vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 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: GA

Complaint narrative:
These accounts are found to be inaccurate and can not be verified. See attachment. 

XXXX  acct # XXXX XXXX acct # 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 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/2022 I sent a letter asking to validate the debt they were reporting to my credit report, but I never receive a response. Then on XX/XX/2022 I asked Midland Funding LLC for more details regarding the account to which I again didnt get a response. This has been very stressful. I have right but they are violating them without consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Dear FTC, On XX/XX/XXXX I received an alert that my checking account was overdrafted. I checked my account and it appeared a payment I did not authorize was charged against my Webster Bank Visa Card for XXXX On XX/XX/XXXX I made several calls to the Visa / Webster bank credit card company and they said nothing could be done since the payment was processing. They said that I signed up for " autopay '' which I did not. I searched my email and could find no record or confirmation that I signed up for autopay. The supervisor could not explain and the fraud department could not explain when I signed up for autopay and affirmed that all of my payments appear to be " webpay '' ( meaning I pay manually ). 

They said to call on XX/XX/XXXX as the payment will have posted. Webster/Visa says it will take 15-17 days to restore my funds and my bank says it can issue a provisional credit in 10 business days. 

By charging {$1700.00} against my account they have triggered an overdraft from my checking account and left me without access to cash. 

I did not sign up for autopay and believe the Webster/Visa bank may have " robo-signed '' me up for autopay of the full balance without my consent. 

I am asking for an emergency intervention to restore my funds to my checking account.

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 2022-09-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
AES/PHEAA closed the previous complaint. Re-opening as a new complaint. This complaint is not a duplicate because they never resolved any of the concerns related to that complaint. 


We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Past inquiries were made to AES/PHEAA to prevent certain AES/PHEAA employees from accessing my information. This is my right to prevent any targeting against me by any AES/PHEAA employee . Any employee encounter that I've had at AES/PHEAA where the employee raised their voice, had tones of sarcasm, tried to bully me or tell me what to do are hereby barred from accessing my information indefinitely. Any attempt to access my information by any one of these employees will be seen as an act of retaliation or defiance. I may occasionally send Freedom of Information Act requests to force your Agency to provide security details as to who has accessed my information or if that information can only be privileged to Federal Agents, I may engage an attorney to obtain that information. Unfortunately, because of the incident that occurred in the past with an employee by the name of XXXX, I can not trust your Agency to employ the right individuals to protect my information or keep it from getting into the wrong hands. This is a serious demand and I would strongly suggest you oblige. I would also strongly recommend screening some of these employees for mental health issues or substance abuse. It is not normal for employees who are supposed to act professional to act the way they have in the past or that way at any time in the future. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I have been a valued customer of Hyundai Motor Finance ( XXXX, address : XXXX XXXX XXXX, XXXX XXXX, California XXXX. Phone number : XXXX ) and I am very disappointed how my financial situation has been handled. I had purchased a Hyundai car and though I wanted to pay in full to make the vehicle mine but the dealer requested to get it financed for few months as they have ties with their associated company. I agreed though I had to pay interest for some time. I tried to pay off in subsequent months. Apparently, the my account in XXXX website is never updated about my payments. It still shows that I have pending payments. All it has listed is 5 transactions when I made about 15 transactions. And we thought we still owe money and paid more than what was supposed to pay. I called in XXXX end about it and I was told my payment will arrive in 30 days. I also requested my payments file and they sent. But no money came in 30 days. Then I called again on XX/XX/XXXX, I was told I will hear back in few days, my complaint will be filed and request will be sent to get my refund in 3-4 business days. Still nothing. Then I called on XX/XX/16 and now I hear the request will be sent now for refund. I asked what happened to the request that was sent last time, I got reply that only complaint was filed and no request for refund. I tried to ask the agent if she can connect to the manager of finance company and she said she can't. She gave me a address to file physical complaint via mail if I want. And they will respond to me in 14 days. This is so distressing. Why am I being troubled to get my money for almost 50 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 2022-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: NM

Complaint narrative:
My wife and I found a new home and were interested in purchasing. Our realtor advised us to make a strong offer with no contingencies as there were already 8 pending offers on the home. In doing so, we knew we would have 2 mortgages for a period of time until we sold our current home. Our offer on the new home was accepted and we began the process of obtaining a new loan. My wife and I are both veterans and decided to use my wife 's VA benefits for this loan as she had not previously used them. We were nervous at the thought of having two mortgages, but both our realtor and lender advised us of the option to " recast '' our new loan after we sold our current home. We asked about this several times throughout the loan process and were told every time it would not be an issue to do the recast and we would be informed of the process. We closed on the new home in XXXX of XXXX and began the recast process. After numerous inquiries, our lender, Guaranteed Rate, LLC, finally sent us all the paperwork and documentation stating the adjusted mortgage loan payment for the lump sum amount we would send in. We completed all of the paperwork as directed and sent it in, along with a {$300.00} processing fee. Within a few weeks, we received notice we were not able to recast our loan, as it was a VA loan. After going through this process for 2 months, asking questions, following all directions explicitly, we are stunned and angry our recast was not approved. Guaranteed Rate, LLC, has applied our {$390000.00} lump sum payment from the sale of our previous home towards our new loan, however, the monthly payments have not been changed as we were promised. Our lender from Guaranteed Rat, LLC - XXXX XXXX, is a Vice president at the company and as such, we assume is versed on all lending policies, or at least have the resources to verify information. His response was to attempt a refinance of the loan at our cost. This is not acceptable to us as this was not our error. We have previously attached all the paperwork we received for the recast process, including the initial approval and recast of the loan, to the money sent, to the denial letter. They are available and I will resend them if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime is holding my deposit of {$5600.00} for over 4 business days for no reason. The EFAA of 1987 states my funds should be available no more than 4 business days after deposit. I have no history of bounced checks, my account has been opened for over 30 days, and my account is in good standing. Chime is blatantly disregarding the law because of a policy change in XX/XX/XXXX. Furthermore, the first {$200.00} at least should have been made available within 24 hours of depositing, that has also not happened. I have tried to rectify the situation with chime and they state they cant do anything because of the new policy. Policy does not trump the law and the law states I have a right to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
XXXX XX/XX/XXXX I requested a forbearance from my mortgage company XXXX Mortgage. In XX/XX/XXXX I called them to let the know that I was in a position to start resuming my payments, and needed to speak with someone about an exiting plan. They informed me I needed to pay {$1400.00} for a 3 month period as a trial basis with a lowered interest rate, and said nothing to me about anything else. A couple months passed and I received a letter in the mail saying my mortgage had been sold to another company Freedom Mortgage. In XX/XX/XXXX I called Freedom Mortgage, who then informed me they were sending me a loan modification package in the mail. Once I received it nothing in there was anything anyone had ever discussed with me. I called Freedom to discuss this issue with them, and to go over what was discussed originally about any overdue amount being deferred. Freedom Mortgage denied and completely refused to assist me in any way to go that route with my package when that was the original plan of executing it to begin with. As I looked through their package it even has the XXXX plan on there and the payment plans are completely different that what Freedom came up with. I questioned Freedom about why they accepted an incentive payment from one of the big mortgage brokers if it was in my best interest instead of theirs and their actual services relationships interest. They said the incentives that were showing on my statement for {$500.00} they were crediting to my acct. but I didnt see and subtractions off my balances anywhere. Along with those 3 payments made to XXXX as well. After countless inquiries with no answers and earlier off the wall responses that seemed more like blatant lies, Ive lost trust and any faith in this financial institution to do the moral thing when going about normal everyday business practices.

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 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2022 I sent a letter to LVNV asking to validate the account they were reporting on my credit report. Then on XX/XX/2022 I send a letter requesting additional details to which I never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Our mortgage loan was paid off in XXXX of XXXX. On XX/XX/XXXX our mortgage statement indicated our escrow balance had been mailed to us. On XX/XX/XXXX we still had not received our check so we contacted Truist Bank. We were told a request would be put in to stop payment on the check and a new check would be issued and to call back on XX/XX/XXXX to check the status of the re-issued check. On XX/XX/XXXX we contacted Truist only to find out the request had not been made. A new request was made and we were told the check had been re-issued and would be mailed on XX/XX/XXXX. On XX/XX/XXXX we contacted Truist to check the status once again and were told yet again the check had not been mailed but would be reissued. We requested the check be wired to our bank and gave our bank name, routing # and account # and were advised a manager would return our call with an update. On XX/XX/XXXX, after no return call from a manager, we contacted Truist once again. We were told the same thing ... the check was being reissued. The check could not be wired to an " outside '' bank - only to another account with Truist. How a bank can not wire funds to another bank makes no sense at all to us. It's a bank. Banks wire funds all the time! On XX/XX/XXXX we contacted Truist once again only to be told the same thing - the check is being reissued. Once again, we requested our funds be wired or sent via overnight. We were advised the funds could not be wired or sent via overnight - only by mail. In addition, our loan was overpaid but because there was a shortage in our escrow account, Truist kept over {$700.00}. Who got that money if our loan and escrow account were closed? There was no money to be paid out of our escrow account. Taxes were not paid from the escrow as they were pro rated at our closing. Insurance had already been paid and premium was reimbursed to us when the policy was canceled. This money should not have been kept by Truist. It should have also been returned to us. This has been going on for several months and we still have not received our money from Truist.

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 2022-09-16 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: TX

Complaint narrative:
I sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XX/XX/2022. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner.

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 2022-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I opened a Venmo account so that my employer could send me my paycheck. On XX/XX/XXXX I received a payment of {$280.00} from my boss. Venmo then froze my account and asked for identification verification which I willingly provided after calling several times they unfroze my account. I then went to add a card to my account so that I could transfer my funds out of Venmo they then froze my account yet again and asked me to provide them with a bank statement. I provided the statement which then said was the incorrect statement I submitted more statements from the card they requested and they continued to say it was the incorrect statement when I know for a fact it wasnt. I called several times and received zero assistance or answers. Then on XX/XX/XXXX I received an email saying my account had been permanently deactivated and that my funds were to be held for up to 180 days. The email claimed I violated the terms and conditions which I dont understand how that is even possible when Ive only had one transaction on my account and I submitted all the documents requested by Venmo . I explained to Venmo that I needed the funds in order to pay my rent and asked if there was anyway they could release the funds or at least refund the payment back to my employer so that she could pay me a different way. Venmo failed yet again to offer any assistance or answers. Im a XXXX XXXX XXXX XXXX XXXX XXXX working part time to try to make ends meet. I need my paycheck in order to pay bills. My rent payment is now late because of Venmo and Im at risk of being evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
This company reports the as being a charge off and if it has done so and reported to the IRS, I have never received a 1099-C. If this is what happen, then if I am understanding right, they were required to send me this by XX/XX/XXXX of that year. If they did not report to the IRS, then I believe they should have to provide me information on when the last time they show I paid on the account from any credit card or banking account so I can verify with that institution

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 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
My husband and I share a joint checking account with Capital One. My husband did a mobile deposit yesterday XX/XX/XXXX at XXXX XXXX and Capital One cut off for business day is XXXX. We received two mobile alerts. First one said the funds would be available on XX/XX/XXXX and the next one said they would be available XX/XX/XXXX. Our checking account was opened on XX/XX/XXXX. When we saw the second hold frame, my husband called Capital One on XX/XX/XXXX and the representative at the time said we required to speak with a manager next day to do a deposit override. My husband and myself called to speak to a Manager today on XX/XX/XXXX who went by XXXX and informed us we were on a recorded line. She informed us there was nothing she could do as our account is considered new and that Capital One had the right to hold for four business days however XX/XX/XXXX to XX/XX/XXXX is technically five business days. I mentioned that the Expedited Funds Availability Act states {$200.00} must be released the next business day of deposit and she claimed there was no such law and we would have to wait until 24 hours to call and petition for any funds to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
On XX/XX/2022 I sent the first letter to Calvary Portfolio Services asking to validate the debt which I never received a response. Then on XX/XX/2022 I sent another letter asking for additional information which was ignored. Later on XX/XX/2022 I sent an additional correspondence informing them I would submit a dispute with the CFPB. This account has prevented me from using my credit in times of need. Adding stress to my life. This i=has taken longer then needed to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My government bankrupted me, and I'm now XXXX. I am currently doing contract work to stay afloat. Yesterday, I paid my final payment on my final debt on my credit report. I don't wait for a bank or agency to report anything. I contact the credit reporting agency and submit a dispute advising it has been paid/settled in full with details of what exactly the deal was with that creditor/collector. I called transunion to report and submit a dispute to advised another account debt has been settled in full. The agency told me I already had several disputes pending and I could not submit another until XX/XX/2022. 

I didn't put myself in this situation. My government did. I've done everything I was supposed to do over the pandemic and continue to seek employment while I do XXXX XXXX and XXXX XXXX XXXX XXXX. 

I just want to submit my dispute for settled in full and move on! This constant having to fix a situation that I did not put, myself in is XXXX. Not one place designed to help did, and I am once again having to take matters in my own hands because my government has destroyed my entire lifes work, my credit, and did not think ahead at all about the consequences of their actions and decisions. And I'm paying for it while they still have a home to go to.

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