vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I recently pulled my credit Reports, And I discovered that BB & T # XXXX Account was still showing as delinquent for 30 days I would like to see about getting updated Account information Because I noticed that the account was reported 30 days late Although I was consistent with my account and it was a switch over With purchasing cars It should have never been on my report. 
Per section 609 ( a ) ( 1 ) Of the Fair Credit Reporting Act, you are required by federal law to verify and All accounts posted to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with BB & T. This delinquent account record is inaccurate and I request that the following account be validated and properly removed And I requesting Updated information into 30 days. I have also supplied proof below in the documents I also have several telephone numbers An incorrect addresses listed on my account as well Which needs to be removed XXXX XXXX XXXX Multiple name spelling as well I am in the opt in system to give correct name and current address

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 2021-02-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank
State: TX

Complaint narrative:
XX/XX/2020 I cancelled my credit card with FIRST PROGRESS CREDIT CARD. The Credit Company continued charging unauthorized usage charges to me made by XXXX XXXX. 
These charges began in XX/XX/2020 to XXXX 2020.I contacted XXXX myself and originally closed the first charge, but they continued. 
I have copies of faxes and also to their Bank involved. FIRST PROGRESS continues to. report all of my account as continued and past due. These reports to the Credit Bureaus are bad. 
I have gone way past my patience with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: DC

Complaint narrative:
In XX/XX/XXXX, I reviewed my credit and noticed XXXX XXXX was reporting as an outstanding collection account. The same day I mailed a debt validation notice requesting the method of verification for this alleged debt. I received no response. In XX/XX/XXXX, I sent a second letter via certified mail with a second request for a method of verification/debt validation. I also requested specifically what method of validation did the credit bureaus receive to determine the debt was valid.I requested the credit reporting agency provide copies of whatever information the collection agency provided to validate this debt and if the documentation could not be provided, I respectfully requested for the item to be removed from my credit report. As of today, XX/XX/XXXX, I have not received any of the requested information and the debt is still reporting negatively on my credit. Secondly, XXXX XXXX currently does not have a valid business license in the District of Columbia. The District of Columbia requires each entity conducting business in the District to have a General Business License from the XXXX Department of Regulatory Affairs.I would like XXXX XXXX to validate the debt by providing an original contract with original signatures, detailed proof of title, and provide a valid General Business License as required by DC LAW 47-2851.03d. If the documents are not provided it is in direct violation of FDCPA section 809.

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 2021-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am not getting no ssi check can your mail me a letter cause I need to pay my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: NC

Complaint narrative:
I recently pulled my credit Reports, And I discovered that XXXX XXXX XXXX # XXXX Account was still showing as delinquent for 30 days I would like to see about getting updated Account information Because I noticed that the account was reported 30 days late Although I was consistent with my account and it was a switch over With purchasing cars It should have never been on my report. 
Per section 609 ( a ) ( 1 ) Of the Fair Credit Reporting Act, you are required by federal law to verify and All accounts posted to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with XXXX XXXX XXXX. This delinquent account record is inaccurate and I request that the following account be validated and properly removed And I requesting Updated information into 30 days. I have also supplied proof below in the documents I also have several telephone numbers An incorrect addresses listed on my account as well Which needs to be removed XXXX XXXX XXXX Multiple name spelling as well I am in the opt in system to give correct name and current address

