it more than enough covered the overdraft amount. 

Date of disputed overpayment : XX/XX/2022. Amount : {$2500.00} Overdraft fees since XXXX : {$140.00} Currently still overdrawn, ad of XX/XX/2022

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 2022-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report Gramm Leach Bliley Act ( GLBA ) Privacy Notice SHEFFIELD FINANCIAL a division of Truist Bank Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signedinvoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Im challenging this account with Sheffield of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the XXXX I will further pursue all of my legal remedy without further notice to SHEFFIELD FINANCIAL. I have attempted to resolve this matter formally before filing a complaint and lawsuit! SHEFFIELD FINANCIAL a division of Truist Bank actions among others are violations of the federal Fair Debt Collection Practices Acts ( FDCPA ) of multiple state and Federal laws. Relief from Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. This is Dishonor in commerce, Fraud, Conspiracy, and Racketeering. I am writing to dispute an account XXXX fraudulently opened in my name. I am a victim of identity theft. SHEFFIELD FINANCIAL are attempting to collect an alleged debt on the basis of fraud.I DO NOT HAVE A CONTRACT WITH SHEFFIELD FINANCIAL. I DO NOT GIVE SHEFFIELD FINANCIAL a division of Truist Bank AUTHORIZATION TO PUT ANY REMARKS ON MY CONSUMER REPORT. 15 U.S. Code 1681n - Civil liability for willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of identity theft and from the period of XXXX there were hard inquiries to all three credit bureaus. Later it was discovered that there was a fraudulent loan issued. On XX/XX/XXXX I placed a credit freeze and fraud alert with all three credit bureaus, XXXX. XXXX and Equifax. XXXX and XXXX worked with myself and the creditors to get all information removed from my credit report, however Equifax has made this process extremely difficult and time consuming and are refusing to remove the four hard inquiries on my credit report with information provided to them. Two of the Credit agencies in which the fraudulent applications were made and represent two of the hard inquiries, sent letters confirming the fraud and indicated they would notify the agencies to get them removed. Equifax claims never to have received them. I sent a large fax on XX/XX/XXXX which included a police report and FTC report., and the two letters regarding two of the hard inquiries confirming that the inquiries were fraudulent.. I phoned them on XX/XX/XXXX and they indicated that the FTC report had to include the specific inquiries in their file. The FTC only allows 3 to be listed and I had 13 hard inquiries from the 3 agencies. I then sent them another fax on XX/XX/XXXX including another claim with the FTC with the specific inquiries, and phoned this morning and they indicated that it is not in my file and it may take 5 business days to process and once complete, I will get a notification of the results by mail. I don't know if at this point it will be adequate as each time I contact them, they want something more. I have attached a copy of the faxed documents excluding my identification, which was included in the fax to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: MI

Complaint narrative:
The bureaus are required to 100 % accurate with their investigations ' results but as far as the AFNI account is concerned with my credit report, the Bureaus have failed to comply with FCRA 's requirements. They failed to investigate the account properly which results in hurting the credit reports big time. Moreover, they have not submitted and signed documents or agreements that can validate their verdict. Most importantly, I have made my payments to the original creditor or furnisher. 
AFNI ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} AFNI  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Inaccurate information on the report State driver license number is inaccurate information residence address is inaccurate information based on the Information listed is totally inaccurate information reporting Banking institution failed to corresponding and investigate accurate information to prevent fruad which however believe to be fruad with information being breach

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX, I was indebted to XXXX XXXX with the amount of {$100000.00} in credit card, and it accumulated interest to the amount of {$1400.00}, and i completed the payment and they still have my name on file. 
Secondly, I was indebted to XXXX XXXX XXXXXXXX a little over XXXX and I paid. they still have my name 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 non-monetary relief
Consumer complaint received 2022-02-02 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: MI

Complaint narrative:
I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing have been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXD Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXate of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase appears to be trying to set precedent with this type of branch. This is a cashless branch. There are no live tellers. Yet, there are processes that are not openly disclosed to the customer. Their processes allowed the bank to keep my money even in the instance where an employees witnessed the machine malfunction and not dispense my money ( the withdrawal will be confirmed in your transactions when checked and the bank will not immediately resolve the error/malfunction ). Instead it was requested I sit in a cubicle ( XXXX XXXX the associate who witnessed the malfunction ) while a claim was created and case numbers established. I asked for the manager and was advised he was not there. The next in charge XXXX XXXX casually conveyed it has happened to him, ( I called XXXX XXXX ( XXXX ) in XXXX relations ). I was told by both the claims Supervisor XXXX XXXX ( claim number XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the matter would take at least 12 hours to be resolved. The bank would not expedite resolution. I used the atm inside the branch which is how the associate witnessed the machine malfunction. There were ATM servicing agents repairing machines on the outside of the building. Yet, I was told the machines on the inside could not be serviced until after hours. I have contacted XXXX XXXX this morning and spoke to XXXX who advised a Supervisor was unavailable and in a meeting. He advised XXXX was still handling the case. 

My concern is the machine malfunctioned and my money was not dispensed ... in front of an associate and it is being handled casually with no urgency or bank accountability, immediate action or concern. I am being forced to wait for resolution. The amount was $ XXXX. It was bill, fuel, and grocery money waiting to be distributed. I was forced to go home. I find it heinous and it still has not been resolved and is approaching 24 hours. There should be a more immediate policy to service customers like myself in this instance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was charged 4.5 dollars again!!!! 
In early XXXX, I was told I need to put {$500.00} into account to avoid the fee and I put {$550.00} dollars in. And Yesterday, I was charged 4.5 dollars again!!! 
I called and I was told this time I need to put {$1500.00} in to avoid bank fees. 
I am asking you to refund me the charge! 
Still, the refund was denied because of the {$30.00} refund limit. 

Last time, the nonsense charge is caused by Citi giving me XXXX dollars of interest and charging me 4.5 dollars of fee and then charging me 34 dollars of the overdraft fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My mother entered into a reverse mortgage the company ( formally known as XXXXRMS ) and now PHH Reverse Mortgage. She died XX/XX/XXXX. I entered into a Covid forbearance while I was dealing with both my mom 's and dad 's estate ( I am their only child ). I also was directly affected by Covid and a temporary lapse in employment, so I appreciate the extension which expired on Jan 26, 2022. My main intent throughout this whole process was an heir payoff. PHH scheduled an appraisal on XX/XX/XXXX. And since that time ( as of today XX/XX/XXXX XXXX EST ), I am still waiting for my heir payoff. 

Without an heir payoff or related purchase agreement, I'm not able to start my process to close on this home which begins with the bank ordering their own appraisal. I have also repeatedly requested the loan origination documents and statement from inception of the loan to date for several months. I also put this officially in email writing on XX/XX/XXXX. 

My problem is I am unable to speak to anyone directly in the XXXX XXXX XXXX. I am also not able to receive an update on the loan origination and statement documents. The house is in foreclosure. But I'm repeatedly told by customer service agents when I call that there is : " no sale date yet '', " XX/XX/XXXX '' and " XX/XX/XXXX '' and " XX/XX/XXXX '' sale dates. 

Additionally, I am concerned with the documents my mom signed and the way this mortgage product was sold to her many years ago. I remember reverse mortgage brokers knocking on her and other neighbor 's doors, calling her incessantly and telling her to not discuss her reverse mortgage options with me. These products often disproportionately target low income minority home owners which I find unscrupulous and unethical. And many don't quite understand what they've signed nor the ramifications of their decisions after their passing, which is also why I've retained legal help to get some understanding on why I've never seen the documents I've requested and what is contained within them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I was wrongly billed by XXXX XXXX XXXX XXXX for what appears to be a bridge toll. The license plate shown in the attached photo on the document that XXXX sent me is not registered to me, never was, I do not own a black or dark colored vehicle, and to top it all off, I have never been in the state of New York. I have never been north of southern Virginia and XX/XX/XXXX was a Thursday and I was at work in XXXX, Florida at the time and date shown. I sent XXXX a copy of their form back signed and dated disputing the debt and thought everything was over with. I was then contacted by Transworld Systems on XX/XX/XXXX at XXXX p.m. and told that my account was in collections with them and I owed them {$110.00}. I explained to them that I do not have an account with XXXX and the debt is not mine and I sent XXXX a response to their bill stating the same. I told the person on the phone that I will never pay a debt that's not mine. The person on the phone abruptly got off the phone with me and I have not heard from them since. A written demand for payment from Transworld Systems arrived to my home XX/XX/XXXX. I have spent almost 10 years rebuilding my credit since filing for bankruptcy in XX/XX/XXXX. I do not want these collections people ruining my credit due to this fraudulent billing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
In XXXX of 2022 I changed my XXXX account and after doing so I no longer had access to my Apple Card ( this is a XXXX managed by Goldman Sachs ). You can not switch the card from one XXXX account to another so I asked to cancel the card. There is no phone number to call and the only way to communicate with the company is through text messages. on XX/XX/2022 in spite of spending an hour texting back and forth they would not cancel my account.

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

Complaint narrative:
I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX  Date of XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I purchased ticket to attend an event that advertised XXXX XXXX XXXX XXXX, and other services. Upon arrival I did not receive any of the services that were advertised, the XXXX XXXX XXXX XXXX toys were bootleg versions of a national trademark. So i contacted the vendor and they did not want to honor my refund as they claimed there was no refund policy. In an attempt to resole the issue i contacted my credit card provider and they did not want to honor my dispute for the simple fact that there was a no refund policy. Yet, the services advertised were not provided. I appealed it and they remarked that they could not resolve my dispute because there was a no refund policy. However, I did not obtain the items I paid for, which I attempted to explain.

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