vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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 filled an dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I haven't received any investigation results.

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 2022-08-29 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: MI

Complaint narrative:
congress made it clear what they have to do...

15USC 1681a Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15USC 1681b 2 ) In accordance with the written instructions of the consumer to whom it relates.

they violated these actions of the United States Code, they furnished false and inaccurate information and I never gave them permissible permission or consent to furnish my consumer report.

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 2022-08-29 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: MI

Complaint narrative:
congress made it clear what they have to do...

15USC 1681a Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15USC 1681b 2 ) In accordance with the written instructions of the consumer to whom it relates.

they violated these actions of the United States Code, they furnished false and inaccurate information and I never gave them permissible permission or consent to furnish my consumer report.

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 2022-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I went to XXXX XXXX XXXX, the school claimed students would would get high paying jobs right out of college. The school pressured us into signing up saying the rates would change and increase, and also said they would provide job placement. It later changed to job placement assistance. The school over charged for the services and as a result was closed down. I understand there is a a ongoing class action lawsuit against the institution for these reasons. They never got me a job, I never got a job from any of the so called assistance they provided. They signed me up for private student loans to help pay for the expensive tuition, and said I would make plenty of money right out of school to pay it back. The whole time they were taking out many loans per semester instead of one loan. As a result the interest rates eat up all the repayment made. I have consolidated these loans and still have 3 totaling XXXX with high interest. I went to XXXX from XXXX. I would like to know if these loans will be cancelled as a result of this lawsuit. I had to file a complaint with the CFPB back in XXXX  due to struggling to pay back these loans. They offered a temporary reduction in rate. My loans had to be put into a 3 month forebearance. I have paid on the loans to 8-10 years and there is still a large balance. Navient and XXXX  were stealing from studnets trying to better their lives. Predatory loan is an understatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: MD

Complaint narrative:
XX/XX/XXXX Attempted to login to my XXXX XXXX  savings account to check the amount as a normal morning routine. I was denied access with a message stating This user is currently XXXX. Please contact your financial institution to re-enable this user. 
Contacted XXXX XXXX  on XX/XX/XXXX at XXXX est and XXXX. Both attempts the call was cancelled. Contacted XXXX XXXX at XXXX XXXX and no representative available ( on hold ). Called again at XXXX XXXX  and spoke to a representative at XXXX XXXX XXXX Found out my account was on hold/freeze due to fraudulent activity. Representative told me that I will be contacted within 3-5days by the security department. 
Today XX/XX/XXXX Called everyday from XX/XX/XXXX on the status of my account due to me needing my funds. Each representative told me they have no phone number or contact information to the security office. I have not been contacted by the security office via email, text, or phone on the reason ( s ). XXXX XXXX representatives are not able to tell me why or provide reasons on why my account of on hold. 
I have escalated and filed a complaint 3-4 times already with the XXXX XXXX representatives ( as they suggested ) and still no response from their security team. 
I have two savings accounts with XXXX XXXX XXXX account had an estimate of {$13000.00} and the other account {$3500.00}. 
I had direct deposit going into the account from two of my employers one was XXXX XXXX of {$2500.00} a week. My other employer was XXXX of up to {$13000.00} a month. I work both jobs full-time and I am in the XXXX XXXX My initial deposit of opening the savings account with XXXX XXXX  was {$20000.00} from my late mothers passing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
i have a payment date of the XXXX each month and i get paid at the end or the first so i call them to make sure im not late. they usually say ok. but i lost my phone and could not call in XXXX. im literally XXXX hours late in XXXX. ive never missed a payment but i have XXXX $ worth of fees. they told me i paid XXXX instead of XXXX so i get a late fee for that too. i was never told on previous calls and they said they remove late fees after payment is made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
My father, Mother and myself were evicted on the date of XX/XX/2016 and just recently I noticed I was being garnished 25 % of my checks every two weeks and I was never informed I had moved and they sent it to the apartment complex even tho the XXXX I spoken with had the correct address then still decided to send it to where it showed I moved from and when I spoke with the miss again asking for a new copy I still havent received it. Then the miss proceeded to inform me that I owed roughly around XXXX dollars and once I pay that amount off I would have to go back to court and i would have to pay even more possible up to XXXX total and she kept telling me if I were to pay the amount of XXXX they would try and settle and after having lawyers and others look into my case and notifying me they correct amount it shows that I would is roughly about XXXX the company

