vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
TRUIST failed to refrain from charging the account overdraft fees after I opted out of the service. They charged a {$36.00} fee on XX/XX/2023 after I ended the service. They also charged {$36.00} for an overdraft fee on a transaction that was deducted prior to them added an annual debit card fee to the account. This annual fee caused the account to go into the negative. 
I submitted an oral dispute on XX/XX/2023 and TRUIST failed to conduct the proper investigation and provide written notification regarding their decision. I mailed written Dispute and Cease & Desist notices on XX/XX/2023 and TRUIST never responded. 

I want TRUIST to deposit the {$72.00} total back to the checking account and pay me {$2000.00} for their violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See the attached documents regarding the late payment remarks you insisted on reporting in my credit 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 2023-03-08 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: MD

Complaint narrative:
I have reached out three times over the last three years, requesting information be suppressed, that were made on my account fraudulently. I complied with all FCRA guidelines, regarding what I needed to send in, including, but not limited to a identity theft report. The credit bureau has not acknowledged receipt of the suppression request ; have not given me a reason as to why the suppression has not been granted, nor communicated with me, within the legally obligated 4 days. I have certified receipts of the mail being delivered as of XXXX 7-8 business days ago. This is the exact non-response from XX/XX/XXXX, and 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 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
My Barclay Banana Republic Mastercard had many unauthorized charges since middle year of XXXX. I called Barclay immediately as soon as I found out the issue in XX/XX/XXXX. As requested by me, they closed my account on XX/XX/XXXX. Their dispute department followed on all the unauthorized transactions, and resolved my issue by XX/XX/XXXX. My balance on XX/XX/XXXX was {$0.00}. By XX/XX/XXXX, I received credit card statement from Barclay which showed that my account was charged for {$60.00} by merchant named " XXXX XXXX XXXX XXXX, XXXX  '' on XX/XX/XXXX. On my XX/XX/XXXX statement from Barclay, it showed transaction of {$60.00} credit by merchant, " XXXX XXXX XXXX XXXX, XXXX  '' on XX/XX/XXXX. My balance was {$0.00} as of XX/XX/XXXX. On XX/XX/XXXX, I received statement from Barclay, which showed a transaction on XX/XX/XXXX of {$33.00} purchase by merchant named " XXXX XXXX ''. My balance on the XXXX statement was {$33.00}. I immediately called the Barclay 's customer service in XXXX, XXXX, and filed dispute for the charge of {$33.00}, since it was not authorized by me, and the fact that my account was closed. On XXXX XXXX, XXXX, I received statement from Barclay which had balance of {$65.00}. On the same statement, on XX/XX/XXXX, there was transaction of " Late Payment Fee '' of {$30.00}. In addition of XX/XX/XXXX, translation of " MINIMUM CHARGE '' of {$2.00} on the same statement in XXXX, XXXX. I called Barclay 's customer service on XX/XX/XXXX to file dispute of additional charges and reminder of previous XXXX, XXXX unauthorized charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I subtmited a merchant dispute for merchandize not received with my bank on XX/XX/XXXX XXXX, the bank never sent any letter of the status of the claim. I called XXXX XXXX to know about the case and I was informed that the case was closed without any advice to the customer because the bank sent me an email to a different email address I provided. They have my last name of my email wrong. 
So I opened the case again on XX/XX/XXXX with the information requested, that was the invoice showing that merchant must sent items to my address. 
I sent it and on the same day the bank said that on the invoice is not written, and it is. Is wirtten that shipment service was included and also the address where must be sent. 
The bank didnt follow the instruction I gave them by phone, to start the merchand dispute. Also didint follow the regulation E and Z procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Between entering into a real estate transaction and the actual closing, the Attorneys e-mail address was purportedly hacked. The Attorneys name for the closing was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. His contact information is XXXX ( XXXX ) XXXX and ( XXXX ) XXXX. 

The total wired funds from USAA ( {$30000.00} ) and XXXX XXXX XXXX XXXX ( {$39000.00} ) were in the amount of {$69000.00}. Both banks indicated having received red flags over the wire transactions. 

The Attorney ( XXXX XXXX ) indicated in an e-mail that he was filing a claim with his insurance company ( this may or may not be true ). 

On XX/XX/22 a partial payment of {$3000.00} was returned to me from USAA. I spoke with USAA over the phone about this several times and each time was told to contact the receiving bank ( XXXX XXXX ). XXXX XXXX refused to give me any information since I am not a client with them. USAA indicated over the telephone that the {$3000.00} was made by XXXX XXXX XXXX from account ending in XXXX. 

The address and contact information for USAA is XXXX XXXX XXXX. XXXX XXXX, TX XXXX USAA ( XXXX ) XXXX XXXX A series of telephone calls between USAA and the receiving banks resulted in USAA telling me that the remaining funds in the amount of {$26000.00} would not be recovered. XXXX XXXX XXXX XXXX returned the total amount ( {$39000.00} ). 

