vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Suntrust/Truist called my closest relatives phone number regarding a debt that I didnt know I had. A XXXX called 3 times even before XXXX on XX/XX/XXXX and XX/XX/XXXX. I dont even know how they contacted my relative unless its public records. I dont know what this is pertaining to.

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 2022-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received surprise email on the morning of XX/XX/XXXX stating that my Citibank accelerated savings account will be closed within 60 days, and there were no prior emails, texts, or calls notifying me of this. My account was locked and my debit card rendered useless, and all I was told by the 6 customer service people ( one who hung up on me ), was the vague language in the email, which stated that I would receive a letter in the mail stating what the issue was, and that I would not have access to my money for up to 60 days, and that it would be mailed to me! 
Since customer service wouldn't even tell me the reason why my account was closed, or if my address was up-to-date for the check to be mailed to, I had to search for a physical Citibank branch in another state. After 2 more calls, I finally got some minor info that there was a fraudulent charge, confirmation that Citibank sent XXXX notifications to me prior to the email, I still had money in my account ( phew!! ) and that it could take up to 90 days to access my funds!! 

I have had a Citibank account since XX/XX/XXXX, and have all of my emergency fund savings in that account and had no plans to close it, but after this experience, no guarantee that I will have access to my life savings ( thank goodness I have another bank or how would I pay my bills?? ), and probably a black mark on my banking records, Citibank will be losing a customer.

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 2022-04-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX- XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX / {$14000.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX XX/XX/XXXX XXXX XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX $ XXXX XX/XX/XXXX XXXX XXXX XXXX {$750.00} / XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX $ XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was incorrectly reported as deceased and was unable to obtain my credit score. I hired an attorney and submitted corrections, but they still haven't updated my information. I still don't have access to my credit score. I have suffered severe economic hardship and loss as a result.

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 2022-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I've contacted All 3 credit agencies in regard to these hard inquiries on my credit report. These are all unauthorized. I've called many times and every time I'm not getting the assistance that I need. I make a request to speak to a supervisor and the representative always disconnect the line. Can someone please assist me? I don't know about either of these inquiries. Also, the company that I'm referring to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-04-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a XXXX XXXX XXXX through the bank of America and they closed my card without notifying me or telling me that it was closed. They refused to allow me to use my card to purchase things for my son who is in college. I was informed over the phone that I must enter the bank with 2 forms of ID to get access to the card. I see no reason why they would close the card and wont tell my why they closed the card.

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 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hello on XX/XX/XXXX my brothers Bank of America account was hacked and he was charged with three XXXX transactions {$110.00}, {$160.00}, {$34.00}, the package had also shown up to our house, my parents called XXXX right away and they told us to file a. fraud claim with the bank. So my parents filed the claim and Bank of America resolved the claim, they gave back his money and my parents decided to close my brother bank account since they thought it may be hacked again, so they went to Bank of America and we asked if it's safe to close the account and that the claim will not reopen, they said its okay to close the account, so we closed it on XX/XX/XXXX. Then on XX/XX/XXXX my Bank of America account was debited three charges of {$110.00}, {$160.00}, {$34.00}, I was confused and called the bank, they said they reopened the claim since XXXX denied the funds and since I had a joint account with my brother they took the money out of my account, even though we were told closing the account meant that the claim was closed, but I guess not, they took this money out of my account, then all of a sudden on XX/XX/XXXX I was returned {$160.00}, from the claim but they still owe me {$150.00}, I have been calling Bank of America almost every day since then and they are giving me random answers and are refusing to help, I even went to my local Bank of America financial centers to see if they could help, and they couldn't, I was then told to contact the merchant of the claim which is XXXX, I called XXXX on XX/XX/XXXX and they told me that they can not do anything since the charges are from almost a year ago which is understandable, but just makes me so livid since I really need the money to pay for college in the fall. Every time I called Bank of America I received many different answers such as, one lady said she will withdraw the claim on my account and my money would be retuned in 3-5 days and I waited two weeks and got nothing, another lady said she will tea sit to her supervisor and that he approved that I should get my funds in 3-5 days and still got nothing. Bank of America really gave false hope and I just want this issue resolved and my money returned, I hope you can help 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 monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX has posted XXXX negative marks to my credit. XXXX, XXXX, XXXX, and XX/XX/XXXX. Additionally XXXX, XXXX, and XX/XX/XXXX. They claim I owe {$350.00} charge for a paramedic from XX/XX/XXXX. I never received any notices of this charge, and was unaware that I owed anything. I didn't receive care from a paramedic on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / {$14000.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX $ XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2022-04-19 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: PA

Complaint narrative:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / {$14000.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} / XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX $ XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2022-04-19 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-04-19 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
During XXXX, I was attending XXXX school at least half time. Navient, the servicer of several loans, failed to contact me and inform me that my student loans were not in deferment. It was not until XXXX that I was made aware that Navient was demanding payment. I spoke with a representative from Navient, and they steered me into a forbearance, and gave me additional ACCOMMODATIONS to address what they were claiming as a delinquency. Navient also initiated Income Based Prepayment, and wrote me a letter of Good Standing. However, even though I brought the a account " current, Navient continued to report that my accounts were 90 days delinquent, which damaged my credit score and my ability to secure an auto loan.

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ), which provides, in part that " If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). '' However, as noted above, Navient continues to report my accounts as 90 days delinquent. Navient is violating the FCRA, and/or other laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting actXXXX Account # 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 XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I have a long-term business account with PayPal. I invoiced my customer for training so that they can pay by credit card instead of invoice. The customer agreed to pay in advance of service. However, when the customer paid the invoice by credit card on XX/XX/XXXX, PayPal placed the payment on hold. First, PayPal claimed that my account was too new. Then the system stated that I needed to confirm receipt and the customer needed to confirm receipt, with that the payment would be released within 3-7 days. As of today, I have confirmed receipt and my customer called into customer service to confirm receipt. However, payment has not be released as promised. Customer service now states that it could take up to 21 days for the funds to be released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Contact company multitude times over 4 years and send documents of lawsuit papers of the amount XXXX and the original owner of debt. Breached its own contract by charging improper fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: AZ

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

1 ) XXXXXXXX XXXX XXXX  XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) Dept of Ed/XXXX XXXX 6 ) XXXX XXXX XXXX XXXX 7 ) XXXXXXXX XXXX XXXX  XXXX XXXX These accounts have 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 an 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 2022-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I was given advice by the lender in consolidating my loans. This advice impacted me in a negative way. First, the interest that I had accrued by that point was automatically capitalized making the student loan compounding. Secondly, the interest rate was simply averaged out over the loans. I could have paid higher interest loans off earlier helping me get out from under the debt. I know more now, but I was misled by the loan servicer through the consolidation process. I was never told by the account rep during our conversation that the interest would be capitalized. 

Date and actions On XX/XX/2015 the total of {$19000.00} was capitalized and I began paying interest on that amount. This was due to consolidation. That was an amount already interest with zero benefit to me as a debtor ( other than having a single payment vs multiple ). 

I am also unclear on why the amount went from XXXX -> XXXX during the consolidation process ( XX/XX/2015 )

Company response to consumer: Closed with explanation