vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
In XX/XX/2020 I allowed my friend deposit her unemployment back paying my accchecking @, fifth third XXXX XXXX XXXX ind.XXXX I then went and withdrew it XXXX XXXX of her money in cashier XXXX and the remainder of her dep she had owed me were I gave her personal loan of XXXX inXXXX so the other XXXXshe payed that bk to me and the fraud dep said they wasclosen my acc and sending money bk to unemployment stating fraud well there was nofraud but the fraud lied they never sent money bk I called president of bank XXXX and I got letter in XXXX from him stating they closed my acc which was pose be closed in XXXX and XXXX the money was still in my accent just now said closed and haven't give my money bk they never sent no money into unemployment and didn't release it to me and I demand my money there saying I had no money in my acc yes I did I have proof also. XXXX XXXX plz help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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 — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I HAVE HAD FIFTH THIRD FOR YEARS WITH NO MISSED PAYMENTS OR ISSUES UP UNTIL THE PANDEMIC. AFTER MY CREDIT LIMIT WAS LOWERED WITHOUT ANY CORRESPONDENCE OR NOTIFICATION, I AGREED TO UTILIZE THE HARDSHIP OPTION FOR MY ACCOUNT. IN XX/XX/2021 I WAS MARKED LATE & I CONTACTED FIFTH THIRD IMMEDIATELY. I MADE THE REPRESENTATIVE AWARE THAT I HAD BEEN SICK & ALSO LAID OFF WORK DUE TO COVID. I ALSO WENT ON TO CONVEY THAT I WAS UNDER THE IMPRESSION THAT MY ACCOUNT WAS STILL UNDER A HARDSHIP AGREEMENT. EACH OF THE REPRESENTATIVES I SPOKE TO SAID THAT THERE WAS NOTHING THEY COULD DO. I HAVE A BUSINESS ACCOUNT, CREDIT CARD ACCOUNT & PERSONAL ACCOUNTS WITH FIFTH THIRD & THE LACK OF EMPATHY & CONSIDERATION FOR CUSTOMERS DURING THESE UNPRECEDENTED TIMES IS NO LESS THAN A HEINOUS ACT. I AM TRUSTING THAT THIS MATTER BE ADDRESSED & CORRECTED. IF NOT I WILL BE FORCED TO CLOSE ALL OF MY ACCOUNTS ( BUSINESS & PERSONAL ) AS I REFUSE TO CONTINUE TO DO BUSINESS WITH A COMPANY THAT IS UNETHICAL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I HAVE HAD XXXX XXXX  FOR YEARS WITH NO MISSED PAYMENTS OR ISSUES UP UNTIL THE PANDEMIC. AFTER MY CREDIT LIMIT WAS LOWERED WITHOUT ANY CORRESPONDENCE OR NOTIFICATION, I AGREED TO UTILIZE THE HARDSHIP OPTION FOR MY ACCOUNT. IN XX/XX/2021 I WAS MARKED LATE & I CONTACTED XXXX XXXX IMMEDIATELY. I MADE THE REPRESENTATIVE AWARE THAT I HAD BEEN SICK & ALSO LAID OFF WORK DUE TO COVID. I ALSO WENT ON TO CONVEY THAT I WAS UNDER THE IMPRESSION THAT MY ACCOUNT WAS STILL UNDER A HARDSHIP AGREEMENT. EACH OF THE REPRESENTATIVES I SPOKE TO SAID THAT THERE WAS NOTHING THEY COULD DO. I HAVE A BUSINESS ACCOUNT, CREDIT CARD ACCOUNT & PERSONAL ACCOUNTS WITH XXXX XXXX & THE LACK OF EMPATHY & CONSIDERATION FOR CUSTOMERS DURING THESE UNPRECEDENTED TIMES IS NO LESS THAN A HEINOUS ACT. I AM TRUSTING THAT THIS MATTER BE ADDRESSED & CORRECTED. IF NOT I WILL BE FORCED TO CLOSE ALL OF MY ACCOUNTS ( BUSINESS & PERSONAL ) AS I REFUSE TO CONTINUE TO DO BUSINESS WITH A COMPANY THAT IS UNETHICAL

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 2021-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: KY

Complaint narrative:
I reached out on XX/XX/2021 via letter to NCB Management who owns the debt and has now outsourced to XXXX XXXX XXXX. NCB management/XXXX XXXX XXXX say I owe about {$16000.00} for a car. I have not received a letter of the notices or allowable resale of a vehicle. NCB Management still reflects on my credit report with XXXX, XXXX, and XXXX with no proof of debt owed or legitimate documents. This has harmed my credit and is considered a violation of the FDCPA and FCRA. Please advise I submitted a letter to XXXX, XXXX, and XXXX in regards to having the debt collector verify the collections and havent received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2021 I was shopping for mortgage rates online and submitted my info to a couple of lenders- one of which was JPMorgan Chase Bank, since I have an existing credit card relationship with them.

I was told that the online application is a soft pull and not a hard pull. However, when a customer representative called me he said he has my score and didn't have an appropriate response as to how he pulled my credit without my permission.

Following this, I got a letter in the mail from JPMorgan Chase Bank as well stating that they got my credit score from XXXX Consumer Relations. I had at no point authorized them to do a hard credit pull I need this expunged from my record, since I may need to apply for a mortgage loan in the future and do not want this hard pull to dent my score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express sign up bonus of XXXX points was not honored. The sign up bonus received was XXXX. When I called AMEX, they informed me the offer link I used for was for the lesser amount of points. They also confirmed the XXXX offer was introduced in XX/XX/XXXX and it is still valid today on their website. I signed up for the card from their official website. AMEXs argument is that I went to their website and somehow sign up using a link for an offer with lesser points than what has been getting advertised for almost a year. Again, the XXXX offer is still valid today on their website. The offer advertised when I signed up was of XXXX. AMEX is deceiving customers and luring them in with promises of a high sign up bonus that is not being honored. Only AMEX is able to see the offer link I sign up for which is not transparent. This is false advertisement on their end and a cheap tactic to get customers in the hook for a meeting credit card. I did not take a picture of the offer when I signed up, I attached an article from XX/XX/XXXX that advertises the XXXX sign up bonus. I signed up for the card on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems
State: SC

Complaint narrative:
XXXX XXXX has not correctly credited my account for payments made to them. I contacted the collection agency. I uploaded the payment cashed proof to XXXX website and sent XXXX XXXX  the proof of cashed payment not credited to my account. they received and cashed payment back in 2017. The only problem from my fault was that a XXXX dollar payment was not cashed back then. I enclosed with proof to them another check and they cashed it. XXXX is the balance and this should not be on my credit report at all. They are robotically calling me through collection agency for a debt not owed to them. It cost me XXXX dollars extra through my bank account to obtain the proof of payment made to them. It is XXXX XXXX  that is at fault here not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
Recently, I payed the balance in full on the account over the phone with a debit card to bring the account current. I asked the amazing and respectful lady over the phone to transfer me to an agent after she was done processing the payment. I eventually was transferred over to " XXXX ''. This is the same individual I've made multiple complaints on in the past. I immediately told him that I did not wish to speak with him because I don't like him and I don't trust him, and he does not know how to treat customers over the phone. He became super defensive and ego-driven and started trying to intimidate me. I asked him to transfer me to a different agent several times, to which he refused citing that that wasn't an option. He then hung up after I called him some foul names due to his terrible demeanor and inability to handle or escalate matters for Consumers. I called back and submitted another complaint against the individual and also was able to confirm from the different agent that XXXX lied about being incapable of transferring me to a different agent. XXXX also stated over the phone that he had been " closely monitoring my account '' since I made the first complaint against him, which I told him is deeply concerning. I then sent an email to Mr. XXXX explaining the above and also included Mr. XXXX 's office. I then reached out to a law firm and gave them the details of all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
dynamic recovery solutions shows I owe {$4500.00} suddenly " opened on XX/XX/2021 '' ( with no dates of service, billing, first delinquency or payment history??? ) from XXXX XXXX XXXX. I disputed this amount with XXXX because I have not had any anesthesia services. XXXX " resolved '' the dispute saying " was confirmed and made no changes to my credit ''. This is impossible since I have not been to XXXX ... All my doctor bills are paid..?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I purchased a car from XXXX XXXX XXXX which was consumer credit transaction per 15 usc 1602. .I was forced to pay a down payment which is a violations of the truth and lending act 15 usc 1662 ( b ). After learning of the fraud as well as false and misleading statement made by the company I then sent out a notice of rescission to all partys involved in the consumer credit transaction. They company has willful neglect to at follow the laws that were state and my list of demands for a documentary materials proving this was not a consumer credit transaction as well the the XXXX accounting paper work I have requested. I have send several notices informing them if the violations as well as tendered payment to discharge the debt with full accord and satisfaction which the company has accepted. That company has been harassing me by calling and sending incorrect forms stating a owe a alleged debt which is another consumer law violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Wilber and Associates, P.C.
State: IL

Complaint narrative:
on or around XXXX XXXX XXXX I received information from Wilbur & associates of impending action taken by them on behalf of XXXX XXXX insurance. I was informed I owed an outstanding debt in access of {$30000.00} for an accident from XXXX XXXX XXXX. After speaking with a customer service representive from wilbur & assoc. I felt I had no other alternative but to try and resolve this matter even though I am receiving a fixed income by way of XXXX. A total of {$780.00} was collected from this ordeal to date. I contacted the said company a couple of month 's later to inform them I could not afford to keep up with the payments of {$500.00} per month. I did not hear back from them until and after several attempts to remedy this situation. I finally spoke to a representative only to inform me the agreed amount and my subsequent money was suspended/deleted temporarily to which I asked about and possibly returning it to me. In addition I informed the associate that their company should reach out to the company for such an enormous amount since it was in fact an insured company vehicle. I was told that I should retrieve it from the employer at the time in which " I responded I did not give it to them '' your company should refund the collected amount. I have not heard back nor received any contact since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bass & Associates, P.C., Attorneys at Law
State: NY

Complaint narrative:
I believe that XXXX XXXX XXXX is acting unlawfully please see attachments for more information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
I had auto payment with my mortgage company Mister Cooper turned on in XXXX to pay off any balance on my account for the property XXXX XXXX XXXX XXXX. The auto payment did not charge the amount that was in my balance and therefore I was charged with making a late payment. When signing up for the autopayment, it says I authorize Mister Cooper to charge the balance on the account to my checking account, so I am not understanding why the software did not charge the whole amount. 

The over 30 days late charge has been marked on my credit report for XX/XX/2021. The auto payment was turned on XX/XX/2021, so that the balance would be paid and there would be no late charges. For some reason, the software only charged 1 month instead of the whole balance, causing the balance to be held over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
At Huntington bank, in XXXX Ohio in front of giant eagle, I deposited a payroll check. I asked them their policies on holds and if there would be one on my check and the bank teller told me no that my funds would be available next day. I asked again if the teller was sure explaining the previous weeks issued and she reassured me my funds would be available the next day. I cashed back {$300.00} of my {$1100.00} paycheck. I trusted the banker to provide me with the correct information. The next day I got an email about a hold with no explanation why. When I called Huntington explaining my experience they told me they were going to hold my funds from friday morning deposit until Thursday the following week. My electric went off from non payment because of this hold. I have a XXXX year old daughter, and XXXX older kids who are all now in XXXX  XXXX  due to the lies of the bank teller. I deposited my check under the lies of that bank teller. Now I'm XXXX  without electric until they release my hard earned money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I repeatedly keep attaching a receipt of payment to a debt collection and TransUnion doesn't correct inaccurate information. The document is proof of payment but TransUnion continues to ignore the document and report incorrectly.

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 2021-09-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I signed up for credit repair which turned out to be a scam. Naturally, the individual who was supposed to be helping me to repair my credit had access to very sensitive information, including my social security number. The person alleged they were signing me up for a secured rewards card, when in fact, they applied for the XXXX Card ( which only offers a small cash back rewards incentive ). Apparently, a dupe was made. I discovered this was not the aforementioned card when it appeared on my credit report as and inquiry and with a balance I was not aware of. I have not been able to reach this person in over a month regarding this matter and others and I have been unable to file a police report. I have disputed this with Experian but they were unwilling to remove the information from my credit report, while the other reporting agencies did. I have also contacted XXXX. This is my last recourse. Additionally, I have frozen my three credit reports so that no further accounts can be opened in my name until this is resolved.

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 2021-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about 2009 The original Banking Institute Bank XXXX was bought out by BB & T as to their Financial hardships. Since BB & T/ TRUIST have taken over this grandfather account, this Banking Institution Have Strategically attempted to have this Account Confirm to their New Rules and Policies. The Non Agreement of NON-Compliance have caused for this Final Correspondences before a Civil Lawsuit is Filed as to the Unlawful Malicious Actions and Actions as to the Alleged Return Statement Fee, in which the Alleged Statement have not been sent out and in is not in the possession of the Account Holder. Over the Course of a Two Year Calendar this institution have unlawfully Seized Fees and Costs that they are not intitled to and never in any agreeance of, therefor the Account Holder is Requesting for " ALL '' The Fees from Their Inception of this account to be refunded with Compounding Interest within Ten Days. This Is the Last " Good '' Faith effort to Finallly Resolve this matter as Time is of the Essence.

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 2021-09-19 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: NY

Complaint narrative:
I am filing the complaint against Equifax, XXXX, XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: GA

Complaint narrative:
XXXX XXXX  XXXX This company is reporting DIFFERENT DATES OF LAST ACTIVITY. 

XXXX XXXX XXXX This company is also reporting DIFFERENT DATES OF LAST ACTIVITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: GA

Complaint narrative:
XXXX XXXX  XXXX This company is reporting DIFFERENT DATES OF LAST ACTIVITY. 

XXXX XXXX XXXX This company is also reporting DIFFERENT DATES OF LAST ACTIVITY.

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 2021-09-19 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: NY

Complaint narrative:
I am filing the complaint against XXXX, XXXX, Transunion because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. 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