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 2022-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
CAPITAL ONE XXXX has violated my rights to privacy 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I closed on a HELOC with Suntrust bank. At the time of closing, Suntrust was advertising that they would pay all closing costs associated with the loan. In the event that the home was sold or the loan was closed within 3 years, I would then be responsible for paying {$2300.00} at the time the loan was closed. I was told though, that as long as I took out a new heloc within 6 months, those closing costs would be refunded to me. 

During this time, Suntrust was currently merging with BB & T and would soon become Truist bank. According to the disclosure I received at the time of closing, it stated - " Effective on the date of the merger, any agreement, disclosure, form or instrument naming SunTrust as a part, constitutes a valid and binding obligation with Truist Bank even though the documents referenced Suntrust as the party in interest. The documents shall be read with Truist Bank in place of suntrust. The terms and conditions of any agreement, disclosure, form or instrument shall remain in effect unless modified or amended in accordance with any such provision contained therein. '' In XX/XX/XXXX I sold my home. At the time of the sale I went into a Truist branch and spoke the the Vice president XXXX XXXX. She confirmed that once I closed the Heloc I was going to pay the closing cost, but they would be refunded as long as I opened a new heloc within 6 months. 

I attempted to open a new Heloc through Truist one month after I closed the previous one and was told that because they are no longer Suntrust, they will not be honoring the refunded closing cost. I spoke to XXXX XXXX again and she said after doing more research, they would no longer honor Suntrusts initial agreement. 

I would like to file a formal compaint against Truist bank for not honoring the refund of my closing costs in the amount of {$2300.00}.

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 2022-08-29 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Put a credit freeze on my credit report because i thought something was going on look at it and i see hard inquiries that i didnt make and i call them and ask where was they from and they said they cant verify or not so it stays on my report and thats not fair because i dont know any of those companies. Thats what happened when i got in contact with 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 non-monetary relief
Consumer complaint received 2022-08-29 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: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
Put a credit freeze on my credit report because i thought something was going on look at it and i see hard inquiries that i didnt make and i call them and ask where was they from and they said they cant verify or not so it stays on my report and thats not fair because i dont know any of those companies. Thats what happened when i got in contact with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I have been trying to apply for loan forgiveness programs since XX/XX/XXXX that I uploaded my first application. Uploaded second application in XX/XX/XXXX. On XX/XX/XXXX, I received a denial. I immediately uploaded the missing signature on XX/XX/XXXX and my paperwork was not reviewed but denied on XX/XX/XXXX. The October deadline is soon approaching. FedLoan has sold my loans to XXXX. I received documentation that XXXX should be servicing my loans by XX/XX/XXXX. They will not be servicing my loans until XX/XX/XXXX. I have tried calling FEDLOAN to see and get direction on what I am doing wrong, request a call back, they call me back and then transfer me to leave me on hold again sitting in que. It is IMPOSSIBLE to get someone to help me. 
I have been a XXXX for XXXX years, and have gone back to school several times during my career. How is it possible that I am going to be the only tenure XXXX that does not get assistance with loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion, XXXX XXXX XXXX reported a hard inquiry from XXXX XXXX on XX/XX/2021 that should not be on my credit. I did not give XXXX XXXX authorization to run my credit a 2nd time for a home loan. XXXXXXXX XXXX stated that the inquiry would be a soft inquiry because of a mistake made by XXXX XXXX 

A hard inquiry by XXXXXXXX XXXX  by XXXX XXXX made a mistake on XX/XX/2021 by submitting a hard inquiry using " XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX '' XXXX XXXX stated the error was theirs. Still, XXXX XXXX allowed the double hard inquiry to stay on my credit report instead of removing it. I need the second inquiry removed from my credit report from all three credit bureaus.

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 2022-08-29 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: WI

Complaint narrative:
XXXX, XXXX XXXX Experian reported a hard inquiry from XXXX XXXX on XX/XX/2021 that should not be on my credit. I did not give XXXXXXXX XXXX authorization to run my credit a 2nd time for a home loan. XXXX XXXX  stated that the inquiry would be a soft inquiry because of a mistake made by XXXX XXXX. 

A hard inquiry by XXXX XXXX  by XXXX XXXX made a mistake on XX/XX/2021 by submitting a hard inquiry using " XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX '' XXXX XXXX  stated the error was theirs. Still, XXXX XXXX  allowed the double hard inquiry to stay on my credit report instead of removing it. I need the second inquiry removed from my credit report from all three credit bureaus.

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 2022-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
i got my credit report from the three credit bureau and found there is three account that don't belong to me and a result of identity theft and fraud, two of these account is charge off account and one collection. these account are : 1- professional debt date opened XXXX amount : XXXX $ filing dispute for this account. 


2- ONEMAIN date opened : XX/XX/2018 amount : XXXX $ filing dispute for this account. 

XXXXXXXX XXXX XXXX XXXX date opened : XX/XX/2018 amount : XXXX $ filling dispute for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC1681 Section 602 states I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
We have been having a terrible experience with Fifth Third 's mortgage services. We were notified in the end of XXXX that we needed to increase our flood insurance on the property for which Fifth Third holds our mortgage. We contacted our insurance broker immediately and increased our coverage, and the insurance broker informed Fifth Third and sent proof of this coverage promptly. However, Fifth Third continued to overcharge us each month. Our insurance broker called the company multiple times to correct our escrow. In all, we were charged more than {$2000.00} over what we should have paid during this time. 

I called them on XX/XX/XXXX to resolve this issue on the phone. They agreed that our flood insurance did indeed meet their criteria and that we would be refunded the overage, and our monthly payments would go back to the normal amount. They did send us the money back and reduced our monthly payments. 

Then - once again- on XX/XX/XXXX we received yet another letter and escrow statement indicating that Fifth Third would be increasing our escrow again, due to a gap in our flood insurance. So I had to call the customer service line again. Their escrow department said that they didn't send that letter and that everything looked fine on their end, so they transferred me to the main customer service line. The customer service department said that we needed to provide proof of sufficient flood insurance and needed to pay the increase amount. When I said that they had all the documentation they needed - and in fact their escrow department had just told me that our coverage was sufficient- they transferred me back to the escrow department. That person had to go check with some other part of the organization on why the flood coverage wasn't sufficient. 

The escrow department then told me that under Federal regulations they had to escrow my flood insurance. I told them that this could not be true, that was illegal as far as I knew. So she sent me to her supervisor. When I asked what Federal Regulation required this, the supervisor said that she hadn't told me that and needed to do more research. So she put me back on hold. As I submit this, I am still on hold and this matter is still unresolved. 

Fifth Third is either doing this on purpose ( in order to make extra money on the cash ) or their systems are not functioning properly. Either way, it's not acceptable to continually ask us to pay a lot more money monthly than we should be paying, then make us sit on endless phone calls that go around and around in order to get it fixed. The addition of telling me that it was a Federal Regulation was very concerning. I have no idea how many other people they are doing this to, so I'm writing this to try to prevent this from happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I did a wire transfer from Chase Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX account on XX/XX/2022. He did not received the money and days after I canceled the transfer an he canceled too, expenting XXXX XXXX  XXXX refund the money to my account. It does not happen, and I have more than two months contacting Chase Bank and XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX did not awnser Chase, and just respond to XXXX " the tranfer is pending ''

Company response to consumer: Closed with explanation