vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been a SunTrust customer for decades, when it was XXXX XXXXXXXX XXXX. 
On XX/XX/XXXX I wrote a check for {$47.00} to pay my water bill. I mailed the check at the U.S. post office. 
I discovered on XX/XX/XXXX that the check had cleared my account on XX/XX/XXXX for {$6300.00}. I called SunTrust on XX/XX/XXXX and spoke to a person who said she could see that the Payee, Date, Amount, and Signature had been altered. The fraud department opened a case number to investigate what had happened. 
I found online information about the fraudulent payee and took it to my branch on XX/XX/XXXX to be shared with the Fraud department. 
On XX/XX/XXXX I called the Fraud department. An escalation was placed on the case and I was told to expect a response in 2 business days. 
I called again on XX/XX/XXXX and was told there was no activity on the case. 
I called again on XX/XX/XXXX and was told the case was in process and usually takes 120 days and I should expect finalization by XX/XX/XXXX. 
I called on XXXX XXXX and was on hold for 45 minutes with no response.

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 2022-01-20 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: MS

Complaint narrative:
Spoke with XXXX XXXX from XXXX XXXX who verbalized over the phone though I requested in writing a copy of documents utilized for disputes for inaccuracies collection accounts, address inaccuracies, employment information, and prevention from accessing my electronic credit file. XXXX and stated that we are not going to give this information, we do not utilized any particular documents to validate debts reported, and that you can subpoena them if I wanted any information. The negligence and malicious management of XXXX as well as there abuse for management of my credit file has result in years of damage to my credit reputation. They continue to violate my consumer rights according to FCRA and do not properly investigate disputes or inaccuracies. 


After speaking with XXXX a dispute specialist with XXXX, she also failed to explain how my disputes for inaccuracies were properly investigated and how they were closed with minutes apart after submitting information that proves the inaccuracies should be deleted. I have submitted more than 3 disputes for collection accounts, address inaccuracies, other personal information, and employment information that is inaccurate. I also submitted a certified letter to correct these inaccuracies in XX/XX/2021 with a copy of my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: MS

Complaint narrative:
Spoke with XXXX XXXX from XXXX XXXX who verbalized over the phone though I requested in writing a copy of documents utilized for disputes for inaccuracies collection accounts, address inaccuracies, employment information, and prevention from accessing my electronic credit file. XXXX and stated that we are not going to give this information, we do not utilized any particular documents to validate debts reported, and that you can subpoena them if I wanted any information. The negligence and malicious management of XXXX as well as there abuse for management of my credit file has result in years of damage to my credit reputation. They continue to violate my consumer rights according to FCRA and do not properly investigate disputes or inaccuracies. 


After speaking with XXXX a dispute specialist with Experian, she also failed to explain how my disputes for inaccuracies were properly investigated and how they were closed with minutes apart after submitting information that proves the inaccuracies should be deleted. I have submitted more than 3 disputes for collection accounts, address inaccuracies, other personal information, and employment information that is inaccurate. I also submitted a certified letter to correct these inaccuracies in XX/XX/2021 with a copy of my identification.

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 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
XX/XX/XXXX Valley National Bank withdraw {$1400.00} - Bank was not authorized to proceed with that transaction The Bank failed to inform me that I don't have active flood insurance on file. Since XXXX I always had property and flood insurance. My insurance agent had all my information and was always contacting the bank. 
Bank contacted me in XX/XX/XXXX ; my insurance expired in XXXX XXXX it was way too late because Bank decided to purchase insurance for me and post charges of 1,400.00 ( 4 months coverage ) on my account and withdraw money from my account without my authorization almost a year later in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2021. A consumer transaction in which a Finance Charge was involved. XXXX XXXX XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX took cash. The Finance charge is supposed to include insurance, but XXXX XXXX XXXX XXXX made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TX

Complaint narrative:
XXXX XXXX is reporting a loan tradeline to my consumer credit file. This is a violation of the FCRA as I never authorized a loan with an energy company. I'm not sure if that is even possible. Next, there was never an opened date or payment history on this alleged loan appearing on my credit file. I never authorized this account nor was I aware that it ever existed as there is no reported payment history or date opened. This account alleges to be a loan tradeline. This entire tradeline reporting is false and is out of compliance with the FCRA. XXXX never provided a loan to me. Credit Bureaus are required to ensure that only accurate information is being reported. This entire tradeline is false. I did not accept a loan from 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 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On or about XX/XX/2021, to JP Morgan Chase & Co. credit, notified me via text of a potential fraudulent charge ( see attached text messages ). The text prompted me to respond Yes if it was a legitimate charge or No if it was not legitimate. I responded No and received a message thanking me and advising that my card was closed and I would receiving a replacement card. In spite of having notified JP Morgan that the charge was fraudulent, JP Morgan proceeded to allow additional similar ( almost identical ) charges to the point my account was left with no funds. 

The response from JP Morgans fraud department to my claim was very generic. Essentially stating that I authorized the charges. Based on the CFPBs XX/XX/2021, updated guidance, unauthorized efts include those transactions resulting from consumers being fraudulently induced into knowingly providing account access to bad actors. I was a victim in this case. 

After the initial response, an attorney agreed to write a demand letter free of charge, as I can not afford a retainer to recover funds that are less than a retainer. The response in response to the demand letter now states that the bank emailed me and that I supposedly authorized the charges via email. I have no emails, this was done by text message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: VA

Complaint narrative:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: VA

Complaint narrative:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain credit.

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 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/22 I made a wire transfer to the person name XXXX XXXX XXXX {$48000.00} Routing XXXX, account number XXXX. On XX/XX/22 another wire transferred {$14000.00} to the same person & same account number. That persons address XXXX XXXX XXXX XXXX XXXX Tx XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I sent a billing error dispute through US Postal Certified mail on XX/XX/2021. The customer service team confirmed that they received my I have called several times for an update on this resolution and they have not sent any correspondence through the mail acknowledging that they are still working on this matter. It has now been 3 billing cycles ( 94 days ). I am now demanding that the late payments AMEX submitted to the CRAs be removed for the months of XXXX and XX/XX/2021 as AMEX went against their own terms and tried to collect on a disputed amount and reported negative activity to the CRAs. I am also demanding a lawful refund of all payments made toward the disputed amount in the total of {$3400.00} as AMEX received my dispute and chose to not respond to my dispute. Pursuant to federal law, CFR XXXX ( f ), AMEX did not resolve this dispute nor send an explanation or provide documentary evidence as requested in the debt validation letter sent on XX/XX/2021 as well. Therefore I am demanding the remedies set forth in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CA

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the XXXX of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CA

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The XXXX  and XXXXl health is under attack by the XXXX of this companies ' actions. They harass me and my XXXX by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was in a XXXX  XXXX Bankruptcy for 5 years. My Bankruptcy was XXXX on XX/XX/XXXX. I satisfied all my delinquent payments with Third Federal. I called Third Federal toward the beginning of XX/XX/XXXX ( I cant remember the exact date ), to request online access to start making my mortgage payments. The representative stated that I would not be able to have online access to my account due to my bankruptcy. I explained that my bankruptcy has been XXXX. She explained that because I had a bankruptcy I would never be able to access my account online, and that it was Third Federals policy. 
I can understand not being able to have access to your account online while in an ACTIVE bankruptcy, but I don't understand why I wouldn't be able to have access after it has XXXX. 
This practice is bias and prejudice. I completed my bankruptcy, I am current on my payments. I should be afforded the same conveniences as other customers. Third Federal should not be permitted to make it harder for me to make my payments. I should not be forced to go into a branch, especially during a pandemic, or use a break or my lunch at work, to make a call. I should be able to pay my mortgage online like I pay all my other bills. I should not be discriminated against because I fell on hard times and had to file a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IL

Complaint narrative:
I have talked several times with the amerisave mortgage company that my refinance is not ideal at the moment and he force me to the next level and convivence me from his sweet tongue and no of mortgages in the past 2 years he had done, first he offer me that {$220000.00} loan amount with 1440 cash out and $ XXXX monthly mortgage savings and he made me to pay for appraisal. 
the offer to look to me ok and I paid for appraisal cost which is {$500.00} and the property appraised as what we expected,. 
then when finalize the deal with other documents, they change their offer 2 times and the result was ended up with only $ XXXX monthly savings and charging with {$12000.00} closing cost. 

this is kind of a fraud they are doing with people offering them, cash out, lowering monthly payments and make them to pay for {$500.00} for appraisal and then rejecting their application and mess up with people credit points as well. 

I want my {$500.00} dollar back from this guys XXXX XXXX, he is fraud and cheater.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX I was charged {$3700.00} on my Capital One Journey ending in XXXX for a catering service for my business fund raising seminar. The company went by the name of XXXX XXXX. The date of expected service was XX/XX/XXXX but I didnt receive the service because the company stated that they couldnt book the venue due to XXXX restrictions. I tried to be patient and understanding, but when I asked for a refund, the company changed their contact information and XXXX  me on all social media platforms. I asked for a refund due to a lack of communication and service not being performed. This left me no way to contacting them. The company never detailed any cancellation policy information. I tried to contact the individual via text message. She responded to me up until I asked for a refund on XX/XX/XXXX of XXXX. She stated that her business partner was supposed to contact me but he never did. provided the necessary documents and they are stating that the merchant forwarded them information about the dispute, but Capital One never sent me the information that the merchant sent to them. They closed the dispute without providing me the information that the merchant sent to them and they are claiming that they didn't receive my response to their letter dated XXXX but i responded when i received the letter on the XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Today XX/XX/2022 I attempted to remove a security freeze from *MY* experian credit report. This needs to happen because according to a credit union Im being denied bank accounts due to the freeze unless the freeze is removed in a few days. 
I called several time and was unable to reach an agent. The only option the robot offered was to send my personal information ( Copies of IDs and bank statements ) through the mail. That costs me money, time, and is slow and is extremely un-secure. They have a self service portal which wouldnt upload my copies and a freeze removal option which also doesnt work. And the phone number listed to get to an agent which is different from the main number just takes you back to the main robot. 
This is my personal information on my personal credit report. It should not be this hard to manage my personal information. Again if it was just a XXXX question fine but as I said earlier this is going to deny me a banking product and that seems really messed up.

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