vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2021, I was notified by SunTrust Bank that my checking account was overdrawn. Upon reviewing my account, I saw that a {$20.00} check that I made out to the Washington XXXX XXXX was changed to a {$4800.00} for XXXX XXXX. This check was obviously altered but was cashed by SunTrust anyway. 

On XX/XX/2021, I called my bank to let them know that I was a victim of identity theft at which time, we agreed that my bank account should be closed and that they would have the fraud investigated. They also indicated that the investigation would take 10 business days. 

At the end of the 10 days, I called again and was told that there were no notes on the investigation and my customer service rep said that she would escalate it. At that time, she said it might take 100 days. On XX/XX/XXXX, I called again and was told again that they had no information and again- they would escalate it. 

It seems as if there is nothing being done and no word from SunTrust ( now Truist ) on refunding not only the missing {$4800.00} but some additional monies from a deposit.

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 2022-01-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX Date Opened : XX/XX/2011 XXXX XXXX XXXX XXXX XXXX : {$640.00} Date Opened : XX/XX/2011 XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2022, I purchased a dental savings plan through XXXX. Through a computer glich, I was charged twice for the plan. Both charges occurred on the same date and time. The amount was {$120.00}. I contacted XXXX  and they issued me a full refund. I am being told that it could take up to 12 days to receive the credit back on my account. That is UNACCPTABLE!!! It did not take Citi Bank 12 days to release the fund. Citibank blames XXXX  for the refund not being back on my card. XXXX casts the blame on Citibank. Citibank told me that I still have over {$4000.00} to use on my credit if something should happen and I need money. That answer is totally ridicous. That is not the point. I don't carry balances on my card.

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 2022-01-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I applied for the XXXX when the loan forgiveness was initiated. My loans have been consolidated and passed from company to company. In the process my loans have been put in deference sometimes against my request. I made payments during that time to keep interest low. I have resubmitted my employment verification several times and it was either denied or dismissed. Currently they are not crediting me the payments made prior to their service and the ones made in deference even though I have submitted paperwork. They are claiming it's out of compliance but won't help. They also claim that my work ended in XX/XX/2021 even though my work says I'm currently still employed. So none of my payments from XXXX on are counted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Mortgage company lied about me having home insurance, took escrow payments from me and made it seem like I had home insurance while I had none for months. Now I am being penalized for not having insurance for 30 days as I am trying to refinance. The new company that is doing the refinance informed me that I dont have insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient continues to say that my XXXX loans are not federally related and are continuing to say that I am behind in payments, when indeed these loan types are in a non repayment, no interest accruing status, per the Presidential order related to COVID 19 pandemic. XXXX loans ARE FEDERAL LOANS ... ..Navient is reporting late payments and is claiming that I must begin payments again in XXXX, when according to the Cares Act, they are on pause until May. I have tried NUMEROUS times to work this out with NAvient, asked them to fix my credit report and to stop collection activity to which they refuse. 
They have just lost a court case for bad practice, so I feel that they are just not a legit servicer. 
Please hep to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NewRez LLC should not be in the loan servicing business. At best, they do not have the systems in place to provide even basic mortgage servicing, at worst, they are actively predatory. 

They purchased our loan several years ago, and we have had nothing but trouble since. This month was particularly egregious. We received a letter from our homeowner 's insurance this week stating that they had not received payment since at least XX/XX/2021 and our insurance coverage ended in mid XXXX because NewRez had not paid them. It is now XXXX, so we were unknowingly without home insurance for half of XXXX, all of XXXX, and now half of XXXX. We contacted NewRez to find out why they had not paid, as we have an impound account with them and they are responsible for paying our homeowners insurance from it. It took transferring to several people before they agreed that yes, they were supposed to be paying our homeowners insurance and hadn't. They promised to cut a check that day and overnight it to XXXX, as XXXX was going to terminate us as a customer permanently if they didn't receive a payment within a week. 

That was Wednesday, XX/XX/XXXX. We called again today, Friday, XX/XX/XXXX to confirm it had been done, and it had not. 

