vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I want to start off by saying I am a consumer of the United States of America Corporation, pursuant to 28 USC 3002 and I am aware of my rights. I recently attempted to extend my credit by doing a consumer transaction on XX/XX/2022, and was shocked when I was denied, there were a number of frivolous reasons on why you did not approve this transaction. This included you all going to third party agencies and receiving information, that I the consumer, did not grant access to, which is infringing upon my rights to privacy, pursuant to 15 USC 1681 ( a ) ( 4 ) I am protected under the FCRA ( Fair Credit Reporting Act ) and I can not be discriminated against, with respect to any aspect of a credit transaction according to 15 USC 1691 ( a ). You used my social security number, which by law is a credit card and still denied me, when I am the one doing you a favor. Pursuant to 15 USC 1602 ( g ). I am the original creditor, and lender who was attempting to extend my services to you. Additionally the use of your elaborate mechanisms that did not provide specific reasoning on why I was denied pursuant to 15 USC 1681 ( a ) ( 2 ). I would like you to be straight forward with me, as I am with you and tell me why you thought it was okay to infringe upon my right of privacy, just to reject me extending my credit to you, because there are no valid reasons pursuant to 15 USC 1681 ( m ). With all of that being said I am fully aware that I can't be denied for credit ( only insurance and employment ) you can not send me an adverse action seeing as I already completed the transaction when I did the credit application ( extended credit ) 15 USC 1691 ( d ) ( 6 ).

2. ) It's aggravated identity theft because you took my application and entered me into a consumer credit transaction ( knowingly took my l business credit application and opened up a checking account without my permission ). 
I swear that all of the information provided herein, under the penalty of perjury that the information i so affirm to be true and accurate to the best of my ability and knowledge.

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 2022-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have banked with SunTrust for at least 20 years and have used their online banking interface for the past 10 years. I live overseas, so it is critical for me to be able to do all of my banking and bill pay online. SunTrust has been going through a merger with another bank for the past couple of years and during this time, the online banking has gradually been shifting to the new platform for the merged institution, called Truist. 

I have checking, Money Market and savings accounts with SunTrust ( now Truist ) and use both a debit card and a credit card from the institution. This is my only personal credit card and this is the only bank that I do regular business with. My salary is direct deposited into this account on a biweekly basis. 

I normally go online and check my transactions and pay bills shortly before or on the first of each month. When I tried to do this yesterday ( XX/XX/XXXX ), I could no longer log in through the Suntrust interface and was told to go to Truist. The Truist log-in page kicked me back to Suntrust. I kept getting an " invalid user name and password '' on each page. None of the customer service phone numbers work - after going through all of the prompts, a recording tells me that the wait time is over 60 minutes and then it cuts off after several minutes.

Hence, I have no access to any of my funds and no way to contact the bank. I am helpless to do anything. My bills will be overdue ; penalties will be charged and my credit score may be affected. I am a loyal customer with an excellent record and a fair amount of money with this bank. There are numerous reports on line from people having similar experiences with SunTrust ( now Truist ) and several XXXX groups have been formed to collect complaints and experiences- since there is no way to to even contact the bank to inquire or complain directly! I am outraged and a bit panicked that I'm unable to access any of my funds. Please help.

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 2022-03-02 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: GA

Complaint narrative:
TO WHOM IT MY CONCERN, I'M ASKING FOR HELP AND WILL ATTACH ALL DOCUMENTS FOR THIS MATTER. I AM A VICTIM OF IDENTITY THEFT AND I HAVE TO CONSTANTLY TRY AND RECTIFY THE EFFE CTS AS ACCOUNTS, NAMES AND ADDRESSES THAT HAVE BEEN USED FRAUDULENTLY CONTINUES TO REPORT TO MY CREDIT REPORT. THE ACCOUNTS ARE IMPACT XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NAMES ARE XXXX XXXX, XXXX XXXX, XXXX XXXX AND ADDRESSES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. PLEASE SEE ALL DOCUMENTS ATTACHED. THESE ACCOUNTS ARE AFFECTING MY LIFE AND IS CAUSING ME AND MY FAMILY BIG ISSUES WITH NOT BEING ABLE TO MOVE AND LEAVING US WITHOUT TRANSPORTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC

Complaint narrative:
It's a lot of issues so I'll keep it short, I was diagnosed with XXXX XXXX XXXX XXXX in 2017, it has taken me 5 years now to finally finish treatment and I am now just starting back to work literally Monday, my husband had an auto body and paint buisness that shut down due to COVID-19 pandemic. We had used up all our resources and finally I'm starting work again and my husbands body shop has slowly started to get a few customers again, now after we thought we got a defer in payments on mortgage starting to resume on XX/XX/XXXX I get a notification from sheriff telling us to vacate by XXXX, I thought everything was going to be okay, I contacted Vanderbilt Mortgage and they want an amount to keep my home that I just don't have yet, I have to get a few paychecks in first and now I'm about to be XXXX after 17 years in the same job I got sick and I needed help and now I'm going to lose everything on top of what I've already lost has me guessing now why did I even seek treatment when I was sick, I don't know what to do, I just turned XXXX last month and I don't know if I have the strength left to start over anymore. The mortgage company is already charging me 12 % interest and I've already paid 10 years out of the 20 year loan and now I'm losing it. I can't even believe this I'm seriously thinking of ending everything because I can't take another loss on top of what I've already lost, my XXXX, my XXXX XXXX so technically I'm not even a woman anymore and I still can't even look at myself in a mirror and now my home, my credit, my teeth because XXXX destroyed those and I can't afford to fix them, I just want to lay down because I'm tired and I feel like an old work horse that is not wanted anymore. I've worked my entire life like a man to just lose everything I've earned, I've had to eat so much XXXX to get what little I have, I have worked myself into XXXX XXXX XXXX and countless XXXX XXXX and XXXX from the type of work I've had to do to just be told to leave my high interest over priced mobile home that's already falling in anyways, this is too much for me to handle. Life is not fair and I totally get that, however I'm absolutely disgusted with the entire situation that I'm literally XXXX XXXX daily, not sleeping, XXXX, and uncontrollably crying that I don't even know how I'm going to keep my new job because I can't even function at this point. I at least out of everything I have my XXXX acres of land paid off and it's mine, the mortgage company will have to remove trailer but still my credit is destroyed and what good is my land without a structure on it to live in. Sincerely... .. XXXX XXXX, and giving up ... Because I just am tired, I am so so tired of pushing that I have no push left in me.

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 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I want to report that I am a victim of identity theft/fraud. I was contacted by TD Bank on Friday, XX/XX/2022, informing me of a negative balance on my account. I told the representative that was impossible since I did not have an account with TD Bank. I was asked to verify my information, which I refused. I asked the representative to verify her information on me, which she declined. I then informed her to send me the information in writing. 

On Tuesday, XX/XX/2022, I received a letter from the bank. I immediately rushed over to the bank in my area. I was informed that TD Bank had already closed the account. Not only was the account closed, but the subject paid the overdraft fee. I was provided with information to report to the three credit bureau agencies, FTC, and Social Security fraud line. The teller also told me that I was not the only person that has reported on identity theft/fraud. The bank seems to have a high number of fraudulent activities. 

After leaving the bank, I went to the XXXX XXXX Police Department and filed a report. I was advised of the same reporting. The officer also told me that they had increased reports from individuals reporting the same situation with TD Bank. 

I contacted TD Bank Fraud Department, reported the matter, and requested more details. I would need to wait until the investigative team completed the investigation and provided me with the report, which should provide me with more information to report to the respective agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
The military star card of the navy exchange sends letters to my commanding officer anytime i am past due on payments and has done this for years.

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 2022-03-02 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: DISCOVER BANK
State: MA

Complaint narrative:
I filed a dispute last month and Discover card responded with a 2 page letter. Their letter was a giant lie. On page 2 they say that they will " continue to report the account to consumer reporting agencies as " disputed '' until I advise Discover to remove ''. As soon as the XXXX  closed the case they removed that dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: WI

Complaint narrative:
I sent in evidence, also an FTC report stating the accounts I am disputing isnt mine. And still Experian and XXXX are giving me a hard time! This is torture and very depressing.

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 2022-03-02 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: NY

Complaint narrative:
They stated that they verify the information as being correct but it not reporting correctly on all three credit bureaus.

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 2022-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
On XX/XX/2022 I called Rushmore Loan Management Services to remove my banking information from their system. I received a letter from Rushmore on XX/XX/2022 that stated my mortgage company has been changed to XXXX XXXX XXXX. However, I was told by the representative ( I do not remember his name ) that he did not have the capability to remove my banking information I was told it was submitted to the IT Department. I then asked if I could receive some form of correspondence that shows that the issue has been raised to be resolved, I was told no, which does not make any sense. The representative told me to check back in a week when the issue should be resolved. I waited two weeks. I called Rushmore Management Systems again on XX/XX/2022 and spoke with XXXX ( XXXX ) who told me that my banking information is still there ( for some reason, whenever I told them that they are no longer my mortgage company, they keep saying yes I am ) Further, XXXX ASSURED me, that from my request again on XX/XX/2022 after my INITIAL request on XX/XX/2022 that my banking information and account with Rushmore Management Systems has been deleted. XXXX also ASSURED me that my banking account will NOT be charged. That was not true, on XX/XX/2022, a payment withdrawal from XXXX RLMS ACCOUNT in the amount of {$1300.00} was taken out of my bank account. Now, my account has been charged TWO MORTGAGE PAYMENTS. 1 from my current mortgage lender and 1 from Rushmore- the incorrect lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: GA

Complaint narrative:
TO WHOM IT MY CONCERN, I'M ASKING FOR HELP AND WILL ATTACH ALL DOCUMENTS FOR THIS MATTER. I AM A VICTIM OF IDENTITY THEFT AND I HAVE TO CONSTANTLY TRY AND RECTIFY THE EFFE CTS AS ACCOUNTS, NAMES AND ADDRESSES THAT HAVE BEEN USED FRAUDULENTLY CONTINUES TO REPORT TO MY CREDIT REPORT. THE ACCOUNTS ARE IMPACT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NAMES ARE XXXX XXXX, XXXX XXXX, XXXX XXXX AND ADDRESSES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. PLEASE SEE ALL DOCUMENTS ATTACHED. THESE ACCOUNTS ARE AFFECTING MY LIFE AND IS CAUSING ME AND MY FAMILY BIG ISSUES WITH NOT BEING ABLE TO MOVE AND LEAVING US WITHOUT TRANSPORTATION.

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 2022-03-02 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: GA

Complaint narrative:
TO WHOM IT MY CONCERN, I'M ASKING FOR HELP AND WILL ATTACH ALL DOCUMENTS FOR THIS MATTER. I AM A VICTIM OF IDENTITY THEFT AND I HAVE TO CONSTANTLY TRY AND RECTIFY THE EFFE CTS AS ACCOUNTS, NAMES AND ADDRESSES THAT HAVE BEEN USED FRAUDULENTLY CONTINUES TO REPORT TO MY CREDIT REPORT. THE ACCOUNTS ARE IMPACT XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NAMES ARE XXXX XXXX, XXXX XXXX, XXXX XXXX AND ADDRESSES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. PLEASE SEE ALL DOCUMENTS ATTACHED. THESE ACCOUNTS ARE AFFECTING MY LIFE AND IS CAUSING ME AND MY FAMILY BIG ISSUES WITH NOT BEING ABLE TO MOVE AND LEAVING US WITHOUT TRANSPORTATION.

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 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
We received unsolicited debits cards and checks from TD Bank.As stated, we did not request the cards or checks. 
On XXXX XXXX we contacted TDBank and spoke to the fraud department.They told us that the account associated with the cards and checks had been closed and that a " restriction '' was placed on anything with my name. 
We are extremely disappointed in the fact that TD Bank allowed the cards and checks to be sent to hundreds of people in an unsolicited fashion. 
The fact that our personal information was used caused us much trouble and XXXX and hope that TD Bank suffers from their greed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX. I returned the item on Saturday, XX/XX/XXXX. XXXX tracking shows that the item was received at an XXXX facility in XXXX Indiana on Tuesday, XX/XX/XXXX. XXXX customer service informed me that a refund was initiated on XX/XX/XXXX. I waited for 3 to 5 business days, but the refund never reflected on my credit card account. I contacted Synchrony Bank and they do not see a refund either. I am being given the runaround by both parties, and have waited nearly a month for my refund. This has negatively affected my credit report and is hindering my ability to make purchases using this credit card. 

Order date XX/XX/XXXX XXXX # XXXX Order total {$2000.00} ( 1 item ) Amazon.com Store Card ending in 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 monetary relief
Consumer complaint received 2022-03-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX of XXXX, XXXX of XXXX, and XX/XX/XXXX I sent certified letters to XXXX, XXXX, and Transunion demanding verification of XXXX XXXX and all of the documentation for verification of the account to be provided to me. I sent the requests via certified mail and never received any documentation of the verification ; and the transaction was updated to include more erroneous information. 

I sent certified letters requesting the following 1. The name of who verified 2. Documents that show I agreed to pay 3. Agreement that grants XXXX XXXX authority to collect alleged debt 4. Purchase Agreement 5. My signature saying I agreed to pay debt If you can not send me this information I demand you to remove the account. If not I will be taking this into litigation for willful non compliance pursuant to 15 USC 1681n and will be expecting and invoice for {$1000.00} per violation.

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 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2022 I deposited a check in the amount of {$3800.00} using the ATM located at Regions located at XXXX XXXX XXXX XXXX, TN XXXX. The check that was provided to me is from the XXXX XXXX Assistance which helps individuals who are struggling with their rent and utilities. This organization is paying two months ' rent for me and my family which would stop the eviction process BUT Regions has put a 10-day hold on the check-in which I may be evicted. The email that was sent to me from Regions states " If you were not informed at the time you made the deposit that a hold would be placed on the funds, and the item you deposited is eventually paid, we will refund any fees for overdrafts or returned checks you may incur solely from the delay that we have placed on these funds. You may visit any Regions branch to get a refund for such fees.

We are sorry for any inconvenience this may cause. If you have any questions about this notice, you can : '' I was not informed right away about the hold, after speaking with an agent at regions, she explained to me that once I deposit the check into the atm it will post the next morning are if I could make it to the bank before they close, I would be able to receive my funds right then. I did not make it on time so I did what the agent suggested by depositing into the atm. The funds did not post as she suggested, so I called back on XX/XX/2022 and was told by a different agent that they are going to hold the check until the XXXX of XXXX. I asked her why and she explained to me that is unusual for them to hold a check under {$5000.00} but that is what their system is telling her. I explained to her that is the second time this has happened to me at regions.

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