vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient is the worse company for communication. They sent several emails, to which you can not respond to, stating that they have transferred the account to another company. Then the loan repayments were suspended due to covid. However, all during this time Navient continues to call and harrass myself and family regarding repayment. 
This needs to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My identity was stolden Police report # XXXX XXXX XXXX XXXX XXXXXXXX police There are 3 hard inquires from cbna on my equifax credit report and equifax refuses to investigate it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: TX

Complaint narrative:
Hope you are doing well. I opened a Chime spending account ( account number : XXXX ) through XXXX website on XX/XX/21. It has been 70 days after meeting all of the requirements, but I've not received the points yet. I tried to contace the customer support but nobody replied to me. Could you please help me check this issue? 

Offer details : When you open an online Chime account online, you get a Chime XXXX XXXX XXXX, a Spending Account, and an optional Savings Account. Get started today! 
1 ) Signup with Chime between XX/XX/21 and XX/XX/21 XXXX ) Download the Chime XXXX. 
3 ) Access your account number and routing number from the app. 
4 ) Add your account number and routing number to your payroll contact or service. 
5 ) Set up payroll direct deposit and receive your first paycheck within 30 days of your sign up date to earn Points! *

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: PA

Complaint narrative:
I reached out to the credit bureau directly by phone on XX/XX/2022 to let them know i pulled a copy of my credit report, and I have several unauthorized Credit inquires displaying on my account. I also contacted the company 's prior to let them know. I was told by a Representative that Fraudulent/Unauthorized inquires could not be removed which is a direct violation under FCRA 15 U.S. Code 1681b.

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 2022-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
CFPB Please Read my Entire Complaint. 

I received the following response from Lendmark stating that they do not have to adhere to Federal law regarding loans they provide.

To Whom It May Concern : I have reviewed the complaint brought forth and offer the following explanation. The rescission notice that XXXX XXXX references does not apply to her personal installment loan. All of our loans are made in accordance with the lending laws of the state of Virginia. It is XXXX XXXX 's responsibility to make her contractual monthly payment on time. Currently her account is delinquent, she may contact her local branch to make payment arrangements. I trust this resolves the complaint brought forth if you have any further questions, please do not hesitate to contact me. Sincerely, XXXX XXXX, XXXX XXXX XXXX However, CFPB has clearly noted that lenders of this category in fact HAVE to comply with US Federal Laws. As such, Lendmark failed to provide me with the right to rescind contract which should be included in any consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT ALLY FINANCIAL ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Accounts were opened under my name by TD Bank. I called several times spoke with customer service and fraud/security. Accounts were to be closed. Then debit cards were mailed to my previous address and forwarded to me. No fraud alerts or info was provided to XXXX. As a result there has been a failed attempt with XXXX XXXX and account opening at XXXX XXXX where 2 small deposits were made to my current bank account with my credit union. I had to place a freeze on my XXXX and the 3 major credit bureaus to try to protect myself from any further fraud. TD Bank was obligated to alert XXXX  of this event to block any further incidents. Because I was not their member no responsibility was taken and I am having a trickle affect as a result. There has to be an accountability to financial institutions to protect consumers from becoming victims of theft. The thieves are more advance than multi billion dollar financial institutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-04 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: WI

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2022-03-04 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: WI

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/XXXX i got locked out of both my checking and investment account. I contacted my wealth relationship advisor to solve this problem, and they said my account was under review, with all the assets they are managing inside. 
On XX/XX/XXXX, i got an email saying that my accounts will automatically close within 60 days. 
On XX/XX/XXXX, after no solution from the bank though my advisor, i called them, and spoke with a fraud department representativa, who said that because of a previous claim, made on XXXX, my account should be closed. I told him that i was traveling to XXXX  in XXXX, if he could postpone this matter. Representative said yes, and the closing process was stopped. 
On XX/XX/XXXX, I called both the relationship advisor and the asset manager, and they told me that accounts will me closed, and that no reason was given to them. After many apologies from them, and having them said that they tried to find out the reason for the closure, we hang up.

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 2022-03-04 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have asked XXXX ( report # XXXX ) and XXXX ( file # XXXX ) to verify an account reporting on my consumer report for errors by BARCLAYS BANK DELAWARE. After multiple disputes, I am reaching out to the Bureau to help delete this unauthorized, inaccurate account that has financially hurt me and hindered my ability to extend credit. This account is said to be closed in XXXX different times and written off amount are completely different. 

XXXX claims this BARCLAY has a past due amount of {$1900.00} however the account was said to be written off for the amount of {$1400.00}. How can this account be written off on the corporation and then still accumulate additional money after the account is charged off? This is a clear error that has been reported for years. XXXX continues to update this account without correcting the error. 

For this BARCLAY account to be valid and continue to report, It needs to be the same across the board. Because XXXX and XXXX have validated the same account reporting inaccurately with errors. 

I am asking for the immediate deletion of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hi, I was banking with Bank of America since XXXX and all of a sudden my account was closed in XX/XX/XXXX with a balance of {$28000.00}. I have not received my money yet and whenever I call customer services or visit any branch they simply say we have no idea as to when would I receive my funds. 

I dont see any fraudulent transaction, chargeback or any complaints on my account, still without any notice or anything the account was closed. I have also not received any letter or any details as to why the account was closed and whats happening with my money. 

I would really appreciate if someone can look in to it.

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 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was notified by XXXX XXXX that someone using my name and SSN had opened an account with BB & T bank in XXXX NC. After some three hours over two days I spoke with people in their fraud Dept. who were difficult to understand and seemed incapable of comprehending the simplest issues such as I was not the person who opened the account and could not just go to the branch to close the account if I didn't know where it was let alone that California is not near North Carolina. 

Also I thought it was strange that they would ask detailed questions regarding MY credit and bank accounts. After I refused to disclose any of that information she said that she could not help me any further. I asked that they send a letter to me confirming that I had informed them that the accounts were fraudulent and that I asked that they be closed, She replied that she could not.

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 2022-03-04 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: MI

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2700.00}

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 2022-03-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2022-03-04 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: FL

Complaint narrative:
When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
****** CFPB - DO NOT CLOSE AS A DUPLICATE REQUEST ***** ***** CFPB - I CALLED XXXX ON XX/XX/22 @ XXXX ***** THIS COMPANY HAS NOT RESPONDED TO MY REQUESTS. 

This is a reply to complaint XXXX. I have already paid this bill. I have provided a copy of my credit card statement showing that I paid the doctor on the exact day of service that Credit Systems Inc is showing. What else can I provide? How to I further dispute this? What is Credit Systems Inc 's registered agent so I can file in small claims to get my money back?

****** CFPB - DO NOT CLOSE AS A DUPLICATE REQUEST *****

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XXXX XXXX XXXX reported a late or delinquent account on my credit report. 
The alert was reported by JPMCB Card Services. I do not have a JPMCB account and never did. This is not my account. Please correct this as this lowered my excellent credit score XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was scammed with a lot of money by XXXX XXXX guys. 
I've already reported everywhere, including XXXX, The fraud department XXXX XXXX, The fraud department of the US embassy in XXXX, and more. 
Long story short, I reported the fraud to my bank so started investigating, however, only the US bank didn't respond anything although my bank, XXXX, has contacted them several times. After all, XXXX closed the case and advised me to sue the US bank. 

The lady who is holding my money has an account in the US bank and of course, her account is locked because I reported her. 
I heard that she is trying to return my money back but she can't do anything with her account now. 
So, I went to the US bank a few days ago to ask if there is any way to release her account, but the US bank said I should report her to the police for more investigation. 
I just filed to the Federal Trade Commission fraud department and the website recommended filing to you here if I'm not satisfied with the bank 's service. 

I will go to the local police station to file her.

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 2022-03-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 
This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation