vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: PA

Complaint narrative:
I was a victim of identify fraud. This account does not belong 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 2022-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NM

Complaint narrative:
I have a monthly payment of {$740.00} on a vehicle loan of which I've paid on time since I opened in XXXX of 2021. When I try to make a payment through my usual method on the truist mobile banking application it says it will not accept money from a non truist account. All the payments I made since XXXX of been through a XXXX XXXX account and all processed successfully. I've tried reaching out to truist to figure out the problem and was on hold for two ad a half hours and still could not reach anyone. This feels like I'm being forced to open a truist bank account which I will not do because this feels very suspicious.

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 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Suntrust and BB & T merged and have virtually no customer service or way to reach a live human being to find out where the debit cards are they supposedly mailed out a month ago. No one calls back or responds to emails or attends the scheduled appointment for a callback. The number they keep giving is a never ending hold. When the branch is contacted directly it flows to voice mail and they never call back.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is showing the following inaccuracies Account Status : Derogatory for all XXXX bureaus Account shows the high balance spent is {$300.00} of a {$3000.00} credit spending where I was never late. 
Last Reported dates are not consistent XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX Equifax - XX/XX/XXXX Comments needs to be removes on all credit reporting agency XXXX is reporting- this account was part of a XXXX XXXX ; wage earner plan account - never been apart of any bankruptcy. 

XXXX is reporting -This account was never purchase by another lender There was never an Unpaid balance reported as a loss by credit grantor. 
This debt was never included in any in or discharged through XXXX  XXXX XXXX. 

Equifax is reporting- Account never involved in XXXX XXXX debt adj. 
Account never was transferred or sold Never Included in XXXX XXXX Dates with last activity is all different for all three credit bureaus. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is showing the following inaccuracies Account Status : Derogatory for all 3 bureaus Account shows the high balance spent is {$300.00} of a {$3000.00} credit spending where I was never late. 
Last Reported dates are not consistent TransUnion - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Comments needs to be removes on all credit reporting agency TransUnion is reporting- this account was part of a XXXX XXXX ; wage earner plan account - never been apart of any bankruptcy. 

XXXX is reporting -This account was never purchase by another lender There was never an Unpaid balance reported as a loss by credit grantor. 
This debt was never included in any in or discharged through Bankruptcy XXXX XXXX. 

XXXX is reporting- Account never involved in XXXX  XXXX debt adj. 
Account never was transferred or sold Never Included in XXXX XXXX Dates with last activity is all different for all three credit bureaus. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - 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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is showing the following inaccuracies Account Status : Derogatory for all 3 bureaus Account shows the high balance spent is {$300.00} of a {$3000.00} credit spending where I was never late. 
Last Reported dates are not consistent XXXX - XX/XX/XXXX, Experian - XX/XX/XXXX XXXX - XX/XX/XXXX Comments needs to be removes on all credit reporting agency XXXX is reporting- this account was part of a XXXX XXXX ; wage earner plan account - never been apart of any bankruptcy. 

Experian is reporting -This account was never purchase by another lender There was never an Unpaid balance reported as a loss by credit grantor. 
This debt was never included in any in or discharged through Bankruptcy XXXX XXXX. 

XXXX is reporting- Account never involved in XXXX XXXX debt adj. 
Account never was transferred or sold Never Included in XXXX  XXXX Dates with last activity is all different for all three credit bureaus. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - 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 explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have had problems with this lender ( Discover ) for a long time now. They are not the original lender that I applied with, they acquired my loan by taking over XXXX. I have communicated with them several times about my financial situation and they disregard it. I have not been having steady for a while and have been placed on deferment plans prior.

It takes me time to make the payments, sometimes a little over a week after the due date. They call constantly and as of these past few months have gotten worse. These past two days alone ( XX/XX/22 & XX/XX/22 ), they have called seven times. I always let them know when I make a payment, that I will call in for the following month payment yet they consistently do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been a paying Membership fees with Experian since XX/XX/2018 and I get charged {$21.00} per month for the ( Experian XXXX XXXX  ) that includes. Up to {$1.00} million Identity theft insurance, Deicated Fraud Resolution support, Experian XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Identity Protection and Alerts and 2 others. Well I have called many times to get help with my Identity theft issue and call after call after call I get sir I am so sorry to hear that and been told over and over that they was going to look into it and talk to one of there team members and would call me back and nothing so they take my money and give me nothing that is on the premium I get charged since 2018 but I really need help I cant receive services I pay for and that is THEFT OF SERVICES the only thing that worked was XXXX and the day I put the freeze on my credit and filed Identity Theft with Experian and I told the guy on the phone my bank and credit cards was about to not work becauae I would be issued new accounts and cards and I asked over and over I am payed up right and he says that since I was a Premium member and filed Identity theft my credit and membership would be active and once I received my new cards to call experian and see if any update was done, I said ok and guess what today I get email that says experian unlocked my credit and I got hit for XXXX points and a new bank account was opened in my name and SSN. So EXPERIAN IS A SCAM AND I RECEIVED THEFT OF SERVICES FROM THEM. I am not very happy and I want ALL my money back since XX/XX/2018 if I can not get this fixed here I will get a attorney and file Theft of Services this is not right if I did this I would be in Jail for theXXXX

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 2022-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Scam banking scam message about a bank account I do not own

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 2022-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Complaint mirrors # XXXX ( for checking account ). Replied to their offer mailed to me. Follow conditions on card and receive {$700.00}. Open both checking and savings accounts, comply with their conditions and receive {$700.00}. I did so, completely. They would not do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Hello, I have inquired on several occassions to Freedom Mortgage about removing the PMI from my loan based on the amount of equity in my home. Most recently the young lady I spoke with stated I was unable to do so as the laws had changed. The last person I spoke with, a gentleman, went even further after I explained to him that when I bought my home I was advised I could have the PMI removed once I accumulated a certain amount of equity or 11 years whichever came first, he stated the law changed the year before I bought my home stating that you had to remain in the home for 11 years. 

I have also made an email inquiry regarding removing the PMI.

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 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Back in XXXX I started the home mortgage application with Navy Federal after going under contract with the sell of my prior home that was also financed with Navy Federal. My home sale date was quickly approaching so I got a preapproval and submitted all my documents over to the credit union right away. After multiple follow up on my part and my agent I was told that if any issues arise before my XX/XX/XXXX closing date I would be contact well in advance. On closing day the everybody is prepared to close we are just waiting on closing instructions. That same representative who told me she would contact me if any issues arise would be the reason Im still without a home while she refused to admit her failure to provide a service for the customer. Here I was on closing day being told she not sure what happen. The rep had not referred my file over to processing so here I am without a home for the foreseeable future. Upset I took to social media to voice my displeasure which caused the rep to stop caring about the file all together. I was under the impression that I had been paired with a bad rep but the longer I continue in this process. I find Navy federal lack leadership. After multiple request from that reps supervisor I never received a call or email. I have sent emails to Navy Federal CEO XXXX XXXX with no response from her office either. I am in danger of losing the home which I did everything to secure because of navy federal negligence. I was forced to come out of pocket for a place and me and my belongings and when everybody at navy federal goes home after a long day I am still being forced to figure it out because of the negligence on Navy Federals part. It is a crime that this are the people who protect service members finances and secure home loan. How can a company provide sure poor quality service to the very people that protect them. I am still without a home I have to complain on social media to get a call with updates I have never had such bad service in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Hello, my name is XXXX XXXX, i purchased a cashiers check on XX/XX/2015 from my bank ( chase ), through my checking account. The cashiers check is valid for 7 years, however I went to chase bank today to cash my cashiers check, only to be told that my check is not valid and it could not be cashed. They instructed me to contact Indiana Unclaimed Property Division, which I have done and currently waiting on a response. I have the actual check in my possession. I would greatly appreciate it if someone can contact me regarding this matter. I can be reached a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I had a vehicle financed through XXXX paid the vehicle off XX/XX/21 before the contract was up. On my credit report it is showing the loan was charged off under XXXX states the account is showing paid by consumer and not charged off. I have disputed the error but it still remains the same

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 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX I realized that somebody open a Bank of America account under my name and also there were two transactions intended to make two payments from my personal account to a company name XXXX XXXX on XX/XX/XXXX for {$8600.00} 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 explanation
Consumer complaint received 2022-03-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Dear CFPB On XX/XX/XXXX, I bought a mobile phone from XXXX, which is worth {$1300.00}. Because it does not meet their activity requirements, I can only return the mobile phone. ( XXXX return tracking number : XXXX. ) After receiving the returned mobile phone, XXXX  company refused to refund, so I filed a dispute with Chase Bank. For the first time, I didn't know what information to provide, and I didn't receive the notice that the bank needed me to hand in any information, so I missed the first dispute. So I proposed to the dispute Department of Chase Bank to reopen the dispute of opening this case, and provided the tracking number, screenshot of contacting the merchant and email sent by the merchant. I called the dispute Department of chase many times, and each time I received a different answer. I provided them with all the information they asked me to provide. However, they still refused my application. Chase bank told me that the case was too long and that it could not be reopened after missing the first dispute. Chase bank did not communicate with XXXX  any more and directly closed the case. Moreover, they told me that the re application was the same result and asked me to go directly to XXXX for a refund. After many communications with XXXX, XXXX told me that their finance couldn't handle the refund and asked me to communicate the refund with Chase Bank. So I have been communicating with the two companies to deal with this matter. Three months later, I still can't solve this problem. In the face of facts, chase bank did not protect the rights and interests of consumers. XXXX  has been shirking responsibility. I beg cfpb to help me complete this case and get my refund back. Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2022, I sent Equifax a certified letter disputing inquiries on my consumer report and I have no idea about and that I want them deleted. They did their investigation and everything came back verified but not supplying any evidence that I made these transactions. The law clearly states the following.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( Fair Credit Reporting Act CFR 604 ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 USC 1681n Civil Liability for willful noncompliance ( Fair Credit Reporting Act 616 ) ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: FL

Complaint narrative:
Transunion, one of the three most important credit bureau handles sensitive and confidential information in an unsafe way for its consumers. 
They offer online services to upload documents and then do not answer for them what I consider misleading advertising to consumers. 
I have been disputing fraudulent information on my credit report and they do nothing, which has affected me directly. Several months ago I sent them the required documents and they say they have never received them. My question to them is where are my rights and where my personal information went to? They simply avoid the answer and ask to the consumer to repit the same process over and over without solving the issues.

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 2022-03-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to file a complaint against a collection agency, Experian, XXXX XXXX, and XXXX Credit Bureaus regarding reporting inaccurate information and providing fraudulent credit information. This disputehas been filed 4 times for a Collection Item from [ XXXX XXXX XXXX ] This is inaccurate because, the amount listed as a debt was paid in full to the original creditor ( XXXX in XXXX XXXX XXXX on XX/XX/XXXX. I have included a copy of the Move Out Statement from the original creditor dated XX/XX/XXXX that shows a balance of {$0.00}. I am requesting that this item be removed from my file. 

This is also inaccurate because, the balance owed of {$570.00} listed is wrong, as this was paid in full to the original creditor on XX/XX/XXXX. 

This is also inaccurate because XXXX XXXX has reported different amounts to the bureau weekly over 6 times between XX/XX/XXXX and XX/XX/XXXX. This amount should not be changed. 

I have forwarded the following documentation to the entities listed above to supporting my claim : 1. Letter to Experian, XXXX, and XXXX XXXX. 
2. Move Out Statement- Provided by the original creditor upon my move out. Listing the full payment of the amount owed of {$1100.00} dated on XX/XX/XXXX. I am requesting this be removed from my credit file or changed to reflect correct information. 
3. Resident Ledger-Provided by the original creditor showing a corrected balance listed XX/XX/XXXX. This was sold to XXXX XXXX as a debt 2 months after the move out statement was provided with {$0.00} balance owed. I am requesting this be removed from my credit file or changed to reflect correct information. 
4. Experian Credit reportingXXXX XXXX XXXX XXXXXXXX stated I paid the collection amount in full to them and have a {$0.00} balance. This is fraudulent. I have not paid any amount to I XXXX XXXX XXXX XXXX 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