vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've repeatedly disputed the third-party collection agencies that brought the original creditors that were included in myXX/XX/XXXXXXXX, bankruptcy. I would like to know what proof was provided to Experian, report number, XXXX, XXXX. XXXX, 2022, to remain as accurate reporting? Because I'm disputing the original creditors that were sold to the third-party collection agencies listed below. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$410.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2700.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$8800.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2500.00}, Original creditor,XX/XX/XXXXl XXXX, XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2400.00}, Original creditor, XXXX Bank, Contact info, XXXX. 

Best regards, XXXX XXXX XXXX XXXX ( XXXX ) XXXX cellphone number

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 2022-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I requested to open a secured credit card in order to help build up my credit score on XX/XX/2022, saving account ending in XXXX secured credit card savings. I applied {$400.00} dollars as required. I called several times to find out the where about of my credit card. I was giving misinformed information over the phone repeatedly. I was told from customer service that their systems are converting to the recently merged from BB & T to Trust. I received my card in the mail yesterday but that was after the fact when I called in to the credit card department and was told that the card was not submitted, out of anger, I requested to have the credit card canceled and the refunds returned to my account. I was told that it can take 30 days to do so. The bank gives customers misinformed information about their own accounts and during the process, the customers don't have access to their own funds due to the bank errors and inaccuracy. This is unacceptable to punish customers for their out-of-data system by holding customers ' funds and not releasing them by applying the funds to another account, sending a check by mail, or in-person return funds.

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 2022-06-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Starting on XX/XX/XXXX to XX/XX/XXXX there was unauthorized transactions done by an alleged family and close family friend. As I was displace and XXXX  because the house I was receiving mail at was my grandfather 's house that passed away leaving me to have no choice but to move out. So the alleged family member told me that all mail be stopped and return to sender so I called XXXX to let them know my situation then was told that they didn't have access to my account that I needed to contact bank of America so I did and they had suspended my card and was told that there was a claim to be filed so I did but told them how can I receive my card if the address on file is not valid no more due to me not living there no more so then was told to contact XXXX for change address so within the time frame I was checking in my account I wasn't able to get access to my account because someone had access to my account and set up my online account and I wasnt able to verify myself questions were set up without knowing and having no authorization on who or what the answers were given so every time I would call to get help on my situation it was a hassle I losing hope til recently I was given a bag full of my mail which was sent to me by my brother that he had found in my grandfather 's storage that only my alleged family had access to so I finally was able to get through with bank of America and filed a fraud claim that was made on XX/XX/XXXX that was then denied on XX/XX/XXXX due to being a reopen claim that was made last year in XXXX of XXXX which was done by not me but the person to whom was commiting fraud on my account. So I tried telling bank of America explaining my situation for them keep repeating that I'm not able to file a claim for all transactions made not by me so I was told I can only file a new claim for the transactions that were not on the claim which came out be only XXXX which didn't make sense if there was more then that amount that filed which the total amount should of been more then XXXX which would be {$29000.00} that I was defrauded for

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 2022-06-19 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: Shellpoint Partners, LLC
State: VA

Complaint narrative:
New Rez -Shell Point mortgage incorrectly credited a payment to principal and then reported a 30 day late, when in fact, they had the payment and a I had sent a second payment once I was notified ( only via US Post almost at the 30 day limit ) so they had a double payment. I am on a credit monitoring service. I complained to both the monitoring service and New Rez. I have tried spending hours on the phone to get no where with New Rez. Their customer service is rude. I have uploaded the complaint letter and documentation to this website. New Rez never even acknowledge receiving my complaint. In frustration with them, I paid that mortgage off and now that account is closed. I would like to get my XXXX credit score back. Their reporting has dropped my score to XXXX. Please help me fix this error which New Rez will not even acknowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: VA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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

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 2022-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am extremely upset and am considering sharing my experience with the local news, XXXX, and any other outlets for consumer protection that exist. The FDIC encourages banks to work with consumers affected by COVID-19. These efforts may include waiving certain fees, including overdraft, ATM, late payment, early withdrawal, and other fees.. This bank did not follow covid protection protocols put in place by the President of the United States for anyone affected by Covid. I clarified that I was affected by covid and I also was severely struggling due to the pandemic. I made proper people aware of the situation and I was basically treated like complete disgustingness by the bank staff and their behavior deserves to be investigated. Not to mention I was forced to pay fees that I could not afford, that were out of my control because the bank refused to assist me regarding the issues I had. I want the chairman of the bank involved I want an explanation of why he thinks this is ok to do to people who are struggling and who were affected by the pandemic directly. I lost so much from this pandemic and how it affected my life, and the bank did not protect me. Now, I paid this bank off immediately after they closed my account, on XX/XX/2021 and SunTrust bank has yet to REMOVE the report THEY HAVE BEEN PAID and there is NO MONEY OWED, there is no reason to hurt my credit, this was not intentional this was because I was affected by XXXX REMOVE the report from my XXXX XXXX now! I demand this issue be resolved and I also demand any and ALL overdraft fees, bank fees, and any other fees that were erroneously, illegally, or improperly charged to my account and taken from me to be immediately refunded. SunTrust should be ashamed of how they treat their customers. I will also go to social media and tell my story in detail. YOU ARE RUINNING MY ABILITY TO GET BACK ON MY FEET AND RUINNING MY QUALITY OF 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 2022-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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

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 2022-06-19 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: VA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX incorrectly credited a payment to principal and then reported a 30 day late, when in fact, they had the payment and a I had sent a second payment once I was notified ( only via XXXX XXXX almost at the 30 day limit ) so they had a double payment. I am on a credit monitoring service. I complained to both the monitoring service and XXXX XXXX. I have tried spending hours on the phone to get no where with XXXX XXXX. Their customer service is rude. I have uploaded the complaint letter and documentation to this website. XXXX XXXX never even acknowledge receiving my complaint. In frustration with them, I paid that mortgage off and now that account is closed. I would like to get my XXXX credit score back. Their reporting has dropped my score to XXXX. Please help me fix this error which XXXX XXXX will not even acknowledge.

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 2022-06-19 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: VA

Complaint narrative:
XXXX XXXX XXXX  XXXX mortgage incorrectly credited a payment to principal and then reported a 30 day late, when in fact, they had the payment and a I had sent a second payment once I was notified ( only via XXXX XXXX almost at the 30 day limit ) so they had a double payment. I am on a credit monitoring service. I complained to both the monitoring service and XXXX XXXX. I have tried spending hours on the phone to get no where with XXXX XXXX. Their customer service is rude. I have uploaded the complaint letter and documentation to this website. XXXX XXXX never even acknowledge receiving my complaint. In frustration with them, I paid that mortgage off and now that account is closed. I would like to get my XXXX credit score back. Their reporting has dropped my score to XXXX. Please help me fix this error which XXXX XXXX will not even acknowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX mortgage incorrectly credited a payment to principal and then reported a 30 day late, when in fact, they had the payment and a I had sent a second payment once I was notified ( only via XXXX XXXX almost at the 30 day limit ) so they had a double payment. I am on a credit monitoring service. I complained to both the monitoring service and XXXX XXXX. I have tried spending hours on the phone to get no where with XXXX XXXX. Their customer service is rude. I have uploaded the complaint letter and documentation to this website. XXXX XXXX never even acknowledge receiving my complaint. In frustration with them, I paid that mortgage off and now that account is closed. I would like to get my XXXX credit score back. Their reporting has dropped my score to XXXX. Please help me fix this error which XXXX XXXX will not even acknowledge.

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 2022-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
I have a loan from XXXX XXXX Bank, now Community Bank in NY. It's for a usedXX/XX/XXXX. I want to pay it off. I have 23 payments left. XXXX is the monthly payment. The bank is telling me the payoff is XXXX as of XX/XX/17. That is a total of the monthly payments. I have called 3 times requesting the principal balance and I keep getting told the XXXX is what I owe to pay off the loan. I thought maybe they already got all of their interest in the way the payment was setup. That is not the case. Their website and the 3 people that I have talked to tell me the same thing. There is nowhere on the site to pay the principal. I'm being forced to pay interest on a loan I can payoff now. I know if I just make a large payment, it will be applied as if I'm just paid ahead. Not reducing the principal balance whereby reducing the amount of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
live in the XXXX and have rental properties in XXXX from which I take income. Years ago I setup wire transfers with Suntrust and received the alphanumeric pin and got a repeat code for international transfers to my XXXX broker. Calling their wire ops and using my codes was quick and easy. I was concerned with the effect of the merger with Truist but everything seemed smooth. Until XXXX. When I called to initiate my usual repeat wire I was redirected to the new Truist wire operations department but it appears the system has changed and I now require a new 6 digit phone wire profile and corresponding pin. This is where the 'fun ' began. Over the first week in XXXX week I called 27 times and spent a total of over 7 hours on calls in an attempt to apply for these new access codes, but their system constantly throws me out as it does not recognise my lack of SSN, ( as a non XXXX resident I do not have one just an ITIN ), tells me I'm transferring to an operator and then cuts me off. If I try the wire numbers ( retail or Treasury ) I can't get past not having a pin to speak with someone. On the rare 3 occasions I finally managed to talk to an associate they didn't know what to do either and I've been transferred around everywhere in circles. The last call was with a lovely lady in Treasury who tried and tried to find this information for 2 hours and 13 minutes before transferring me in desperation and ... ..the number was " unavailable in my location ''. I've now tried 8 separate telephone numbers in the process. I used webchat and called my XXXX branch and no one there could help at all either. I even tried to contact Corporate headquarters but again ran into an automated menu with no option to speak with anyone directly. I emailed their CEO directly, their investor relation and even their media department but all were ignored. So, XXXX XXXX I made a physical branch visit as I was in DC and spent XXXX hours with a Senior Relationship banker as he tried to assist. I left him for another XXXX hours working on it and went to lunch. On my return he informed me that Truist does not have phone wire transfer facilities for " ordinary '' retail clients only for business and hi net worth accounts. Everyone else has to go into a branch ( from XXXX!? ) He then explained he had managed to contact the department that services hi net clients and they would make an exception for me. I signed the authorisations that day and flew back to the XXXX. That was nearly 2 months ago and I STILL have had no contact from anyone in Truist to give me the required wire profile code and pin to enable me to access my funds. This is the only way I can get at my money and Truist do not care, in effect they are knowingly obstructing me access to my funds for months now.

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 2022-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover closed my banking account on XXXX XX/XX/2022 with no other details than " due to a business decision. '' They refused to offer me further information when asked. This came after freezing my account on XX/XX/2022. This required me to stay on hold for over 14 cumulative hours to even talk to a security representative as they had no means of other contact and had high volume supposedly for " fraud attacks. '' Calls were frequently dropped on their end after being on hold for XXXX minutes at a time. My account was in good standing with a maintained balance and no overdrafts, fines, etc. I had recently made a deposit of {$16000.00} from a check that was a gift from my mother.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Was hired by a company which I have all the records had a web page I checked everything was told was on 2 week period fot employment was to buy products send to another company in XXXX. I did they send me packingings slips they paid off 4 of my credit cards to use and there bank account to pay off once they recieved there goods about in 2 weeks they reversed the payments from the bank on my cards and now the cards are coming after me. I have called them many times with no luck it comes to almost XXXX the cards are XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX I will attached all the paper work below, I have filed a police report FDIC It is ruining my credit because I refuse to pay. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I contacted Professional Debt Mediation via certified mail in XX/XX/XXXX to inform them that they are in violation of the Fair Credit Reporting Act by listing the debt as an open balance and public information without my consent. I also challenged them to validate the amount of XXXX and the validation letter I received was incomplete and inconclusive due to the fact that rental ledger I received from them only listed rental charges beginning in XXXX XXXX in the amount of XXXX. There is no ledger listed from XX/XX/XXXX ( the first day of the rental ). Also, in the rental agreement XXXX XXXX is listed a my nearest relative. This is inaccurate/false because the handwriting is not mine. This complaint is based on inaccuracies and lack of full disclosure which violates FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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