vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America - primary mortgage and XXXX XXXX XXXX line of credit from XXXX  thru XXXX - Both banks negotiated payments to avoid foreclosure with my ex-spouse only. I was left out of all communications even though I called both banks on multiple occasions. This caused extended delays, emotional distress around divorce proceedings because all was stalled by my ex in bankruptcy court divorce court said they couldnt do anything about it.

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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent a dispute to all 3 credit bureaus to remove a medical bill that is less than {$500.00} from my credit reports and they have not removed the debt nor closed the dispute. The dispute has been open and ongoing for several weeks now.

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 2023-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
On or about XX/XX/ we recieved a letter from truist mortage saying that they had bought our loan from plant homes. The letter came a month or so after payment was due never knowing the loan was bought out they said we where a month behind, they sent packets 4 times which we filled out 4 times asking if we could defer the one loan payment until the end of the note and set up direct withdraw and nobody will get back to help us.. its ruining my credit it wasnt proper communicated to us because notification was over a month late. Their failure to communicate with us shouldnt make it a emergancy on our end.. please call

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 2023-03-21 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Comenity bank apparently took over servicing for XXXX XXXX XXXXXXXX XXXX XXXX XXXX accounts. I was not notified of this and only discovered it when some autopayments I had scheduled to be paid with my XXXX XXXX XXXX credit card were rejected because that account had been closed without my knowledge. When I was able to discover that Comenity had taken over I contacted them and began the process to get the Comenity card. I did receive the Comenity card but haven't activated it ; so nobody has that card number and it can't be used. Before I even received that card I received a bill from Comenity with charges that were invalid and had never been paid to anyone. Those charges were paid with the XXXX XXXX XXXX card previous to Comenity 's involvement and I paid the XXXX XXXX XXXXXXXX bill for those charges- I have proof. I began communicating with Comenity and opened a dispute with them on XX/XX/XXXX which they acknowledged in writing. The letter acknowledging the dispute committed not to add late fees or finance charges or report a delinquency to the credit bureaus during the dispute process. They have actually done all of that. I've made at least 8 phone calls to Comenity and sent several messages through their secure message center to get this resolved. After another phone call on XX/XX/XXXX, I was told that it would be escalated. I finally received a letter from Comenity requesting information on XX/XX/XXXX. I replied with that information via certified mail. They received that on XX/XX/XXXX. The next day their collections department called me. After explaining the problem ( again ), I was transferred to the Customer Care team ( again ) and was told the dispute would be escalated for the 2nd time. The issue is that Comenity added not only the original invalid charges, but also 15 more charges for the same vendors that they didn't pay. I have documented proof that those vendors never received any payment from Comenity. In fact, Comenity has never paid anyone on my behalf. I believe that there was a problem with the " transfer '' from XXXX XXXX  XXXX ; but Comenity has refused to acknowledge that or to remove the erroneous charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I got paperwork that I lost a lawsuit against a Forster and Garbus but was never served, never given notice of the lawsuit and now they are claiming I filed a fraud claim that I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I got a cashiers cheque with the funds that was in my account from my former bank before closing XXXX XXXX XXXX  I was told by the teller that I have up to 5 years to cash the Cheque  a year later I took it to my new bank Citi bank and deposited it. A few days later, citi bank closed my account and said that the Cheque was stale dated. Its been almost 90 days and citi bank have been going back to back with me about getting my funds. The issuing bank told me that the Cheque was cleared by citi bank but citi bank have been holding my Cheque. They investigated and told me that after 60 days they would rekease it and open my account but its been almost 90 days and still nothing. 

Cheque Valued XXXX {$25000.00} Date Deposited 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 explanation
Consumer complaint received 2023-03-21 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: GA

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. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights

. Or list of inquiries 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 1681c. ( 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 antedates the report by more than seven years. 15 U.S.C. 1681s-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 2023-03-21 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I made two payments to my chase freedom card, and one payment to my chase business ink card, then a day later chase closed my account. No warning, nothing. I have never missed a payment on either card. I have been a loyal Chase customer for years. I was planning on paying off both cards within the next month. I need my credit cards to be re-opened, as I will not have such high credit utilization on them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
Vanderbilt Mortgage is destroying my life. I am a XXXX, XXXX of XXXX children and a devoted wife. In 2021 Vanderbilt Mortgage through XXXX homes did not follow protocol by inspecting the home and land padding that I purchased from them. In result of this the state of Alabama inspector stated that the home was dangerous and I could potentially be killed because the home was set up incorrectly. I was devastated! I contacted them numerous of times, mailed letters etc and they failed to help so I gave the home back. Vanderbilt Mortgage promised that nothing negative would be placed on my credit but they lied to me. A few months after the took the home back and sold the home, Vanderbilt placed damaging information on my credit report although this was their error. Please help me and have them remove this false information from my credit report. They had a agent call me and threatened me on several occasions to pay {$20000.00} to them after they sold the home. I never lived in the home at all, the home was new. They set it up wrong and the home was damaged and shifting. Me and my family could have been killed because of their negligence.

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 2023-03-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called Capital One to transfer my CD to my savings account and the representative on the phone said to me that I had closed the Capital One CD account. I told the rep that I never closed the CD account. I spoke to 3 different representatives on the phone on the same day. This is where I was informed that Capital One closed the CD account in XX/XX/2020. The representative said that they sent a notice about the closure and I clarified to Capital One that I never received any correspondences in the mail that my CD account was closing. Capital One said that they closed my CD because it was an old account and that they transferred the money into my savings account. I want to get the documentation that my money was transferred from x account to x account. The amount that I had in the Capital One CD is {$15000.00}. I want to get all the Capital One Certificate of Deposit statements from XXXX. All the notices that I should have gotten during renewals. I recall my renewal was every 7 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Good morning CFBP, This complaint is against TRANSUNION and XXXX. these two companies are not removing items that are 7 years old or older. I have already been the pain and suffering because of the long strenuous communication to get this removed. This is hurting my career as an XXXX XXXX Member of the XXXX XXXX, where I am possibly looking at some adverse actions over something that I did 7 years ago when I was married to my kids mother. I have made many mistakes, like many have done so- but i have since been trying to my best to do better for family and my career. I really hope that the CFBP can tell XXXX remove these accounts as soon as possible. that is all, thank you for your time.

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 2023-03-21 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
on XX/XX/2023 I booked a flight from XXXX to XXXX ( start date XX/XX/2023 to return date XX/XX/2023 ) using my chase credit card reward points on chase travel web portal. Chase gave me the confirmed ticket and charged me XXXX $ ( including XXXX reward points ). next day I get a call from Chase bank saying that my ticket to XXXX is not confirmed by airline, asked me to call back to Chase travel assistance, I called the Chase travel assistance and they said : chase has not got the confirmation from one of the connected flight from XXXX to XXXX and I have to rebook the ticket by cancelling current ticket. but chase is not responsible to pay any extra cost to rebook the ticket. but the new ticket price has increased now. here chase gave me the confirmation ticket without getting the confirmation from airline, I asked the same to travel assistance, she said she can not help me here. She agreed that its chase 's mistake which provided me confirmed ticket without getting confirmation from airline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, a check that had been stolen from the mail was washed, altered and deposited. XXXX XXXX XXXX  was the depositing bank, PNC ( my bank ) was the paying bank. The check was originally made out for {$670.00} and the altered amount was for {$9700.00}. I reported the problem to PNC on XX/XX/XXXX. An affidavit was completed and notarized at PNC. The form was sent to their XXXX Department. The XXXX reference number is XXXX. 
I received 2 calls from XXXX XXXX XXXXXXXX, XX/XX/XXXX and XX/XX/XXXX, to confirm that this check was fraudulent. 
As of today, XX/XX/XXXX, PNC has not notified me of any action taken or resolution. I have called the XXXX department phone number, XXXX, at least 4 times with no return call. Their message says they will return the call within 2 business days. I soke with XXXX in the retail customer support on XX/XX/XXXX. He told me that the investigation is still ongoing and could take up to 90 days. I call him again today with no return call. 
we are now over 90 days and there has been no resolution. 
After I reported this, 3 more checks hit my account but I reported it to PNC the same day and they where able to spot payment on those.

I don't know who to ask or how to get help on this matter. Please advise. 
Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NA XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XX/XX/XXXX, EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 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 STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS.15 U.S.C 1681 C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHERTHAN RECORDS OF CONVICTION OF CREIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: DC

Complaint narrative:
I received a letter today ( XX/XX/XXXX ) claiming that I owe {$88.00} for a {$1.00} toll that I allegedly did not pay two years ago ( on XX/XX/XXXX ) in Delaware. First off, the license plate number on the letter is not mine. Second, I don't live in Delaware nor do I travel to Delaware and I have photos on my phone from the date they are claiming I have this unpaid toll which proves that I was not in Delaware, I was Washington , DC, which is where I live. Third, I tried calling the number on the letter to this Law Office and no one picks up, I was on an automated hold 20 minutes and finally hung up. Fourth, I looked up this company ( Linebarger Goggan Blain & Sampson, LLP ) and the first thing that pops up are the XXXX reviews, all one star reviews, and people have similar accounts to my own and asking how this company is still allowed to be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/ I found out that my Chase checking bank account has been frozen. I only found that out when I visited their branch in New York. They did not provide any information regarding the freeze and keep saying it is 'under review '. They make me feel like a fool talking to tens of their helpline numbers. They keep saying there is a claim on my account but do not give any information. Even when I visited the branch again, they have no clue why the account is frozen and when the hold will be removed and they keep giving me numbers to call without any resolution. Have not been able to get anything from Chase since past two weeks, they keep adding that 'oh, there is no time frame as to when this might be resolved '. I am completely appalled by this situation, and there seems to be no way out as their team keeps going in circles. I request my funds to be released asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: MA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Good morning CFBP, This complaint is against XXXX and EQUIFAX. these two companies are not removing items that are 7 years old or older. I have already been the pain and suffering because of the long strenuous communication to get this removed. This is hurting my career as an XXXX XXXX Member of the XXXX XXXX, where I am possibly looking at some adverse actions over something that I did 7 years ago when I was married to my kids mother. I have made many mistakes, like many have done so- but i have since been trying to my best to do better for family and my career. I really hope that the CFBP can tell XXXXEQUIFAX remove these accounts as soon as possible. that is all, thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: PA

Complaint narrative:
I am a victim of identity theft because my information was stolen during a data breach. Scammers got access to my personal information including my bank accounts. I am sure that my information was used to open fraudulent accounts and now my reputation if being tarnished with this incorrect information. I have already disputed this account and did not receive any action.

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 2023-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am in the process of applying for a Home Equity Loan. During the process it was discovered that there is a lien against my property in the amount of {$940.00} held by PORTFOLIO RECOVERY ASSOCIATES , LLC. I called the clerk 's office of my county and they advised that all they do is record liens. I then called PORTFOLIO RECOVERY ASSOCIATES , LLC and they could not locate an account associated with my social. I was transferred their legal department, I stayed on hold for a while and then they hung up on me. I then called the title company that ran the report and they're not sure what to say either. Also, the lien is held under a name I do not use. I was never notified of this debt, I am knowledgeable of my debts and this debt does not belong to me. This is threating my ability to receive the home equity line of credit and may result in other damages.

Company response to consumer: Closed with explanation