vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/ I went to the banking center above and purchased a cashiers check to pay my rent at XXXXXXXX XXXX. The Cashiers Check was for {$2200.00} made payable to XXXX from my Business Checking Account under XXXX XXXX XXXX the fee for the cashiers check was debited from that account. 
I took the check and went straight to the XXXX XXXX and I turn the check in. The next day, I noticed that the rent payment was not posted to the rent account and I went to the office and was told that the cashiers check was lost. I immediately went to the banking center where I purchased the cashier check and I was told that the bank could not return my money to me until 90 days from the day the cashiers check was purchased. I spoke with the manager and she told me to at least wait 30 days and then she would see what could be done to replace the cashiers check. The Office Manager at XXXXXXXX XXXX told me that she could not wait 30 days for me to come up with the funds. I then spoke to my church pastor and he lend me the {$2200.00} in order to pay my rent so I would not be evicted. Thorough out this entire issue the bank manager and other employees verified that the cashier check that was lost has not been negotiated even until todays date ( XX/XX/ ). I then went on XXXX and shared my experience with the Truist Customer service and several days later I received a response from the customer advocate department ( XXXX XXXX who told me that she was going to see what she could do this was on XX/XX/XXXX XXXX XXXX 
Today, XX/XX/XXXX XXXX  called me regarding my situation Case # XXXX and informed me that there was nothing that could be done in order for me to get reimbursed the {$2200.00}. 
Please help me in getting this issue resolved by helping me in getting Truist bank in reimbursing me the {$2200.00} from the lost cashier check.

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 2023-10-20 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: VA

Complaint narrative:
CC company : Citi Cards ( XXXX card ending in XXXX ) Dispute ID : XXXX Dispute Merchant : XXXX Dispute XXXX : {$240.00} ( charge made on XX/XX/XXXX ) ( duplicate charge from XX/XX/XXXX ) I initially called XXXX on XX/XX/XXXX to book a one-way ticket ( XXXX ) for travel on XX/XX/XXXX and wanted to apply a {$100.00} travel bank voucher toward the ticket. The full price ticket was {$340.00} - {$100.00} travel voucher = paid price {$240.00}. I provided my CC # to the XXXXe Customer Service Representative ( CSR ) to finalize the purchase. However, I did not receive any confirmation on XX/XX/XXXX that a ticket was issued. I called XXXX again on XX/XX/XXXX and spoke with a different CSR to make the same booking request, and the CSR applied the travel bank voucher and charged my CC in the amount of {$240.00}. 

Subsequently, three separate charges from XXXX appeared on my CC, one of which ( {$340.00} ) was credited by XXXX. I then contacted Citi to dispute the extra charge of {$240.00} which Citi has failed to do its due diligence to resolve with XXXX. Coincidentally, I also talked to XXXX about the dispute and XXXX claimed they did not see an extra charge of {$240.00} on their end, and instead pointed the finger at Citi. What is undisputed is I purchased a ticket for travel on XX/XX/XXXX ( record locator XXXX ) in the amount of {$240.00} and nothing else from XXXX for that date, and I was charged {$240.00} x XXXX = {$480.00}. XXXX XXXX or Citi wrongfully took {$240.00} from me. I kindly request a reimbursement of {$240.00} to my CC account. Furthermore, Citi and/or XXXX should be held accountable for their lackadaisical effort in resolving this dispute. This is why I am taking the time to submit a complaint to CFPB so that you can assist me in righting a wrong. I can provide additional information as needed. Thank you. 

XX/XX/XXXX statement XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  {$240.00} NAME : [ My First Last Name ] DEPART : XX/XX/XXXX XXXX TO XXXX : XXXX : CLASS : O : STOP : XXXX TO XXXX : XXXX : CLASS : O : STOP : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$340.00} NAME : [ My First Last Name ] DEPART : XX/XX/XXXX XXXX TO XXXX : XXXX : CLASS : O : STOP : XXXX TO XXXX : XXXX : CLASS : O : STOP : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX$240.00} NAME : [ My First Last Name ] DEPART : XX/XX/XXXX XXXX TO XXXX : XXXX : CLASS : O : STOP : XXXX TO XXXX : XXXX : CLASS : O : STOP : XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  - {$340.00} XX/XX/XXXX statement XX/XX/XXXX CITIBANK CONDITIONAL CREDIT FOR DISPUTE - {$240.00} XX/XX/XXXX XX/XX/XXXX REVERSE XXXX XXXX XXXX {$240.00} New balance {$870.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$870.00} - {$870.00}

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 2023-10-20 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I am not liable for this debt with " XXXX XXXX '', " XXXXXXXX XXXX XXXX '' " XXXX and do not have a contract with " XXXX XXXX '' " XXXX XXXX XXXX '' XXXX XXXX  ''. They did not provide me with the original applications like i been asking for months.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX  Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to dispute certain items on my credit report that I believe are inaccurate and should be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the disputed items for your reference. I have also asked all 3 bureaus to correct my personal information. My name and it's correct spelling, my date of birth, my address and employer... I also asked for all other incorrect personal information be deleted and removed from my credit report.

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 2023-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
After submitting an online application, we received a Pre-Approval letter from XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). When we requested the Loan Estimate, XXXX refused ( on four separate occasions ) to provide it without the Contract - violating TILA-RESPA Integrated Disclosure Rules ( TRID or TRID Rule ). Specifically, XXXX messaged us the following : On XX/XX/23 at XXXXXXXX XXXX, " I do require the contract first - there are many details in there that impact what numbers would be on the Loan Estimate. '' On XX/XX/23 at XXXX XXXX, " I'm willing to provide the Loan Estimate once I have the contract as mentioned before. '' On XX/XX/23 at XXXXXXXX XXXX " I don't have the necessary information to provide a Loan Estimate without the contract. There are several data pieces required by a lender to provide the Loan Estimate and I don't have all of them. '' What XXXX didn't realize is that we were fully aware that only 6 pieces of information are required for a Loan Estimate. We had already received 3 Loan Estimates from other lenders. He was the only one who did not operate in Good Faith and attempted to procure the contract through deception. 

XXXX XXXX 's interim director did not have an explanation for the behavior. He advised the missing piece of information was the property address. I provided the address and received the Loan Estimate. A new loan originator was assigned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST NATIONAL BANK OF OMAHA
State: AL

Complaint narrative:
The company has already collected the debt by garnishment. I provided the documents proving the garnishment from a past employer. The amount was mailed to the XXXX XXXX Court House in XXXX, AL.

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 2023-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
Prior to transferring to Mohela I was on PAYE. Following the transfer I noted Mohela switched me to 10 year installments with increased my monthly payment by about {$2500.00}. I immediately tried to enroll in the Save program through StudentAid.gov back in late XXXX. When my application wasnt processed by XXXX I contact Mohela which advised me to submit a verbal application with them ( which I did ). They then placed my loans on administrative forbearance. I called several times following and have submitted complaints through studentaid.gov stating I did not want to be in forbearance. I wanted to resume payments under the SAVE program. I was unable to accomplish this. Finally, my last message to Mohela resulted in them restarting my loans again under the 10 year rate with a due date of XX/XX/XXXX ( 3 days following this change ). Interestingly, my loans themselves are still listed in forbearance and Mohela has yet to contact me or send me any correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to bring to your attention two unauthorized inquiries that appeared on my credit report. The details of the inquiries are as follows : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX  Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX  Reason : I don't recognize this inquiry I request that you investigate these inquiries and provide me with information regarding the nature and purpose of these credit inquiries. Please take the necessary steps to rectify any errors or unauthorized activities associated with my account. 

Thank you for your prompt attention to this matter.

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 2023-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I applied for personal loan about XXXX and denied by citi bank reason Citibank deposit relationship insufficient. I been with citi bank for about 15 years. I need more explanation

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
improper use of credit report and reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
improper use of credit report and reporting company used my report improperly

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 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Unknown company contacted me to collect about an unfamiliar debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I should have submitted a complaint in XX/XX/XXXX, due to a similar situation, but I was not clear on how Bank of America was conducting business until now. In XX/XX/XXXX, I performed a balance transfer with a 15 month 0 % promotional rate, but continued using my card as normal, with anticipation of paying any interest accruing balance immediately upon statement due date. However, in XX/XX/XXXX I was charged interest of {$1.00} on purchases even though I paid an amount to cover those purchases plus a minimum amount due. I called and had the interest refunded and stated my complaints, but the rep just brushed it off and said " well we usually tell customers to not use their credit cards while carrying a promotional balance. '' Then at the end of XX/XX/XXXX I received another interest charge of {$0.00}. I did not worry about fighting with BOA again as it was a small amount and I quit using the credit card and moved on to another card. Now, I have received an interest charge of {$0.00} for XX/XX/XXXX for a charge I made on an account that the card was saved as a payment method. The charged amount was {$8.00} on XX/XX/XXXX and I even paid an extra {$8.00} on XX/XX/XXXX prior to statement closing date of XX/XX/XXXX but after payment due date of XX/XX/XXXX for statement period ending XX/XX/XXXX. It is now evident that BOA is charging interest on purchases made during a statement period even if payment is made before the close of that statement. Is this type of practice allowable? In my eyes this is exploitation that my conscience views as unlawful but certainly unethical. Sure, it's only {$0.00} total, but I had to call and spend 40 minutes on the phone for {$1.00} just to prevent the total interest from being {$1.00}. If BOA does this to XXXX customers, then they pocket {$16000.00} and most likely I was the only person to spend the time to fight for the interest. All of my credit other accounts with other institutions I have ever used with any kind of promotional apr allow you to pay an amount to avoid interest after a statement has been generated.

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 2023-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Signup is clearly broken, and there is clearly an error in my account, but they will not admit this is going on, just saying " try again later '' - customer service puts me on interminable hold over and over again, has had me try all the browsers, and clearly is just waiting for me to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
I called a counterfeit XXXX and was told that I was paying my light bill. The call center number and the confirmation number were both fake. I ended up having {$540.00} sent to a counterfeit XXXX  and {$270.00} to an energy company in XXXX. I filed a dispute on XX/XX/XXXX and Chime did not refund the money back to my account after I told them what happened. I concerned that they will not approve of the dispute and will not refund me my money rightfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-20 00:00:00
Product: Credit reporting 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: PR

Complaint narrative:
They reported in my credit file this account they are not mine : name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I dispute this and have no answer.

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