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 2021-02-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently pulled my credit Reports, And I discovered that XXXX XXXX XXXX # XXXX Account was still showing as delinquent for 30 days I would like to see about getting updated Account information Because I noticed that the account was reported 30 days late Although I was consistent with my account and it was a switch over With purchasing cars It should have never been on my report. 
Per section 609 ( a ) ( 1 ) Of the Fair Credit Reporting Act, you are required by federal law to verify and All accounts posted to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with XXXX XXXX XXXX. This delinquent account record is inaccurate and I request that the following account be validated and properly removed And I requesting Updated information into 30 days. I have also supplied proof below in the documents I also have several telephone numbers An incorrect addresses listed on my account as well Which needs to be removed XXXX XXXX XXXX Multiple name spelling as well I am in the opt in system to give correct name and current address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
We are refinancing this mortgage with another company simply because it has been untenable trying to deal with loan servicing company, BSI Financial. The new lender has made multiple request for a Verification of Loan letter from them and thus far they have refused. The new lender has stated we are all set and the only thing left is this letter which BSI Financial is refusing to fax to them. We asked that it be expedited as they have been asking for it for 30 days and BSI Financial won't give us an answer on when they'll send it. 
They first tried to stall by saying the person getting the new loan was in my spouses ' name. The name the new mortgage is in has no bearing on the old mortgage and is just a delay tactic for them to get one more mortgage payment out of us. 
I request they send the fax immediately. 

SECOND PROBLEM : Our insurance covers multiple properties under 1 policy. It took us a month for them to verify. Now we have discovered they paid the entire policy amount instead of the just the portion for this home. Of course, our escrow balance is way out of wack now. This needs to be corrected as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I reached out to Citibank XXXX XXXX XXXX XXXX for a Covid Forbearance. I was denied when i asked for more information they refused to provide me with the information as to why i was declined. 

I am still unemployed so i tried again and was declined. I asked for additional information and none was provided. I continued to request that my concern be escalated. It took at least ( 6 ) phone calls to get someone to take me seriously. 

I never got a call from the escalation team. Three weeks later i got an email. They stated it was an internal issue as to why I was denied twice. I have paid my account on time and tried to keep up with my credit card debt. They offered me XXXX XXXX XXXX miles. That is not enough to buy a ticket one way. 

I am unemployed over 6 months and the offer miles, I did not get the opportunity that other customers in my position received. Citibank did not even care enough about me and what is going on in my life.

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 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize these inquiries and never applied for these accounts

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 2021-02-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This account XXXX XXXX XXXX is reporting inaccurate information on my credit report which is a violation of the FDCPA and also FCRA. Ive sent in validation letters on XX/XX/XXXX in which I receiver no response from them and also have documentation with the tracking number showing it was receive on XX/XX/XXXX. Theyre also reporting inaccurate DATE OF LAST ACTIVITY as XX/XX/XXXX in which it has been ILLEGALLY Re-aged and in violation. I have made no payments towards this account none this year and it should not reflect XX/XX/XXXX. Ive disputed this account twice with Equifax on XX/XX/XXXX & XX/XX/XXXX which it came back as verified but yet on my credit report it doesnt show that the account was even verified which is in violation with the FCRA of which I may collect up to {$1000.00} per violation which I intend on doing so unless settled. This account has shows that the account balance is higher than the actual HIGH BALANCE which is indeed inaccurate information. The debt company can not add any fees towards an account purchased from the original creditor, it may only collect what was originally owed which this is violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: MA

Complaint narrative:
Im little concerned about your METHOD of INVESTIGATION into these 2 accounts shown below. There is no way that these 2 accounts ( Charge-off / Collecitons ) were ever investigated by your company. For example, it continues to report different dates of last active, dates of last reported, dates of last opened, different dates of 1st delinquencies, etc. IT continues to report misleading, incomplete, and unverifiable data, and therefore, its illegally causing this account to re-aged and its in violations of consumer laws like fdcpa, fcra, etc. You can not reported them as such, especially with these inconsistencies on report. Its my understanding under the provisions of the laws that a collection account is by default is LATE and PAST due and it can not be reported a such. Its reporting in violations! Also, I didnt received any IRS notification for 1099c for those charge off account and it continues to report questionable balance, and account status was NEVER updated. I demand an immediate deletion on this account now. THANK YOU! YOURE THE ONLY CRA THATS REPORTING THIS ALLEDGED DEBT! .DELETE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
( 1 ) XX/XX/2020 {$410000.00} Charged, My local store ( 2 ) XX/XX/2020 {$4300.00} Charged, another city, same state, same box store ( 3 ) XX/XX/2020 {$4500.00} Charged, another state, same box store ( 4 ) XX/XX/2020 {$5100.00} XXXXharged, same state as ( 3 ), same box store ( 5 ) XX/XX/2020 {$3000.00} Charged, same state as ( 3 ), ( 4 ) different city, same box store Could not identify any of the above charges. I went by the store and was told i had to take this issue up with the Credit card host. 
After I received the the regular invoice and noticed the scam called and went through 2 levels of agents and was told they had tried to call me about the charges. The agent confirmed my card had been hacked and my phone # had been changed, address changed and my code question changed. My call was the first call to alert them of the discrepancy. The agent even said there had been a phone in payment for {$16000.00} on XX/XX/2020. The payment had been canceled due to lack of funds? I canceled the original card and was sent a new card. I received invoices for both cards for several months and I continued calls and was told this is typical. It was confusing Received papers to identify ( 4 ) and ( 5 ), but those were the only 2 of 5 charges. Multiple calls later and every time having to reexplain and go through the history, listen to promises and vows of intense investigation I received some credits but I'm not satisfied with the explanation and I'm still being billed for the other charges, accumulated interest and some penalties. 
Always another call and a new agent and more confusion. They have sent all of last years invoices and i have reviewed them and still have questions on cash credits and purchase identification on these 5 charges. What did they find out that confirmed partial credits? 
I have been identifying my monthly charges and making those payments less the penalties and interest listed on the invoices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I keep having problems with how Navient is handling my payments. I have complained several times and talked to people from various departments and it's still not resolved. I keep paying the bill based on the set amount determined by my income based agreement. Then I get multiple notices stating that they didn't receive payment or its late and they charge me late fees. I paid all payments before the date they told me I would acrue late fees. I recently received a letter dated XX/XX/2021 stating I didn't pay the XX/XX/XXXX bill. I did pay that bill. They took my payment and applied it to the XX/XX/XXXX bill so that they could charge me late fees. I paid the XXXX and XXXX bills already and XXXX knows where that money went. Maybe they used those payments to pay XX/XX/XXXX since they're just snatching my payments and using them however they like. This is the last time. I want this resolved or I'm writing a letter to the Attorney General. I'll also get a lawyer and contact the press and any advocacy group I can find. This has been so stressful for me and I can't take it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: MI

Complaint narrative:
Checking my report and I noticed some accounts are opened that I never opened the information doesnt even look accurate either I contacted the creditors they have no information of mines to provide back to me

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 2021-02-01 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: NY

Complaint narrative:
I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am reaching out to you because I am requesting that these items be deleted immediately or I will implement litigation due to the stress and hardship they have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continuously violates federal law by reporting inquiries that are illegal, inaccurate, and misleading. 

Inquiry ; XXXX XXXX service : Inquiry was not approved by me ; violation No credit or loan has been awarded ; their were no probably cause for inquiry.

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 2021-02-01 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I received a statement from American Express for my credit card showing a balance of {$510.00} with a closing date of XX/XX/21. A payment for {$380.00} was processed on XX/XX/21. In addition, I redeemed an rewards balance of {$120.00} on XX/XX/21. 

I received an e-mail from American Express on XX/XX/21 showing a balance of {$510.00} with a payment due XX/XX/21 and a minimum payment of XXXX. 

I logged into my American Express online account to verify that the payment and redemption had processed. The online balance showed a negative {$.00} for the account balance. 

I contacted customer service online. Two different representative insisted that I had to pay the {$120.00} because that was the statement balance after the payment. I was told that I would incur a finance charge and late fee if I didn't make the payment by XX/XX/21. 

I was also told that the rewards would process with the next statement and they would refund the payment. 

At no time was I given a reason as to why I should have to make a payment on an account with a negative balance. 

I believe that being forced to make a payment or penalized for not making a payment when the account is XXXX is a regulatory violation. I also believe that this is a result of a poorly designed process or system that allows American Express to collect customer money when it isn't due.

Company response to consumer: Closed with monetary relief