vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute letter with on XX/XX/2021 XXXX, Equifax and XXXX regarding a several accounts that are reporting on my consumer reports that are unverified and other accounts that were opened fraudulently and were closed due to fraud and XXXX refuses to remove it. The account is being reported as bad debit when in reality it was fraud that was never investigated. Its been more than 30 days and the accounts in my letters are still reporting. Under Federal consumer law, 15 USC 1681i A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: UPGRADE, INC.
State: FL

Complaint narrative:
In mid XX/XX/XXXX, I initiated a dispute with the credit card company regarding a {$1500.00} charge made by a vendor who misrepresented availability of a product which I paid for using my card. 

On XXXX XXXX, XXXX, I emailed the credit card company to ask the status of the dispute. On XXXX XXXX, XXXX, I received an email which stated the matter was still being investigated. That XXXX XXXX email from the company did not request anything further from me, i.e., documentation, etc. 

On XX/XX/XXXX, I received an email from a different representative that said the dispute was declined. I was told by phone that the reason the dispute was declined was because the company had sent me an email requesting more info from me that I did not respond to. I told them I have no record of receiving that email and the company has refused to provide a copy to me. I have asked for an appeal but was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: IN

Complaint narrative:
On XX/XX/2022 I spoke with a rep from collection agency informing them of debt not being owed. I also had XXXX on the other line which said the account was never sent to an agency as it was paid in full at the time of disconnection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc
State: CA

Complaint narrative:
I mistakenly transferred an amount of {$5000.00} of XXXX from my Binance.us account wallet address : XXXX into my Blockfi wallet address : XXXX on XXXX XXXX AM XXXX. I realized funds did not make into my account and contacted XXXX for status of my deposit. I was informed that the transferred amount that was transmitted onto wrong network ( BSC ). I was unaware of the transaction being sent onto wrong network. I was told that there could be no resolution to retrieve my funds back. This was unacceptable so I'm filing a complaint. If Blockfi.com is a custodian of my crypto assets then they should be able to and have a process in place to retrieve funds that customers ' mistakenly transfer onto incorrect network which can obtainable by the private key to the wallet address. 
Transaction link : https : XXXX I am sure there are others that lost money through these types of transactions. So XXXX be XXXX can make changes to their custodian practices or process. But what they have in place now is unacceptable practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have advised Navient for over six years now that this loan for {$5400.00} was paid off to XXXX XXXX. XXXX XXXX did not report the correct information to three others lenders who bought the loan. In for years it has accrued lots of interest. They are showing a outstanding loan for $ 16k and thats not correct. I need this issue address and cleared off my credit report. Its over 30 years now. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
On XXXX XXXX I was contacted by Portfolio Recovery Services on behalf of an alleged debt of {$450.00}. According to 15 USC 1692 ( 2 ) a debt collector may not state such consumer owe a debt. I have not consented to the selling of my private information in disclosure of my love of dwelling, I have no bonded contractual agreement with the company in pursuant to an alleged debt. This is also a direct violation of 15 USC 1692f unfair practices I have never consented nor have done business with this company who is reporting inaccuracy to my consumer report which is a threat to my moral character and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Despite the multiple previous written requests, the unverified collection listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX VA XXXX XXXX XXXX XXXX Balance : -

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 2022-03-02 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: NY

Complaint narrative:
In XXXX of XXXX I made a payment of over {$3000.00} to XXXX XXXX XXXX after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to XXXX to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for XXXX XXXX XXXX. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with XXXX and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from XXXX or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX  of 2020 when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic. 

Thank you.

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 2022-03-02 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: NY

Complaint narrative:
In XXXX of XXXX I made a payment of over {$3000.00} to XXXX XXXX XXXX after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to XXXX to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for XXXX XXXX XXXX. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with XXXX and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from XXXX or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX of XXXX when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: NY

Complaint narrative:
In XXXX of XXXX I made a payment of over {$3000.00} to XXXX XXXX XXXX after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to XXXX to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for XXXX XXXX XXXX. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with XXXX and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from XXXX or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX of XXXX when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic. 

Thank you.

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 2022-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Re : XXXX XXXX account # XXXX XXXX XXXX XXXX Synchrony bank Please note that all the below references are incorrectly charge as items have been return to XXXX an XXXX records show that refund credit to store card herein, But my account with you are still debit a copy of this email will be sent in writing to : Synchrony bank XXXX XXXX XXXX XXXX FL XXXX As well to the XXXX XXXX XXXX and Federal Trade commissionXXXX 

On XX/XX/XXXX ref # XXXX was transacted for {$84.00} Per XXXX : Return complete Your return is complete. Your refund has been issued. 
When will I get my refund? 
A refund will appear on your bank account or credit card statement within the next 7 days. 
You've already requested a return of this item Refund issued Solar Panel License Plate Frame Rear... 
{$110.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX ** but I am still being charged for this purchased. 

Next item error charge for is Reference # XXXX Pyle Dash can review mirror charge of {$110.00} You've already requested a return of this item Refund issued {$110.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX But I am still being charge for such item*** Next error charge is for reference # XXXX Introducing Blink Video Doorbell + Sync... 
Color : Black You've already requested a return of this item Refund issued {$59.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX, XXXX Next error is reference # XXXX Item stocking stuffer the unique thing about this order it was cancel by seller and your still charging me for it Return received A refund will appear on your original payment method in XXXX business days. 
When will I get my refund? 
Your package is returning to XXXX because of one of the following reasons : Damaged in-transit, carrier could not locate your address, or refused by the recipient. 

Last item reference # XXXX Smart Video Doorbell,2.8 inch TFT LCD... 
You've already requested a return of this item RefunXXXX issued {$36.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX Unable to load image Solar Panel License Plate Frame Rear... 
You've already requested a return of this item Refund issued {$110.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/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 explanation
Consumer complaint received 2022-03-02 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: TX

Complaint narrative:
On XX/XX/2022 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
According to an email on XX/XX/2020 XXXX pm and prior to, a note for {$100000.00} for the purchase of a property and a stock power for {>= $1,000,000}, was delivered to TD Bank XXXX PA for deposit but was declined. Trustee was told the complete copy of the trust was needed. It was agreed upon under the conditions that they, TD Bank can produce a policy explaining this, signed and dated. They never provided the policy which is a violation in itself when requested by the entitlement holder. Trustee met all requirements for the establishment of the account. Affidavit of Surety and Certificate of Identity XXXX XXXX, fee schedule and UCC1 was forwarded to XXXX XXXX of TD Bank XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX along with entitlement orders on XX/XX/2020 by registered mail # XXXX as Return Receipt for Merchandise and was received on XX/XX/2020. XXXX was notified with no avail. XXXX XXXX will be included in this complaint. I have been damaged. Trust has been violated per Title 15 USC Section 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX ( Today 's date ) On XX/XX/XXXX I attempted to use my SunTrust debit card at a restaurant. It was declined. I immediately called SunTrust to find out what the issue was with my card and was told that my account was frozen and pending an investigation due to one of the following reasons : 1.Unsatisfactory handling 2.Negative reporting from another bank 3.History of return items I was then told that the specific reason would be sent to me by mail within the next ten ( 10 ) days. I have yet to receive any information on why my account is frozen.

I have made more than a dozen phone calls and visits to the local branch of SunTrust and I continue to get the same message, as stated above ) from representatives on the phone and in the branch.

My problem is that I have had two direct deposits, one from Social Security and another from my retirement pension, that were deposited in my checking accounts after XXXX XXXX ( the day my accounts were frozen ). 

The Social Security check was directly deposited on XX/XX/XXXX and the retirement pension check was directly deposited on XX/XX/XXXX, well after the date that my account was frozen. I was not able to stop the direct deposits with the Social Security Administration and the XXXX XXXX XXXX of Georgia from depositing due to the lack of time that the freeze took place. Thus, both direct deposits went to my accounts as usual. I have been receiving both direct deposits since my retirement which officially began in XX/XX/XXXX which Im sure SunTrust can verify. These are my living wages and I understand that both forms of income are exempt from the frozen status. 

I am requesting that my living wages ( Social Security and retirement pension ) be released to me immediately so that I can carry on with the necessities of life such as paying my mortgage, paying my utilities, and buying food. 

I am a senior citizen, living on a fixed income and Im asking that you honor my request to release my living wages from my checking accounts at SunTrust, now known as Truist.

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 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fraudulent activity

Company response to consumer: Closed with explanation