Last year, we had a similar problem, but the opposite. We were up to date on our home owner 's insurance, but every month, NewRez would send us a threatening letter, telling us that we were without insurance and if we didn't pay them immediately, they would purchase a new and very expensive policy from some unknown insurance company on our behalf. Each month, I called NewRez to say that we were up to date with our insurance. They would call my insurance agent, find out that we were, and apologize, saying they would correct our records, and yet, it happened month after month. I had to contact them repeatedly, on the phone and through the mail, for months before they finally stopped harassing us.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding LLC, filed a lawsuit against me on XX/XX/XXXX, alleging I owed them a debt from an unpaid a credit card in violation 15USC1692b ( 4 ). Unaware of the extent of my consumer rights, and new to learning consumer law, I submitted my answer and in-turn LVNV filed a motion to surpress my answer with out prejudice on XX/XX/XXXX. I filed an answer in opposition to their motion, ( see attached ) : XXXX. ) I am federally protected consumer under XXXX XXXX XXXX  XXXX and they are violating my privacy rights, XXXX. ) They provided no laws stating I a legally required to pay this alleged debt to them, XXXX. ) The LVNV was not present for this consumer credit transaction and can not say I owe this debt pursuant to 15 USC 1692b. It wasn't until XX/XX/XXXX that I received a order for summary judgment dated filed XX/XX/XXXX. Then on XX/XX/XXXX I received the most threatening letter stating, " Failure to comply with this information subpoena may result in my arrest and incarceration violating 15USC1692e ( 4 ) and 15USC1692e ( 7 ), I've received notice dated XX/XX/XXXX of an intent to garnish my wages which is in violation of privacy rights under 15usc6801 as I have not give this third party permission to access my employer records. I have also not contracted with this third party, so they do not have permission to access any of my account information with a creditor. They are in direct violation of 15USC1692c ( b ) Pursuant to 15USC1692g ( c ), the consumers failure to respond is not an admission of guilt. I am in dispute of this debt, and I am refusing to pay this debt to LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
XX/XX/2021, at approximately XXXX Am I called Chase bank to discuss a charge reversal for an online purchase. The XXXX phone operator instructed me that I needed to speak with XXXX to pursue the dispute. I then googled the XXXX customer service number and called the number that come up in the search ( XXXX - XXXX - XXXX ). I was instructed by the person that represented themself as the XXXX customer service representative that for them to help me with my refund that I would need to follow instructions such as downloading and application onto my computer so they could help with my charge reversal. 

I followed instructions as I was under the impression that I was speaking with XXXX. They told me that my computer screen would need to be turned off remotely during the refund. I was then held up on the phone waiting for upwards to 1 and 1 1/2 hours as the XXXX '' impostor instructed me that this was a necessary part of the refund process, telling me that their server was being slow, etc. Making various excuses to make me wait longer. Eventually I became frustrated and asked the person to stop helping me and let me go from the phone call. I realized that I could turn my computer screen back on by brightening the screen and I witness unauthorized activity happening in my online bank account. I ended the call and saw that my Chase bank account was missing {$4900.00} worth of funds had been wired transferred from my account without my authorization or consent. I immediately called Chase to freeze my account and file a claim. I made an appointment the next day to close my account and open a new one. Chase then sent me a claim denial letter stating We are denying your claim because during our review we found that you did not take the appropriate steps to protect your account from theft or unauthorized use. We will not reimburse your account. I visited a Chase branch and requested that my claim be reopened and filed a Police report with the XXXX Police Bureau. Chase then denied my claim a second time without allowing me to submit my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX our home was foreclosed on. For the past 2 and 1/2 years we have worked hard to improve our credit pay off any debt and make ourselves trustworthy again. Because of freedom mortgage we have not been able to obtain a new home loan. My husband is a VA eligible borrower and because freedom mortgage is reporting the account paid off in closed XXXX of XXXX instead of XX/XX/XXXX of XXXX when we were evicted. We have not been able to obtain a new mortgage on a new home we are trying to purchase. We take full responsibility and acknowledge the foreclosure. It happened due to circumstances beyond our control and we wish we could go back and correct the issue before the foreclosure took place. Unfortunately that is not the case and we must deal with the repercussions, but we ask that information be reported properly to the bureaus. We have filed various disputes asking for the dates to be corrected. And to show the last account reporting date reporting information and close account dates to be based on the date that the home was purchased by a new buyer which is XX/XX/XXXX. Reporting the account close in XXXX of XXXX is unacceptable unprofessional in a blatant lie. The account was and should be reflecting as closed out in XXXX and although we have tried various measures to correct the issue freedom mortgage has been difficult and unable to assist us and legally I believe they should not be able to do this We were asked to move out of our home in XXXX because the home was sold there should be no other legal stands for them to report anything after that date I have documentation showing when the property was sold, As well our eviction notice stating that the home was sold. All we're asking is for a credit reports to show the account closed date and last reporting date of 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 explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Is another frequent number ALLY FINANCIAL is calling from. While in dispute they have been attempting to contact me via phone and email.

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 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
XX/XX/2022 I need to close acct. Been on phone over 2 hrs to try to close acct. Either get hung up on, not answered, or transferred around. Worst service ever, even question if this is a real bank. I need my money back now.

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 2022-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This account is inaccurately and erroneously reported. I want to request for an investigation of this account. Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately. ( I C SYSTEM ( XXXX XXXX XXXX ) ***** Opened date : XX/XX/2021 Balance {$1100.00} ) This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt.

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 2022-01-14 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
After graduating in 2013, I began paying back my student loans in XX/XX/2013 to Navient. When I requested a payment history, 3 years of payments, totaling {$15000.00} were missing. 

I filed a complaint with the NY Attorney General Office and was told to contact your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2022-01-14 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: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation