vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Auto loan with Truist bank loan # XXXX. My auto loan payment is due on XXXX of the month. I paid XXXX and it posted correctly. They received my payment in full to pay off the loan on XX/XX/XXXX which included my XXXX payment. They are reporting my payment as 30 days late and it was not. Since XXXX only had 28 days the 30day mark would have been XX/XX/XXXX and they received the payment on XX/XX/XXXX. They are saying that since XXXX only had 28 days that it changes the time frame 28 days as a late which is not stated anywhere in my loan paperwork it says 30 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 2023-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/XXXX I used the online account management to close my account and transfer the balance to another account. I have called 3 times now, been " verified '' twice once by a " supervisor '' and still my money has not been transferred and the account closed. I believe they have violated the law on the time frame to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I called today XX/XX/XXXX to make my payment to Truist Bank and XXXX XXXX XXXX in XXXX answered and helped me with my payment and then when I asked about why I hadn't received a mortgage statement in the mail she said it was because I requested it. I asked her how did I agree to only electronic statements? She could not answer me I asked her when and on what date and eventually she said twice. Once on XXXX, XXXX XXXX and then again on XX/XX/XXXX. We were on this conversation for 34 minutes and 23 seconds according to my phone log history and not only could she not answer me but she must have lost her place reading the computer screen because she asked me to confirm my account number again for a payment we already had processed in the middle of answering my question on where did I agree to only electronic statements. Again the dates she did provide makes me Question it even more? Again I have questioned your ethics when it comes to observing and obeying Federal Data laws. Show me where I agreed to wanting to stop paper statements in the mail on XX/XX/XXXX XXXX ... .She said she could only see the dates but could not not see beyond two years and I did tell her this was not a reply of satisfaction to any complaint filed and I was Hanging up because she could not answer my question

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 2023-05-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NC

Complaint narrative:
I have an account with chime bank and I received direct deposits on the third of every month, which sometimes comes two days earlier. This month on XX/XX/XXXX I did not receive my payment of XXXX chime is insisting that they did not receive the payment. I spoke with Social Security. They verified and gave me a trace number saying that they actually sent the payment to XXXX XXXX, I also spoke with the bureau of fiscal services and they verified that XXXX processed. The payment chime has not posted the payment to my account and my account is still showing negative they keep telling me they did not receive the payment when they did it was processed on XXXX XXXX, 2023 and I have spoken to 20 different individuals at chime and no one can tell me what happened to my money. They say they have no way to trace where the money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I opened a basic debit account with PNC close to one year ago at the XXXX XXXX, MD, location. My living situation was turbulent and I did not have my affairs in order. Having not made the proper arrangements for all of my mail to be delivered to the same location. A consequence of this was that I was not reviewing my monthly account statement. By the time I began to have a consistent place to stay, it had been a long time before I was able to notice payments start to bounce, when I knew I should have enough money. I checked an ATM, upon noticing I am around {$160.00} short, decide to drive to the bank and review my statements with them. I found {$510.00} of fraudulent recurring monthly payments dating back as far as my available statements did. Which I believe was XXXX of 2022. I attempted to login to the website of where the charges were coming from, but no login that I have ever used worked. This is an area where I am very consistent, so not knowing the password or username was a very obvious sign to me that somebody else was using my card. As well as confirmed that I, in fact, did not recognize that business at all. Upon review of these observations, I produced my findings to the fraud department of my banking institution. The first call " mysteriously dropped '' towards the end, even though the sounds my phone makes when a call is manually ended and when a call drops are distinct. I redo the entire process again the second call, and my card is cancelled and a new one reissued via mail. I receive no less than five letters from PNC denying my fraud claims before I have to drive back in to the bank again to physically be printed a card instead of continuing to wait for it to be mailed to me. I was told 3-5 business days, and it had been 9 when I made an appearance. Gas and food were getting tricky after so long without access to my own money. The letters did not enlighten me at all as to why most of the claims were denied. All I know is the fraud department failed an open and shut case very quickly after dodging my first attempts at reporting the fraud in the first place. I do not want to just outright say that they are somehow finding a way to steal from me with this mysterious recurring charge that nobody can figure out anything on. I will outright say, however, that they made the reporting process a nightmare and did nothing to prevent somebody else from stealing from me. I do not feel comfortable with them handling my money anymore. I have been banking with them for less than a year. I intend to close my account with them in XXXX after a payment plan through them has transpired. If there is a way for them to deal with some sort of consequence for losing my money when the point of a bank is to store it and and then attempting to deny that it even happened, it would help me sleep at night.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MO

Complaint narrative:
We have had a money market account wih US Bank for years paying a very low percent, 0.005 % most recently They called this account a Platinum Money Market account..They recently introduced an Elite Money Market account paying around 3.4 % about 4-5 months ago. However, our account continued to pay the low rate while the new money market paid higher. We feel US Bank has/had an obligation to pay us the same rate as their new offering There should be no difference how money markets are handled and the yield they earn. Basically, they have an obligation to honor the new rate for our account. 

I contacted US Bank regarding this wih no success.

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is Transunions duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Transunion is reporting an inaccurate late payment for the XXXX XXXX account ending in XXXX. This is a 30-day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in Transunion violating my federally protected consumer rights. 
Additionally, I did not give Transunion written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union had restricted my use of debit card services. This has effectively disabled my debit cards, and ability to use XXXX. The credit union did this without notifying me of any potential disadvantages that could occur when submitting dispute claims. I've been a member of the credit union for six years, and never have I experienced this action taken against me. Furthermore, I use XXXX weekly to pay for some of my expenses such as rent. This restriction has prevented me from submitting payment for the month of XXXX, and now I am at risk for eviction due to their actions. In addition to this, I was actively enrolled in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and one of my checking accounts is currently in overdraft. Without full use of my debit card, I am unable to submit payment to this account. I often use XXXX, XXXX, and XXXX to deposit money into that debit card/checking account. Without full use of the debit card, I do not have any other option to satisfy the overdraft debt. The credit union only allows 30 days for accounts to be in overdrawn status, otherwise they will charge off the account. This is completely unethical, as this restriction is not referred to neither mentioned in the debit card disclosure, and the credit union has not even provided me a letter to warn me before making this restriction. I had also submitted an ACH transfer for payment to my landlord, however, because the credit union restricted my account, the transfer was reversed and I received {$75.00} NSF from my landlord, and the credit union charged me {$29.00} for reversal fee. This is unpractical, and the representatives have not done anything about my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2023 I contacted aidVantage to ask for a breakdown of ( 1 ) my current XXXX loan balance ( 2 ) my current XXXX  loan balance and ( XXXX ) total of all payments paid toward my graduate loans. They told me to contact the Department of Education. On XX/XX/2023 I called the Department of Education and requested the same as above and was told that aidVantage is the ONLY organization that can supply this information and to call them back. I called back aidVantage the same day and made the same request, they said they could not look this up but would make the request. I also sent them an email to make sure they understood the request. Attached is a copy of their response which is nonsensical. They said they do not have access to this information and asked me to find my original consolidation information and look there, but that makes no sense as it is about XXXX years old, would not contain interested accrued or payments applied and since my loans have been consolidated on multiple occasions, this is not possible. The Department of Education has made it clear that aidVantage is the only organization to supple the data and I hereby demand the send the information or forgive the full balance of all loans and submit a full refund for all payments applied. The are intentionally being negligent with my information, my payments, my balances and willfully withholding key information about my account. I would like to report them to the Federal Studen Aid for intentional and wilful disregard of the wellbeing of my account and finances and wilfully withholding pertinent information they are stewards of and required to disclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY

Complaint narrative:
I entered in to forbearance with Pennymac. At the end of the forbearance I attempted a loan modification due to impacted income due to injury. 

Through the process I would get 1-2 automated calls per day. When I would return the call I was told nothing was needed and someone would reach out. After month of this process and getting people on line to assist I was told I needed to send another document that had been sent month earlier. From the time I hung up till the time I called back was lass then 30 minutes and they had declined the modification and filed notice to foreclose. They reopened the modification the next day and took weeks on the decision. During that time my credit score dropped XXXX points. They later declined the modification and I paid Al of the money I was behind. 

Now I am in a situation where I have a year of late payments from forbearance that arent supposed to show as late payments, along with fees for being late I wasnt supposed to have during forbearance. 

The process with Pennymac will lead to many losing homes. The length of time the process took was the reason my loan was denied, over 4 months my income dropped till I could no longer qualify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I obtained a XXXX Mastercard a couple of months ago-under the promotion of 0 % APR until XX/XX/2023. 

I have used the card several times and have been charged interest the past 2 months. 

I called today and spoke to XXXX XXXX, on XX/XX/2023 and this employee acknowledged I was under the promotion correctly, and I was charged interest wrong. She said she could refund me only 1 month of the wrongly accrued interest. I told her this wasn't acceptable and I needed them to refund both of their errors. She said that wasn't possible. I asked her why they lie then because the email that I got reminding me was that it was still 0 % APR until XXXX. She said she wasn't sure, but did acknowledge that it was a lie. I asked her what was a lie and she put me on hold for a couple of minutes without telling me and finally got back to me and I told her I would be filing a complaint unless they refunded the money that they lied to me about the promotion. 

She put me on hold again and I do not have all day to sit and wait for a manager or supervisor to come to the phone and argue with them. 

This employee admitted that I wasn't charged correctly but still refused to refund the money. 

I was lied to by this company about their APR and when it ended and what it covered. What this employee said doesn't match what is in my email or what I signed up for.

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 2023-05-05 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: Block, Inc.
State: IA

Complaint narrative:
I was paid Wednesday XXXX bucks and used XXXX and went today and it was only XXXX in my account. They saying there was a technical problem on their end for whole month of XXXX. Said it barley got fixed. I was charged every time I paid for the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, Per attached documents sent to Experian, letters dated XXXX requesting their method of verification for thee said results from disputes listed in my request. Attached is also the receival date Experian received my request certified receipt mail. According to FCRA a consumer can request the method of verification when a credit reporting bureau has deemed information as verified/accurate/certified. The Credit reporting bureau must provide this information based on their results in the details as I have requested and has 15 days to do so by law. Experian received my request XXXX according to the attached documents from postal tracking, for these documents were sent certified return receipt mail. It is now pass the 15 days allowed for Experian to provide me their method of verification. This not puts experian in violation of FCRA 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) 1. A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency And ; 15 U.S. Code 1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
experian continues to violate the FCRA and effect consumers negatively.

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 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I discovered a fraudulent check written and funds {$5000.00} withdrawn from my Suncoast Credit Union account ( savings ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX. The check was written, and money withdrawn on XX/XX/XXXX. I went directly to the bank the morning of XX/XX/XXXX and signed the banks form notarized at the bank ; which the bank submitted to their fraud division. ( Bad Check Complaint Form ). They did not provide me a copy of this form. I also called the police that morning and they sent an officer to come to the bank. The officer said they do not handle this and gave me a information on a web site to file a report. ( Identity theft.com ) and a piece of paper with Victim of Bad Check! I have called the Fraud division of my bank on numerous occasions who informed the have my signed bad check complain form but are back logged and different people at the bank have given me different time frames. One said 2 business weeks another, this was a senior member advocate at Suncoast, said up to a month. It has been 1 month today and so far, no return of funds and nor resolution and no answers given to me.

Company response to consumer: Closed with explanation