vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
I called Truist Bank 3 times and was repeatedly hung up by a female ( same one 2x ) and a male 1 x. 

I explained i was having a financial hardship and I needed an extension. The first time the female hung up on me when i called back she hung up again. When i called again i got a male voice who took my information I explained the issue I was having and that the female hung up on me. At that point he said I'm going to put you on a 2-3 min hold and then he hung up. I could hear laughing in the background. 

the 4th time I called back I asked to speak to the manager. I got a woman name XXXX who said that they would do an investigation. I still did not get the extension even though I explain we were going through a financial hardship and there was a loss of income in my family. 

The bank showed they didn't care and were not willing to help or work with me and just repeatedly hung up. Im trying to avoid a repo. and I was just 37 days past due. 

It was the worst display of customer service I have ever experienced by a bank. If they are not willing to help their customers. I will find another bank who is.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to check from your end if you have either received or not my previous letters via mail and via CFPB? It seems that I havent obtained any resolution from you guys with the result of my request for reinvestigation and the removal of all the disputed negative items. I have already told your department a couple of times about these inaccurate and misleading accounts below that they should be automatically removed since they werent supposedly issued on my credit report in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have 3 mortgage loans being serviced with PNC Mortgage. I also believe I have an impeccable payment history thru the 17 years these loans have been in servicing. For some reason, in XX/XX/XXXX, the payments of each of these mortgages were not credited to the account until XX/XX/XXXX, 1 day past the grace period allowed before a late fee is assessed. The payments were sent electronically on the XXXX to the bank, before the expiration of the grace period. I asked the bank to review and consider crediting the late fees, which total over {$200.00} between the 3 loans. But the representative indicated she could not waive them because ( 1 ) she could not verify they were electronically sent on the XXXX, and ( 2 ) they had previously waived a late fee for in XXXX of XXXX. ( almost 13 years ago ). What bothers me is the fact I know the payments were made thru their electronic servicing system on XX/XX/XXXX and they were unflexible in taking action to recognize it and accept the payments without penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife 's purse was stolen from our car on XX/XX/2023. That same day someone tried to cash a check against our account. Thankfully a banker at the XXXX XXXX, FL branch of our bank caught it and put a fraud lock on the account. However, on XX/XX/2023 we had {$1900.00} deducted from our savings account for a returned check. I went to the XXXX, FL branch and they showed me the check that someone fraudulently cashed using my wife 's ID. Apparently this was at another branch and it wasn't caught. The signature wasn't even CLOSE to her signature either on her ID or the signature card on file with the bank. 5/3 opened a fraud packet on the incident but said the investigation could take 30-180 days. I'm not satisfied with this at all. Seeing as how the signatures were nowhere near a match, this was very lazy on the part of the bank representative who cashed our check. This should be a very clear cut case and I should have these funds made immediately available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Fresh Holdings Inc
State: DE

Complaint narrative:
I opened an account with Creditfresh in XXXX, XXXX. Had issues with repayment starting in XXXX. Spoke to several reps that gave incorrect information regarding credit reporting, status, etc and filed a complaint. 

I was told that I had until XXXX   to bring the account current to avoid default. On XXXX the account was placed in default, which resulted in credit reporting. 

Numerous times I have become aware of phone calls being recorded without being made aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Hi, My company gave me a {$300.00} Amex gift cards as a bonus and I'm unable to use it anywhere ( including XXXX and XXXX ). It just says : " Transaction declined. '' This seems to be a common occurrence with Amex. I'm happy to give you my gift card number. 

I called the number customer service number on the card which was of no help. The auto response said to try another vendor and then it hung up on me which I tried to reach an operator. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
Per the Fair Credit Reporting Act as a federally protected consumer, I am opting out, rescinding of any and all authorization. I the consumer may have given you ; written and unwritten, verbal and non-verbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.

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 2023-12-12 00:00:00
Product: Credit reporting 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: PR

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 confidentially under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 USC 1681 s-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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

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 confidentially 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 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 USC 1681 s-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Unauthorized Hard Inquiries on my account include ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX I noticed an account on my credit report that did not belong to me. I contacted XXXX Bank, XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX, and I could not get information as that I did not have ALL the correct information. My social security number and date of birth were correct, but address and phone number were wrong. I filed a complaint with Equifax, XXXX, and XXXX on XX/XX/2023. I filed a Identity Theft report to XXXX Police Department, XXXX Oregon on XX/XX/2023. I received a letter from Equifax stating the credit account belongs to me, despite me not knowing any information or having access to it. I called XXXX bank again on XX/XX/2023. Once again since I didn't have the right information aside from XXXX and XXXX, I was not allowed to get any information about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I sent money to someone on cash app it took the money from my cash app went to send it but put the money on hold and had it pending for 5 days couldnt talk to anyone until Monday morning they said they would cancel the funds and put them back they canceled it but never put the funds back in my account talked to someone again they got very disrespectful told me they didnt see the transaction told me no money was taken when it was cause I have screens shoots of everything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal prominently advertises its purchase protection service for instances when a buyer does not receive the item for which they paid. On XX/XX/2023, I purchased a smart phone for {$800.00} from a private seller on the mobile phone XXXX XXXX, induced by Paypal 's purchase protection promises. When the seller 's shipping partner misdirected the package and the seller refused to provide a refund, I requested that Paypal make good on its purchase protection promise. However, in case # XXXXXXXX, after a cursory inquiry in which Paypal refused to review my evidence, Paypal summarily closed out the inquiry and refused to provide purchase protection on the basis that the seller had shipped the item ( which is true, but ignores the fact that the seller 's shipping vendor misdirected the package such that I never received it ). Specifically, I have documented correspondence directly with USPS Consumer Affairs confirming that USPS mistakenly misdirected the package and apologizing for the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: GA

Complaint narrative:
I have attached a cease and desist letter and a letter requesting that this alleged debt be validated by Coast Professional , Inc. I do not have any agreement with this company nor do I owe Coast Professional, Inc. anything! I do not know why this company has any of my personal information. Coast Professional , Inc. is attempting to collect an alleged debt amount that is not accurate and I have proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
On XX/XX/2023, XXXX XXXX XXXX, VA provided me my " 2023 Tax Relief Approval Letter '' which granted me the following relief for " 100 % of Real Estate Taxes and 100 % of the Solid Waste Fee. '' On XX/XX/2023, I submitted my 2023 Tax Relief Approval letter via email ( XXXX ) to PHH as instructed by the PHH telephone customer service representative. 

On XX/XX/2023, PHH recorded a Tax Refund of {$2600.00} based upon XXXX XXXX XXXX, VA 's 2023 Tax Relief Approval letter. However, they have continued to keep this amount. 

According to " XXXX, '' the PHH representative, after I submitted a copy of the 2023 Tax Relief Approval Letter, PHH states their " Tax Department '' updated their records believing the " taxes were only partially exempted, '' but did not deny my Tax/Escrow relief. PHH states my tax could not be processed without a new " estimated '' or " final tax bill. '' However, the said my request was not denied. 

It should be noted, PHH never communicated with me after I submitted my XX/XX/2023 letter. Additionally, they never communicated a need for a new " estimated '' or " final tax bill '' to either XXXX XXXX XXXX, VA or to me. This seems to be a major lapse in PHH 's operating procedure. 

As it stands, PHH states I will not receive my {$2600.00} tax refund until a escrow analysis has been performed. This should have been done at the first instance. Additionally, PHH should have communicated the need for more information. 

As a result, PHH has been sitting on my tax refund and has continued to collect my full escrow amount depriving me of money that would be due in an interest bearing account as well as affecting my ability to reduce my interest payments. I request my refunds be applied to my principal as soon as possible. Thank you.

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 2023-12-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX

Complaint narrative:
This man keeps calling my employer and threatening to come up here and give me documents and is very rude and after being told to not contact my place of employment keeps calling and calling my line, customer service operator.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
CAPITAL ONE 360, Account # : XXXX Open Date : XX/XX/2022. Account closed and reported under my name on Early Warning Systems. This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account. Attached is the FTC Report, Police Report,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America sent an email telling me to unfreeze my credit so they could issue a credit card. Also someone tried to open a Bank of America online account. Also XXXX XXXX XXXX sent me a letter telling me my application for a loan was denied since i have my credit frozen. I did not make and application. It was sent by XXXX XXXX XXXX on line for financing.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX sent information to all three credit companies for the consolidation of the student loan. Equifax and XXXX stated they did not received this information. Student accounts are still showing as separate loans. For Equifax the credit score dropped XXXX pints on XX/XX/XXXX. No information on my credit have changed. The student loans are current and on time. A XXXX account and a XXXX XXXX account have been removed from XXXX and the score went up XXXX point for each account removal due to fraud. XXXX also stated that they do not received the student loan update information in XXXX. I will be moving forward with submitting documents to move forward with a law suit on all theee bureaus due to Harassment misuse of the credit reporting or XXXX handling of the credit reporting I have been lied to several times by all three bureaus. They have withheld information stating they did not received information from companies that would be positive reports. I am suing for discrimination harassment stress and defamation of character and loss of financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX sent information to all three credit companies for the consolidation of the student loan. XXXX and XXXX stated they did not received this information. Student accounts are still showing as separate loans. For XXXX the credit score dropped XXXX pints on XX/XX/XXXX. No information on my credit have changed. The student loans are current and on time. A XXXX account and a XXXX XXXX account have been removed from XXXX and the score went up XXXX point for each account removal due to fraud. Experian also stated that they do not received the student loan update information in XXXX. I will be moving forward with submitting documents to move forward with a law suit on all theee bureaus due to Harassment misuse of the credit reporting or XXXX handling of the credit reporting I have been lied to several times by all three bureaus. They have withheld information stating they did not received information from companies that would be positive reports. I am suing for discrimination harassment stress and defamation of character and loss of financial gain.

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