I believe USAA should pay me the {$26000.00} ( like XXXX XXXX did ) as this was a fraudulent event. This fraudulent event was reported at the XXXX Police Department and has a Case Number of XXXX. I also have a copy of a IC3 report with the FBI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I work hard to preserve my credit score, and I recently learned on my credit report that I owed money for a payday loan. But, the company will not validate my initial transaction and will not provide me with any other information on the loan ; they only want my money. They refuse to produce loan documentation. They notify a credit bureau about the loan. I know I don't have any other loan beside my mortgage

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report more than Seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
Genesis FS Card I finally applied for this card with a {$700.00} limit over 2 months ago. I faxed them my photo ID and Social Security card over a month ago as requested. I called them for updates several times. Today, XXXX I spoke with a rep after I informed her that the same sort of offer came in my mail today and what was really going on with my personal information ans are they trying to scam and steal identities? I'm a XXXX XXXX veteran and will bring this up to my VA representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: MD

Complaint narrative:
I have reached out three times over the last three years, requesting information be suppressed, that were made on my account fraudulently. I complied with all FCRA guidelines, regarding what I needed to send in, including, but not limited to a identity theft report. The credit bureau has not acknowledged receipt of the suppression request ; have not given me a reason as to why the suppression has not been granted, nor communicated with me, within the legally obligated 4 days. I have certified receipts of the mail being delivered as of XX/XX/XXXX, 7-8 business days ago. This is the exact non-response from XX/XX/XXXX, and XX/XX/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 2023-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CT

Complaint narrative:
I saw a 4percent rate advertised by CIT bank so I opened a acount and transferred XXXX to the acount a week later I could not access the acount I called CIT and they said the account was closed and they would return the money back to the funding institution. They refused to say why kept saying I will get a letter which never came. The acount was opened on XX/XX/2023 and was funded the next day. Called again on the XXXX and they said it takes 30 days to refund the account. I explained I never got my money or a letter explaining what happened. They would not tell me. I then filled a complain with the fdic which apparently they turned over to you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: IN

Complaint narrative:
In XXXX I spoke twice about paying extra on the principal and interest rates on a XXXX loan. I have paid over XXXX towards the principal and XXXX towards the interest and the loan still sits at XXXX. The company keeps saying they will look into but nothing is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Link Management, LLC
State: NC

Complaint narrative:
I keep getting text and phone calls from this company. I have blocked them and they use a different number the next day. This is what I am getting : Hello, this is our third attempt to locate XXXX, XXXX, If we do not hear from you or your legal representative before the end of business, this will be marked as a direct refusal. Please contact XXXX, at XXXX XXXX using file # XXXX, Thank you CLM If you wish to no longer receive text messages, please reply STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
MORE LATE PAYMENTS AND INTEREST IN MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
EXPERIAN, XXXX and XXXX have violated my rights ( 1 ) 15 U.S.C 1681 section 602A states I have a right to privacy. ( 2 ) 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. ( 3 ) 15 U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. ( 4 ) 15 U.S.C 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or have reasonable cause to believe that the information is inaccurate. I also have every open and close accounts number on paper if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: TX

Complaint narrative:
Hello I am submitting this complaint as it regards to refund of student loan payments made during the payment pause. I have submitted a refund request through Aidvantage on XX/XX/XXXX for the refund amount of {$8300.00} that was made during the payment pause. Initially I was met with a very helpful lady ( XXXX ) that sent in an expediated request and was told that it would take 4-6 weeks to receive a refund. She was doing this for me as I had already submitted a refund request with my previous servicer XXXX XXXX on XX/XX/XXXX but that was not completed prior to being transferred to Aidvantage. After the 4-6 week time frame had passed I contacted Aidvantage again for an update and was told it would take 6-8 weeks from the time the refund was approved through Aidvantage to receive a check from the Treasury Dept. I was given the date of XX/XX/XXXX as the date it was approved. It has since been over the 6-8 week timeframe yet again and I would like to get clear clarification on where my refund is. I have remained patient throughout this process but have now waited 6 months ( 3 with XXXX servicing/ 3 with Aidvantage ) I need an update immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Violations of laws and consumer protection rights, lender fiduciary responsibilities, and bad business practices. Caliber Home Loan Company ( XXXX, XXXX ) has been dismissiveness and unresponsive to my request to cancel my escrow account and return all funds to me. 

On XX/XX/XXXX, I sent an " Escrow Removal Authorization Form '' to Caliber Home Loans to have my escrow removed. I meet all the requirements to have my escrow removed ( Conventional loan, XXXXXXXX XXXX  equity, and loan documentation allowing removal of escrow upon request ). I received a letter back from Caliber dated XX/XX/XXXX, stating that, " Investor requirements or loan type do not allow escrow removal for your loan. '' I contacted Caliber 's escrow customer service on XX/XX/XXXX and spoke XXXX XXXX and requested written evidence and proof of this claim by Caliber. XXXX XXXX was going to escalate my request. On XX/XX/XXXX, I sent a message to Caliber inquiring about the escalation. I received a boiler plate response back and that leadership was reviewing my request. On XX/XX/XXXX, I sent another communication inquiring about my request and receive the same boiler plate response. On XX/XX/XXXX, I called Escrow Customer Service and spoke with XXXX and went over my request with her. XXXX agreed that my escrow should be removed and saw no reason for it not to be removed. While she was attempting to get a manager to address my request, we got " disconnected ''. I called back and spoke with XXXX. He just speculated on my question and was all over the place but didn't have any factual information or knowledge. He said he would escalate my request ( again ). I followed up with a written communication to them. The response I received back indicated that XXXX had addressed all my concerns. 

Caliber continues to collect and hold my escrow for their financial gain and will not respond to my request for proof and documentation to support their claim that my escrow is not allowed to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
This company Caine & wiener I have no knowledge of is reporting a collection on my credit. According to 25 usc 1692g validation of debt a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Im requesting proof of licensing to collection debt in NJ and description of procedure used to verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute a debt collection account that is appearing on my credit report. Under the Federal Fair Credit Reporting Act ( FCRA ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete. 

According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately. 

I request that you investigate and remove this account from my credit report as soon as possible, in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation