vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
To whom it may concern ; the following should never happen to anyone in this great county of ours. My mother and I have joint accounts at a Suntrust Bank addressXXXX XXXX XXXX XXXX Va.XXXX. The joint accounts are/ were checking, savings and CDs. My mother and I in XXXX went to the bank, mom wanted to take out a loan for {$5000.00} to help her grand daughter and great granddaughter to get some kind of transportation, they limp back up here from Florida penny-less. XXXX XXXX XXXX, XXXX Branch manager, said the interest rate would be 8.9 % .My mother has been banking with Suntrust every since they have opened here, and she has perfect credit. I asked her if she could do better on the rate, no was her answer. Mom 's CDs and savings was early XXXX % percent interest. Giving the bank the ability to make substantial interest of her monies. I told mom that was not fair by a long shot. The monthly payment was {$150.00} per month, Mom allowed one payment to be automatically withdrawn from her checking account, for the month of XX/XX/2020. Then she decided to pay the loan off XX/XX/2020 prior to the due date,. She was told that she would be getting {$34.00} back, then later she was told that it would be {$4.00} of which she has not received. It was decided that having her money in this bank was not serving her purpose, only the banks. So my mother and I started pulling her money out, and I was with her time for safety. Now here is the bad and embarrassing part, some at the bank call the Department of Social Services, a  XXXX XXXX, she came to my mother home and I was not there and grilled my mother about her taking monies out of the bank. Asking her weather I was taking the monies from her, my mother said that I would never do anything like that, that if there was no food in the home, that I would go without eating to make sure she ate. Mrs. XXXX would not disclose who filed the complaint, but I strongly believe it was XXXX XXXX, she is not a nice person. I strongly believe that my mother 's and mine privacy has been invaded, and I will be contacting an attorney very soon. The lady from Social Services, per our phone conversation was basically treating me like a theft. Any help would greatly be appreciated.

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 2020-03-09 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:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that were open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$660.00} XXXX   XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$38.00}

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 2020-03-09 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: TX

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that were open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$38.00}

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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020 I was told my account needed attention and regards of one of my XXXX XXXX 's accounts being disconnected and the only way to reconnect was to match up the username and password information and when I did I was getting a error sign it was asking me to try again every time I tried to connect my bank to my Experian account it said incomplete I called and filed a case with one of the representatives XXXX was the case number I didn't hear anything back from anyone I didn't get to email a text phone call nothing and I filled this out on the XXXX of XX/XX/2020 call back today XX/XX/2020 ask to find out what's going on with my case number and they said they are going to give more feedback to the experience  boost department that handles experience boost I asked them if they could tell me when will I hear from him they told me that there's no timeframe I ask them what's the usual time frame they told me there's no timeframe that they can tell me I got a hold of her supervisor her name start with it a XXXX   and she gave me information in regards of deleting my accounts to reconnect them again now before I did that My credit score went down 15 points so I'm thinking like okay well I must have to do that then I must have to delete my accounts to reconnect them so I go to delete my accounts and my score drops 17 more  points I go to reconnect the accounts I just deleted on top of the account that was disconnected it's not allowing me now my credit score is XXXX from XXXX first of all the woman told me that she doesn't know what experience  boost does and regards of what they do to fix any issues but she told me that I should delete my accounts to reconnect my accounts but it dropped my score down even more she tells me that is nothing she can do this is heartbreaking this is life-changing, someone needs to be held accountable for 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 explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Charge for {$61.00} to XXXX  was cancelled and never made - on XX/XX/2020 - spoke with Bank of America and they insist on holding authorization until XXXX  initiates refund. 
XXXX  said charge was NEVER made and Bank of America is in error and should release my funds. XXXX  even gave me a reference number ( XXXX ) for Bank of Americas use.

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 2020-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, i initiated a outgoing wire of {$800.00} from my XXXX XXXX account to fund my brokerage XXXX XXXX XXXX XXXX. Prior to this, i had already successfully completed a wire which was accepted within 2days. So it is completely absurd that a following wire would be halted if the first one went through with no issues. Currently, my wire is being held since its original send date with an expectancy of XX/XX/XXXX ( well over ). The supposed issue is that Wells fargo, the intermediary bank, is requesting additional details, all of which i have provided in the utmost timely matter, only to be strung in circles and given basic company runaround. The issue i believe is the name on my XXXX XXXX account WAS NOT FULLY UPDATED BY XXXX. Meaning, I stepped into a branch give info on current name ( mid XXXX ) and the branch updated one of my accounts for online banking and my statements, however for some reason?!? not my 2nd account which i had sent the wire on. My name is updated for online  banking ( XXXX website ), however my statements reflect my old name which is completely on XXXX. I did not realize this until i had been given This extreme wait for a small wire, completely unacceptable. XXXX has provided wells fargo all of the details which they have asked, however Wells fargo has taken their sweet time in reviewing this ( for possible compliance issues ) and i feel as though I am being treated like a criminal and having to wait 2+ weeks on a small wire for an issue that is completely upon XXXX/Wells Fargo.

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 2020-03-09 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: CA

Complaint narrative:
On XX/XX/2020, I was applying online for a home equity line of credit with XXXX XXXX. I authorized the review of our XXXX XXXX XXXX XXXX XXXX account. I received a number of emails from the credit union that an unrecognized computer had logged into our account ( 10 times ). 
I contacted the credit union and they provided a name and IP address of the company that logged in ( XXXX XXXX, XXXX ). Apparently XXXX XXXX merged with XXXX XXXX and is now XXXX. XXXX operates data centers. The credit union stated that no funds were accessed or transferred. 
I contacted the XXXX XXXX representative who said that XXXX XXXX does not work with XXXX. 
After several attempts ( online request on web site and phone ), I telephoned XXXX on XX/XX/2020 ( XXXX ). The representative in the Tech Support dept. confirmed that his company hosts data centers and said that the IP address that I provided could be one of their customers. He said he would file a request with the customer and ask that the customer contact me regarding the issue. 
On XX/XX/2020 I received a phone call from a representative of XXXX  ( XXXX ). The representative said he was responding to XXXX  's request. I explained the issue regarding the multiple logins to our credit union account and requested an explanation. The representative stated he would look into it and call me back. As of today, XX/XX/2020, I have not received a response. 
I did some research and discovered XXXX works with Experian. 
I recontacted the XXXX XXXX representative who said he did not recognize XXXX as a company XXXX XXXX has a relationship with.

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 2020-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX spoke to representative that called me says the XXXX payment I made by mail was not received so I had to pay over the phone immediately so that I don't fall into a 30 day default. I made both the XXXX and XXXX payment total of {$240.00}, then following day on XXXX the XXXX check payment finally went thru, dated XX/XX/13 and I mailed it same day. so now I made 3 payments, called today spoke to XXXX after a long hold unable to reverse any of the payment because I will fall into default. then proceeded to tell me best to credit the month of XXXX and XXXX. attempted to get 1 payment reversed, can't  even do that, have to wait 5 days for check to clear, then another 15 days to get a check by mail. this company is worse than cash call. hold your check payment till the last day of the month, then calls and tells you that you are in default. gives you cause for concern and now the scare tactic tricked me into making 3 payments. nice way to do business -and on top of that I get a notice of default that I owe fees

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
I submitted my 1st complaint with Ability Recovery Services (  XXXX ) asking for VALIDATION as I'm entitled to. They stated in their response that they sent me itemized bills, which does not qualify as VALIDATION per the FCRA. I then submitted complaint number 2 ( XXXX ) letting them know that the itemized information they sent me does not qualify as validation and per the Federal laws concerning the FCRA, they are supposed to send me information bearing my signature that proves that I am the one that owe the alleged debt. This erroneous reported information has negatively affected my credit score and my inability to purchase a home. It has been over 30  days since I submitted complaint number 2 and Ability Recovery Services stated they would send me proof of VALIDATION. They have not done this and because of that, by law they have to delete all negative reporting accounts from all credit reporting agencies. If this goes unanswered, I will be contacting the XXXX   and my attorney is on standby to get involved. I can no longer have items that do not belong to me reporting negatively affecting me. Below is a link to the federal laws concerning the FCRA. 


https : //www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

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 2020-03-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I bought a XX/XX/XXXX XXXX that is financed through XXXX XXXX in XX/XX/XXXX. Up until todays date, XX/XX/XXXX, Ive had my credit ran by XXXX XXXX XXXX for tv and internet services and for XXXX XXXX loan  services. So that is a total of 3 different I quires to my credit from XX/XX/XXXX up until present time. As Ive been keeping an eye on my credit the past 3 months getting ready to purchase a home I notice a total of 87 hard hit inquiries on my report that I did not authorize. Ive disputed this information with equifax twice and was guaranteed it would all be fixed, but each dispute they refuse to correct the inquiries. Also, I have an XXXX filed against me that was done in error which I have the documents from magistrate court showing it was dismissed but its still showing on my rental history background. Please help me so that I can purchase a home for myself and children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
My loan was acquired by NewRez in XXXX of XXXX. They have not paid my property taxes and they were due in XX/XX/XXXX. I keep calling but get conflicting information. Some cust. serv. reps say it has been escalated ... some others say the payment has been paid ... now I am being told to write a letter and that there are no managers with whom to speak. At times I get hung up on ( happened twice ). 

I've confirmed with the City of XXXX that payment has not been received as of today, XX/XX/XXXX. They are going to auction off my property if it is not paid by XX/XX/XXXX. I have a tenant with small children and NewRez refuses to help me now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX California State Controller, XXXX XXXX XXXX, sent letter dated XX/XX/XXXX, regarding unclaimed property of {$240.00} held by : Bank of America - Pre-Paid Card, XXXX XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. Phone number : XXXX Type of property : AC01 Checking Accounts Amount Reported : {$240.00} Date Reported : XX/XX/XXXX XX/XX/XXXX Called Bank of America - Pre-Paid Card, XXXX XXXX XXXX  XXXX at XXXX to claim property. Rep could not verify my identity on phone said I would need to report to a branch and have the branch call on my behalf to verify my identity via CA DL with current address. Rep on phone gave me a reference number of # XXXX XX/XX/XXXX Went in person at XXXX to Bank of America branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Bank representative verified identity and called XXXX on my behalf to verify my via CA DL with current address. Rep on phone gave a second reference number of # XXXX. Told to wait 6 to 8 weeks. 

XX/XX/XXXX Called Bank of America - Pre-Paid Card, XXXX XXXX XXXX  XXXX  at XXXX, to check on status of check. Told to wait 8 weeks. 

XX/XX/XXXX Called Bank of America - Pre-Paid Card, XXXX XXXX XXXX  XXXX  at XXXX, to check on status of check. Spoke to rep XXXX who transferred me to California Pre-Paid Cards department ( EDD ) at XXXX. Told check would be mailed within 6-8 days. 

XX/XX/XXXX Called California Pre-Paid Cards department ( EDD ) at XXXX, spoke to rep XXXX who transferred me to rep XXXX, Post Escheatment at XXXX, who transferred me to rep XXXX. 
XXXX said the check had been cut on XX/XX/XXXX and sent to the previous address, not my current address. XXXX ( rep ) said I would have to change address with the state of California, once address had been changed with the state, then I should call the Pre Paid Cardholders department at XXXX to verify identity and ask for check to be reissued. 
This is the first time a rep has 1 ) told me a check was cut 2 ) the check was sent to the wrong address 3 ) I would need to change my address with the state of California. 

Still unresolved.

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 2020-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Pay Pal continues place hard securities on account as of XX/XX/2020, The available balance is XXXX. First purchased made by XXXX in XXXX Pa, transaction successful. Made another transaction, company declined call. Made several attempts to resolve this. Company continues to decline my card even due to security issues. Company continues to be non compliant. I'm requesting please review my account last four digits of social XXXX Card last four digits is XXXX Please review calls from XX/XX/2020 until current regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX  XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.

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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX  XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.

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 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I was an XXXX  customer with my mobile phone. I took out an insurance policy with their carrier ( XXXX  ) in the event that my phone was lost/stolen/damaged ... I filed a claim and received a new phone and paid my {$220.00} deductible. Several months later I again reported my phone lost and was sent a new phone. However, I found the phone I reported lost and sent the replacement phone back ... and therefore should never have had to pay the deductible. So at this point, I am at one replacement phone. I later did crack my phones ' screen and requested another replacement phone. XXXX denied my the replacement phone ( which would have been my second phone ) as they said I already got two new phones. However, I only had one replacement phone, because the second replacement phone I sent back. 

Keep in mind I had been paying XXXX  XXXX a month for the insurance with their carrier. 

I called XXXX and they said I was entitled to a new phone. I took upon myself to use three way calling and put an XXXX  rep on the line with an XXXX  representative The XXXX rep explained to the XXXX rep that I was entitled to a new phone after checking their records. 

Before I switched to XXXX I paid the remaining balance with XXXX  and just thought I'd have to eat the cost. I didn't know CFPB existed.. 

Can u please help me to resolve this dispute with XXXX  and Sequium Collections My Sequium reference # is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation