vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened Citi Priority Account in late XX/XX/2021. After a few days, Citi bank locked my account due to fraud protection and took more than a month to unlock my account. During the time under investigation by fraud protection team I did not deposit any fund to the account. After the account is unlocked, I deposited new fund over {$50000.00} in total to Citi Priority Account. Finally Citi declined me the welcome bonus offer as they said I didn't put money in in the first 20 days.

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 2022-04-06 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: WI

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX XXXX account # 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

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX XXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: MD

Complaint narrative:
I found this account under my credit reporting that I did not authorize, nor provide consent for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: FL

Complaint narrative:
I Have recently had my identity compromised ( or just recently found out about it ). My unemployment was defrauded in the the Sate of New York. Than I found out that someone is using my name and personal information to obtain a state id in the state of Pennsylvania. I now started moderating my credit and seen that there is a Fed Loan, XXXX XXXX in my name for {$43000.00}. Opened up XX/XX/2020. I reported it to be fraud to credit XXXX and called XXXX and XXXX etc. I was told I need to make a report here. I am trying to get this figured out. I have reached out to Fed Loan Multiple times and Have not been able to make any progress with them despite even taking off from work to spend XXXX hours waiting on the phone with them. I am current on my student loans on all my payments. I have never been sent any correspondence from this Fed Loan Company and our have done any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: CO

Complaint narrative:
I have personal loan with LendingClub ( account # XXXX ). I refinanced my house, as part of that refinance, my bank ( XXXX XXXX XXXX XXXX ) paid off this personal loan. A check for the amount of {$12000.00} was mailed overnight on XX/XX/XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The check cleared on XX/XX/XXXX but was never credited to my account. My account has a non-optional autopayment that comes out every month on the 24th. As my payment date approached and the account was never credited, I called the customer service line but was told that it could take " 10 to 15 '' business days for my account to be credited. After the auto-payment came out on the 24th I contacted customer service again, this time well outside the " 10-15 '' day window. After explaining the situation, the customer service agent spent some time looking into it but was never able to resolve the issue. They escalated my issue by " submitting a ticket '' to their " treasury department '', this was on XX/XX/XXXX. I was assured that someone from their " treasury department '' would respond to me within XXXX hours. After XXXX hours came and went without a response, I contacted them again. I gave the customer service rep the exact same info I had already given others several times and all they could do is submit a ticket to treasury. It has now been XXXX weeks since LendingClub deposited the payoff amount for my loan but they still continue to take autopayments and charge me interest. It has been 10 days since my " ticket '' was submitted to their treasury department and I still have not had XXXX single communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank received XXXX payments for my Fixed Rate option as part of my Home Equity Line of Credit and misapplied my XXXX and XXXX payments causing my Credit Line to be revoked, negative reporting to my credit bureau, and late fees attached. I spoke with Truist on XX/XX/XXXX who corrected the payments ( reflected after processing on XX/XX/XXXX ). However, they have not yet reinstated my credit line, removed the negative reporting on my bureau or responded to inquiries to their XXXX escalation line made by phone and email. With hold times more than XXXX minutes, it is not acceptable to not respond to inquiries made via electronic communications including their website, XXXX and email. I need this to be resolved as soon as possible as they are restricting my ability to borrow which if not resolved, may impact my ability to borrow on other credit products. There has been no response from Truist at any level.

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 2022-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
To Whom it may concern, I have tried to work with Net Credit and its customer service representatives over the phone, but I have not received acceptable results. In addition, I have read my contract, but the contract is not defined. For example, nothing in the agreement states interest rates or what percentage of my payments are going back to my principal balance because the contract hides the facts of the line of credit payment facts from consumers. 


Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This week

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 2022-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I received a loan modification offer from Select Portfolio. I had until XX/XX/22 to send in the sign agreement. Since I had been struggling to pay my mortgage due to income reduction for quite sometime, I was forced to file XXXX  XXXX. While trying to pay a mortgage and an extremely high Trustee payment I took a part time job which ended due to Covid 19. I was finally told I could enter a forbearance. Later I was given the modification. As of today my account hasnt been updated. I called to speak with a mgr and I was told that the information that I sent in signed and notarized was incomplete. After calling numerous times and getting the runaround, XXXX months later and no contact from sps, finally to let me know that a page hadnt been notarized. I have to do this all over again and pay again to send it to them. When I asked why no one had contacted me about this, she could not give me an answer. In the meantime my attorney & The Trustee are asking for the paperwork from them. This company has representatives that you can talk to on the same day and each one will tell you something different! I have been back and forth with Select Portfolio for years just to ask something simple and they tell you what they think will get you off the phone quickly. The handling of this is very unprofessional. I asked about the mortgage payments that I had been sending. At first she only saw the one I sent in XXXX. She finally found the one I sent on XX/XX/XXXX, but never answered my question whether it went toward the modification agreement terms. When I go online it shows that they are updating my file and had received my signed agreement. I just dont understand how they just get away with this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I felt obligated because of the card sent in the mail which i didnt request but I still got it and then they wouldnt put it on credit protection during COVID because of a loss of job & loss of grandma.. I had to move because she died and then they closed their store!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XXXX XXXX, 2022 i received a copy of My experian credit file and noticed Experian has added an address, social security number and an account to my credit file that does not belong to me. i contacted Experian the same day and was told to send a copy of my id and social security number and they will investigate and remove the social and accounts. today is XX/XX/2022 and the social security number and account is still being reported in my credit profile, today i tried to dispute it again online and got an error not allowing me to dispute although its not my social security number or accounts.

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 2022-04-06 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: FL

Complaint narrative:
I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received a loan and it was direct deposited into a Venmo account. After a few days I was trying to transfer the money into my checking account so that I would have the money in there to cover my rent. It kept denying my transfer and then sent me an email to verify my identity and that my account had been frozen. I sent my drivers license and card customer service, my account had never been frozen before and I have other transactions with them. And they have also had a copy of my drivers license before because I deposited a check into the account with no problems. I contacted customer service and they said there is nothing that they can do and that the team that handles that there is no way that you can talk to anyone. I advised him that I needed my money transferred to the other account because I need it to pay my rent. I advised them I had gotten the loan to pay my rent and it was deposited into their account I can not afford late fees or any other charges they continue to tell me theres nothing that they could do that I would have to wait at least 4 to 5 days for them to verify my identity, which mind you has been verified already. And in the meantime I could not touch the money in my account that the account had been frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I made my very first payment and set up the payment along with auto pay on XX/XX/XXXX. I finished setting everything up online and questioned whether I did everything correctly or not. After I completed everything I called the company to ensure that I had set everything up correctly. I spoke to an agent named, XXXX. He looked and said everything looked good as far as my payment and the amount I wanted to pay. The amount was supposed to be {$1500.00}. The next day a grand total of {$4700.00} was drafted from my account! I immediately called back to see what could be done to correct this issue. I was promised a refund minus what I owed ( {$1500.00} ). I explained that I needed my funds as soon as possible due to the need to pay other bills! They stated that there is no way to expedite my refund and that any costs I incur as a result of this issue would be mine to bear. They also processed my refund incorrectly and only intended to refund me in the amount {$1500.00} despite being charged {$3100.00} over what I intended to pay ( {$1500.00} ). Today, I spoke to a XXXX who was not only rude, but refused me his XXXX. The response I was given was unacceptable! They said that they did not care that I was filing this complaint or about any other measures I would take for resolving 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 explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
RE : 1 ) MISSING-IRS FORM 1098 MORTGAGE INTEREST STATEMENT FOR 2021 2 ) Online Access to Tax Forms and Account Statement BLOCKED and unavailable 3 ) Request Lender receive XXXX Loan Modification Guidelines and Discrimination Practices. 

Hello, While there have been a multitude of problems with this lender and their predatory lender practices. Today 's primary complaint has to do with not being able to get the XXXX to issue a copy of my 2021/1098 Tax Mortgage Interest Statement. Problem # 2 ) Request Bank of America to " UNBLOCK '' borrower 's access to her online banking records and statements ; XXXX ) Ensure BofA has a copy of XXXX Loan Modification Guidelines ; For the purpose of this complaint ; I am a single Female XXXX years old suffering with some physical XXXX ; however remain gainfully employed. 

In essence, after repeated request to the Financial Institution. And the Tax Deadline coming up in approximately ( 1 ) week. It is urgent for the completion of my 2021 Tax Returns that I have my 2021/1098. In addition, for B of A to STOP blocking my Accounts online statements. There is no excuse for the Bank to not issue my 1098 or to block my account statements. These practices are inexcusable and shady. How can we have a productive business relationship under these circumstances? Last, to prevent further account abuse. Can CFPB, please provide the lender with the XXXX for XXXX XXXX XXXX? Due to the fact, we have been working on getting my loan modification processed before further Federal Reserve Int Rate increases. 

I so appreciate the CFPB. Consumers are very lucky to have this governmental body watching out for us. I am very grateful. 

Sincerely...

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 2022-04-06 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-04-06 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-04-06 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: MS

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-04-06 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: MS

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-04-06 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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.

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