vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Since this company Bb & t merged with suntrust they have been hitting me with XXXX dollar overdraft at every single chance they get. I was laid off from my job on XX/XX/XXXX and I am now XXXX. This company obviously does not care about their customers one but. I deposited a XXXX dollar check last week on the XXXX and they put a 10 day hold on my check. They are now charging me nsf fees for reoccurring payments and their XXXX dollar monthly service fee. This company basically makes up their own rules. Their fraud department actually said it was at the local bank manager XXXX XXXX discretion to release my funds and when I begged her to do so she was extremely nasty about it. She said I will not release the funds because in the last XXXX years you have XXXX nsf fees. Most of these fees were caused by their merger that completely screwed up my accounts and there were times I had no access to the app or money through my atm card. This company caused so many issues to my account when they merged and then I paid the price. I was laid off last XXXX in XXXX because of COVID and now this past XXXX due to the mortgage industry rise in rates and extreme volatility in industry as well as my becoming XXXX after being hit by a car while walking my dog. I feel I have been treated extremely unfair and I do not think this company should be able to be unavailable in anyway for days and days and because of their merger charge me excessive fees than because of these excessive fees prevent my having access to a XXXX dollar check that I was desperately in need of. Since COVID I have had to live in a hotel and then I lost my job twice this company should have some compassion for these unforeseen and uncontrollable issues I have experienced!

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 2022-06-23 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: NV

Complaint narrative:
Transunion is reporting an unknown and erroneous medial debt account, listed XXXX XXXX XXXX, {$530.00}.

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 2022-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I've made several attempts to notify TransUnion that the inquiries listed below I do not recognize. In my letter to them I requested to have them removed and update my consumer credit report and I have not received a response. It's difficult to reach them on the phone and at times the website is not working properly. So, I'm reaching out to this agency for help. The following companies have inquired into my consumer report without my consent, and I wish to have them deleted at once. 

XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX  ( XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX I do not nor have I had credit with any of these companies.

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 2022-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Arivo Acceptance, LLC
State: KY

Complaint narrative:
Arivo Acceptance has been harassing my husband and myself. They were told repeatedly starting in XX/XX/XXXX to stop contacting people in my family over something in my husbands name. They claimed to place a block on contacting others XX/XX/XXXX. Today XX/XX/XXXX they contacted my husbands employer/ boss. Ive asked multiple times via email and phone. Nothing is being done and they wont stop harassing us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: AL

Complaint narrative:
In XXXX of 2022, i filed a dispute Equifax about the Unverified account XXXX XXXX account # XXXX. I have not received a response in over 30 days which is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved.. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a credit card with Suntrust in XX/XX/XXXX. After a couple of years I was no longer able to log into my credit card account online, and I had to stop using the credit card as a result. During this time- Suntrust merged with another bank and beca

me Truist- and since then, I have never been able to get back into my account online. I have made several attempts over the past 3 years to speak to someone at Truist to help get me access to my account- they either drop the call ( after talking to them for 30 minutes, then them telling me I am in the wrong department, they will transfer me - then the call drops ), or I can not get an actual person to help. I need all of my statements from this credit card for a legal case and I needed them a long time ago, yet I have been unable to get anyone to assist me with this from Truist.
Today I called again, and on the 4th call I got through to the correct department. Truist does not have my current address and their system was not accepting any update of my address today, according to the
representative I was speaking to named XXXX, therefore he was not able to give me access to my statements- or send me my statements. 

I am repeatedly told by Truist employees when I am able to speak to them that I should go into a branch to get this sorted out - but a. I live in California and there are no Truist banks in California and b. I have never had a bank account with Truist or Suntrust - just this one credit card that I deeply regret getting. 

I need my credit card statements asap -dated XX/XX/XXXX to current day ( XX/XX/XXXX ) I am legally entitled to these statements and I have repeatedly made attempts to contact Truist and get them from Truist but can not get anyone to do this. 

Please assist me in getting my credit card statements. This is the worst experience I have ever had with a credit card and I can not state how much I regret getting a credit card with this company.

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 2022-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: MD

Complaint narrative:
Under the FDCPA, if a debt collector is attempting to collect on your debt, they need to do so according to the original signed contract. This contract refers to the one you signed with your original creditor. Meridian Financial Services , Inc. is attempting to collect a debt and has added fees in excess of 34 % ( {$320.00} ) of {$970.00} balance due on my maintenance fee for my time share at XXXX XXXX XXXX. The 34 % of additional fees that Meridian Financial Services , Inc., is attempting to collect is not allowed by the original signed contract # XXXX signed on XX/XX/2002. Number 4 in the contract stipulates that maintenance fees is payable during the schedule year of occupancy and does not stipulate a fee charge.

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 2022-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
The accounts in collection are not authorized transactions by me the consumer. The following accounts are being reported negatively by XXXX, XXXX, and XXXX. It is affecting my credit worthiness and damaging my reputation. 

ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My wife, who handled our finances, passed away very recently. In her absence I have been acquainting myself with our banking situation, among other things. When I open our Bank 's website ( Truist Bank ) I am given three figures : Our checking account balance, our " Ready Line '' balance, both of which are fine, and our Visa card balance, which according to their statement is $ XXXX. Since I am very careful about always maintaining a positive balance in my credit card account, I did not understand what the {$15000.00} figure is all about, so I called the bank. They explained that it represented the accumulated fees from each use of my card, something that is not explained in any of their literature. Further questioning revealed that their fee for each transaction was between 14 % and 15 % of each trans-action. There is no mention of the size of their fee in their website. I said " If I owe that money I guess I will have to begin to pay it down monthly. '' " Oh no, '' she said, " We do not accept installment payments of this amount. It must be paid in full! '' The above information is the reason for my complaint. First, there is no information explaining how the bank calculates their fee, nor the amount of the fee. And Finally, I am a XXXX widower, living for the most part on social security. There is no conceivable way that I can come up with $! XXXX. It also amazes me that this fee has been accumulating over a very, very long period and the bank has never indicated that it is overdue. Moreover, I find it interesting that there is no way in their system to transfer any funds into that account.

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 2022-06-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax continues to report inaccurate information in the comment section under XXXX  XXXX XXXX. THIS ACCOUNT WAS NOT SETTLED FOR LESS THAN THE FULL BALANCE. THIS ACCOUNT IS PAID IN FULL NOT SETTLED. THIS ACCOUNT IS NOW 7 YEARS OLD. SINCE YOU WON'T CORRECT IT, IT NEEDS TO BE DELETED IMMEADIATELY. YOU ARE VIOLATING MY RIGHTS UNDER THE FAIR CREDIT ACT,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank said they will issue temporary credit XXXX $ at XX/XX/2022 ( they never did ) I won a fraud claim but bank didn't return the fraud money XX/XX/2022 ( it's still in my statement ) Bank Added 8 more charges under the name Fraud Dispute and it's ok ( but the problem is that the charges they added are still in the statement so now I own them more money it's a duplicate ) Tried speaking to Fraud Department 2 times at XX/XX/XXXX but the first one did get what's going on and told me the only way to resolve this is me calling each merchant one buy one then dropped the call. 
The second one said she'll reopen the case and she said she will add heavy notes but the problem is that since this fiasco started that's all they tell me and nothing really happens. Im waiting for her to reopen the case but it seems like she ran away too. 

I have no idea what to do now. If you check the account including all my payments bank of America actually owes me XXXX $ + but then now I owe them XXXX $ it's insane.

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 2022-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I believe there was false documents record on my house by PHH Mortgage. The Vice President of PHH Mortgage name is not XXXX XXXX. XXXX XXXX is the one that signed the document. I am enclosing document XXXX XXXX has sighed that on not offical documents. I enclosing different document done by the doc company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
The account is a collections account reported on XXXX and XXXX from XXXX in the amount of {$770.00}. 

I was laid off from my job because of Covid-19, which was around XXXX of XXXX. 
Considering, I have lost my Health benefits as well. I had to apply for health coverage from the state.

My Health policy with Health First was not effective until XX/XX/XXXX of XXXX, but however, I was told by a Rep from Health First, that I was able to use my coverage before hand and everything will be fine. 

So, I used my coverage on XX/XX/2020 because I was exposed to Covid-19 and it was an urgency that I go get checked for myself and family. 

The Clinic took my coverage and assured me that everything was good to go. It has been over 2 years and I'm just now receiving letters in the mail, starting a month or so back, stating this amount. The letter never stated that my coverage did not cover that visit. Also, was unaware considering that me and my father have the same exact name. I haven't received any notice stating that it was not covered at all around the time went to be tested for Covid-19, etc ... and it has been over 2 years..

Now its being reported on my credit report as an collections account and I would like for this to be removed from my credit report immediately due to Covid-19, false information given to me and lack of communication regarding this matter. Don't think I was treated properly in this matter.

I was completely unaware that I was not able to use my coverage before the effectiveness of my policy and was told I could by a rep.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Opened an account with Wells Fargo yesterday. Once opened I was denied access to the account due to someone elses information being attached to it. The verification number is not mine and Wells Fargo continues to prevent me from changing it. Theres a Georgia address attached to the account thats not mine. Original account was opened in 2013 but I didnt open it. They tell me to go into the branch and they will fix it immediately and I did but they didnt do anything. They rudely told me to make an appointment. I cant access the account. Someone who is not me has all of the access. Wells Fargo knows all of this and is unconcerned and dragging their feet to address 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 non-monetary relief
Consumer complaint received 2022-06-23 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: TX

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 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 
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 an 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 non-monetary relief
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I paid my cellular phone bill to XXXX XXXX XXXX for {$100.00} in 2021. I explained to the debt collector that XXXX XXXX XXXX would not unlock my phone number until the bill was paid in complete. I paid the debt and made the switch to another cell phone provider ( XXXX ). California law states that a user can not change cell phone providers without the former provider being paid in full. My phone was unlocked and XXXX reconnected with the same cell number ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23 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: GA

Complaint narrative:
TransUnion is reporting a fraudulent account on my credit report which is causing me financial hardship all of the accounts listed below are all fraudulent accounts and fraudulent inquiries that I did not authorize XXXX XXXX XXXX  {$810.00} XXXX Inquiries XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Reached out to aidvantage who has my loan from XXXX. Today when I called about my existing loan and what is the existing monthly payment going to be once the XXXX pause is over. Was told it would be {$750.00} a month. how is that possible? At the start of the pandemic in XXXX, I was paying {$390.00} a month. I was in a XXXX  forbearance periods since XXXX when I started my degree from XXXX. finished degree in XXXX. It was only until XXXX where I could consistently make payments. How can my payments now jump to {$750.00} in XXXX? I do not believe the algorithms the Department of Education Student Loan for the government is correctly calculating payment amounts and factoring in inflation and income. And the person speaking to me has a clue to explain what their application is doing to come up with an exorbitant amount of money to have to pay each month. It feels like XXXX all over again. From the XXXX settlement, my loan qualified for possibly a {$260.00} restitution payment. Never received the payment to date. If my loan had issues at XXXX, why isn't the department of education looking at my loan for correction or cancellation? XXXX already deemed my loan was treated wrong in their settlement. Why am I looking at paying even more money that I can not afford through the Department of Education? I will never get out of this loan or repay it if the monthly loan amount continues to increase and without explanation. If Department of Education is not cleaning up their systems to help borrowers, why do they exist? I want my loan looked at and someone to effectively explain the payment process.

Company response to consumer: Closed with explanation