vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX  I was charged a late fee of {$39.00} by TRUIST. They said my recurring payment was not set up properly. On this day I was on the phone with a representative for about 45 minutes and had him make sure my recurring payment was set up properly so that this would not happen again in the future. They were kind enough to refund my late fee on this day and I was thankful for the refund. 

On XX/XX/ I was hit with another late fee on the same account for my recurring payment apparently not being set up properly. I was under the false positive impression that my recurring payment was set up correctly from my previous customer service conversation and late pay situation on XX/XX/. 

On XX/XX/XXXX  I was called by TRUIST in an attempt to collect a payment on my now past due account ( this was news to me ) I then explained to them that a representative would have helped me set up my recurring payment in XXXX why has it not been paying? They then told me today that my recurring payment was not set up properly and was cancelled ( I did not cancel this nor could they tell me who cancelled it or why it was cancelled ) I then was told about a different method to set up recurring payment today which requires me to send in a signed document ( this was never mentioned to me on my previous interaction with TRUIST in XXXX ) I was charged a late payment this time again of {$39.00} and they refuse to refund me for this late fee even though it is their fault for assuring me my recurring payment was set up correctly but it was not. 

These kinds of things happened to me when they were BB & T this is very unfair. I'm being penalized for their technical and/or customer service related incompetence.

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 2023-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
LVNV Funding LLC is unlawfully making attempts to collect a debt and currently reporting a collections debt of {$770.00} to credit bureaus. This is being reflected on my credit report. They are not licensed to operate in Delaware, my state of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
I was divorced in XXXX and filing for a release of liability through phh mortgage to get the ex removed from the mortgage. 
XXXX - they received the release of liability package XXXX - the release of liability goes to underwriting XXXX- they cash the check for the release of liability processing fee XXXX - the do a hard credit inquiry call repeatedly between XXXX and XX/XX/XXXX. Told that it take 40-60 business days for the underwriting department to process the request. 

It is now day 62 and they again checked my credit XX/XX/26. I call again and the escalation manager tells me someone is going to call me today but he has no information. 

I am under court order to complete this process in 120 days, 120 days was XX/XX/XXXX. I am waiting for the release of liability to complete so I can close on a home equity line so I can buy my wife out of the house, but can not complete this until she is off the primary mortgage. 

I have XXXX in equity in my home and only owe XXXX and have been with them 15 yrs. They can see from the tax returns in the release of liability package I have been making the payments on my own as my wife hasnt worked in 10 yrs. I make XXXX a year and have a credit score of XXXX. 

There is no reason this process should take this long.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: MO

Complaint narrative:
I was randomly on my way to the store to purchase some things and I noticed that my card was locked, I went to try and unlock it but it would not unlock little while later I tried to order a new card hoping that it would refresh and I could use my card again.It did not refresh and they took XXXX XXXX for me and I could not get it back even after I texted him on the app multiple times and called even more

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
I made some bi-weekly payments prior through my bank but the mortgage company did not apply the payments as was received. The hold the first half of the payment is a " suspended account '' until the full amount was received, then applied the full amount at the end of the billing cycle. 

I attempted to make the bi-weekly payments through to the mortgage company 's website they denied my request and said I would have to make an additional fully monthly payment then make one of the bi-weekly payments. 

I eventually complied with their request and made the additional monthly payment and first half of the following month payment but the mortgage company still does not apply the payments as it was received. They keep it in a " suspended : account and wait for the full amount then make one payment for the month. This defeats the entire purpose of making the biweekly payment. I would like the company to apply the payments to the principle as it is received. The mortgage company name is ServiceMac

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 2023-05-26 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: PA

Complaint narrative:
To XXXX Equifax XXXX : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified. I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a customer with Capital One for the past 25 years. I've never missed a payment and have paid on time in full each month since I have been with them. My current card provided a 1 % reward on all purchases. 
I recently lost my card and asked for a replacement which was received in about 10 days from my request. 
After using the card for a few days was refused by a vendor. I called Capital One and was advised that a restriction was placed on the card. The customer service rep indicated that she did not why the restriction was applied but indicated she had removed it. 
The following day I attempted to use the card again and again it was refused. 
Once again I called Capital One and was advised the the restriction was reapplied. I asked why and was told they did not know. I asked to speak with a manager and was told they did not know either but that they would not speak with me until I provided them with a photo of my driver 's license front and back. I gave them the DL number but did not see a reason to provide them with the photo as there have never been any problems with identification for the past 25 years. Again, all bills have been paid to date. 
I decided to cancel my account with them and cancelled my account after all debts had been paid. 
When I requested my Reward balance of {$550.00} they refused and advised me that as I had not provided them with the photo ID they would not return the reward. 
As the photo ID was demanded when this issue arose as opposed to anytime in the past 25 years I did not think it was appropriate and was tantamount to extortion of sorts and was used as an excuse not to return what was agreed to regarding the conditions of the card. 

Please let me know if you require anything in addition to the above. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I told XXXX XXXX XXXX to close my account because they dont credit my account for charge backs told me i was late in more than 3 years paid them XXXX XXXX dollars in one year didnt listen to me 4 months later they stole my deposit and finally closed the account and even offer them XXXX dollars and they closed my checking which they stole over the years thousands of dollars and they said it was voluntary i finally told them I am type XXXX austim which they knew so they financially abused me which is criminal the government is supposed to go after XXXX XXXX XXXX XXXX am asking Transunion XXXX and XXXX the 3 credit agencies to remove the negative charge backs and anything associated with XXXX XXXX from my credit report files ask XXXX XXXX to close account because they refused to give me any type of credit and make unsecured

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 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chyme is an unethical company. Ive tried many times reaching out to have my name change on my car for the past two weeks nothings been done. They said they change my name but Chyme is an unethical company. Ive tried many times reaching out to have my name change on my car for the past two weeks nothings been done. They said they change my name but the name on my account is still wrong. They sent me out a card the card name is still wrong. Its been nothing but a hassle and a headache dealing with these people. They cant route to resolve a simple issue. I cant receive or pay any bills because the name on my card is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: NC

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX has violated my rights.XXXX  Account # XXXX has violated my rights. Convergent Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 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 explanation
Consumer complaint received 2023-05-26 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: NC

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX has violated my rights.XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 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 explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I applied for and was granted forbearance during the Covid pandemic. All loan modification paperwork was sent back to the mortgage and approved, however it was never processed and I was never notified. I continued to make my mortgage payments not knowing the mortgage company was applying those payments to the months during the forbearance period. For the last 6 weeks I have repeatedly asked for a COMPLETE payment history from the beginning of my loan including escrow only payments that I made but they have sent only partial history. I have called the VA and they too have tried to retrieve the information and their requests have gone unanswered. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have been unemployed on and off for the better part of two years. I am currently 7 months behind on my Private Student loans serviced through Navient. 

I responded to Navient on XX/XX/XXXX to begin communication with this account and determine what my options were to get the account current, and informed Navient that I currently was unable to make a payment. 

Today, XX/XX/XXXX, I was able to speak to two representatives -- XXXX and XXXX XXXX at XXXX Extension XXXX after receiving an unprofessional voicemail from XXXX on XX/XX/XXXX stating that I was " uncooperative and unwilling to communicate properly '' and as a result he aggressively stated that " they would be forwarding my account to the compliance team in the month of XXXX. '' I obviously want to avoid my account being deliquent, possibly being sued, and having my credit ruined because of this scenario. 

I was given two options on XX/XX/XXXX over the phone after being forwarded over to XXXX XXXX, both of which must be executed by XX/XX/XXXX. 

One of the options was to make a minimum payment of around {$500.00} or to file for forebearance, which would cost {$150.00} to process. I informed XXXX that I could not execute either option today or by XX/XX/XXXX but I was still interested in exploring options. 

Unfortunately, I was not given any other options, was told that I was irresponsible and needed to take accountability for this loan and have had 7 months to make a payment. As a result, XXXX XXXX stated she would mark my account as delinquent or that I would not be making a payment. The conversation spiraled out of control with XXXX and XXXX using their tactics to try and provoke anger or get a response from me over a recorded line. 

I am wanting to make a payment and to work on bringing this account current but the limited options they are providing do not allow me the time to do so. Additionally, it is incredibly unprofessional to have the representatives from Navient laugh at me, put me on unnecessary holds, and then tell me that I am irresponsible for not keeping my account up to date.

Company response to consumer: Closed with explanation