vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
We have been a BB & T Customer for over 20 years. The BB & T service including unrestricted access to viewing our accounts online has been very good with no complaints or problems. Recently, with the finalizing of the merger of BB & T and SunTrust into the new entity Truist, we tried to access our checking accounts online.

Before we can access our accounts online, we must first " agree to '' or consent to a Truist Electronic Signature Consent, which among other items forces us to " agree to '' receiving monthly statements electronically, something we do not want to agree to. The Truist Electronic Signature Consent, states that after we agree to receiving monthly statements electronically, we can change our preferences ( opt out ) and received printed copies of our monthly statements, although the Truist Electronic Signature Consent further states that we " may be charged a fee '' for " opting out of electronic delivery of monthly statements ''.

If we do agree to or consent to the Truist Electronic Signature Consent, we can not log into and view our accounts online, something we routinely did with BB & T for many, many years with no issues or constraints. Essentially, Truist is now forcing us to " agree to something we do no agree with '' prior to allowing us access to our online accounts and implying, or in fact threatening if we subsequently opt out of the electronic delivery of monthly statements, we could be charged a fee. We are currently " locked out '' of our online access because we are reluctant to being forced to agree to something we do agree with, as part of the Truist Electronic Signature Consent. Again, no such constraint existed last week before the finalization of the merger when we could routinely access our BB & T online account. 

This process just went into effect on or about XX/XX/2021 and numerous calls to the Truist customer service phone line and discussions with Branch personnel indicated that there is nothing they can do about this Truist Electronic Signature Consent policy. 

Attached is a letter I forward to the Chairman and CEO of Truist on XX/XX/2021, expressing both our surprise and disappointment with this coerced Truist Electronic Signature Consent policy, which again is now preventing from accessing our online accounts. 

Can Truist force us to agree to something we do not agree to with an implied threat of a fee, if we first agree and then opt out, in order to access our online checking accounts?

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 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital says I have a debt with XXXX XXXX for {$390.00}. I haven't had an account with XXXX since 2012 and cancelled the account in good standing. This is the first that someone has attempted to collect anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Accelerated Financial Solutions, LLC
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX and XXXX failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
ACCELERATED FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$290.00} XXXXBalance {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021, I, XXXX XXXX completed an online application with Capital One for a credit card. I received a denial for credit the same day stating the reasons why. The reason for Capital One decision is explained in the sentence below- *Based on your credit report from one or more of the agencies on the back of this letter, there have been too many recent inquires. 
*Based on your credit report from one or more of the agencies on the back of this letter, recent credit bureau inquiry. 
*Based on your credit report from one or more of the agencies on the back of this letter, length of revolving credit history. 
*Based on your credit report from one or more of the agencies on the back of this letter, insufficient experience with high lines of credit or credit amounts. 
According to The Truth and Lending Act, I, XXXX XXXX extended my credit to Capital One which made them the borrower according to 12 U.S.C 1431. Capital One explains how their decision was made based on the Fair Credit Reporting Act, which is false and deceptive according to Federal laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXXXXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I paid my lease off XX/XX/18 ... XXXX aka XXXX XXXX XXXXXXXX XXXX Spoke to XXXX the Mgr after I sent a receipt showing the account was paid in full, she said they are not responsible to remove the fraudulent balance and to call the 3 credit agencies and have them delete it. I made all payments on time and have the payoff letter..This should not be on my report they should remove this ... 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 2021-10-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I settled an outstanding debt with XXXX, the assigned credit collection company by XXXX XXXX. Payment was a lower amount, and was for payment in exchange for PAY FOR DELETE. 

Attached are the payments receipts, and I received verbal confirmation from XXXX agent on XX/XX/XXXX at 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 non-monetary relief
Consumer complaint received 2021-10-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It has been more than 90 days that I have been trying to get some information updated and removed off my credit report. This is a violation of my rights and need to be removed immediately. Ive been in contact with the credit bureaus for over 90 days and no feed back on my status nor any updates or removal. Please update information immediately for it is not mine.

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 2021-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I opened a savings account with Comenity XXXX bank on XX/XX/XXXX. I funded the account with $ XXXX/XXXX from another savings account that I have with another bank ( XXXX XXXX ). 
Comenity Direct put my account in 'Restricted ' immediately. 

They sent me a secure message in their online banking website asking for copies of my driving license, social security card and XXXX form. They provided me the option of sending the documents either my postal mail or through their secure message on their online banking website. 

I submitted the information they requested on the same day i.e. XX/XX/2021. 

I contacted them various times using their online secure message and also on phone about when they would remove the restriction on my account and when I would be able to withdraw my money from my account. 

Every time I was told that the information is still being reviewed. 

I called them today ( XX/XX/2021 ) on the phone and they told me that they received the documents and there is nothing further needed from me. Yet they did not remove the restriction on my account. 

Despite numerous follow-ups with the bank, they keep on saying that the documents are 'being reviewed by upper management '. 

So I asked them to close my account and refund me the money. They refuse to do so. 
It has been one month without the bank letting me withdraw funds from my own account. 

They are holding my money hostage on a flimsy pretext of 'upper management is reviewing '. This, in my opinion, amounts to fraud / theft as the bank is refusing to let me withdraw money from my own savings account without any legal reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient is contacting people not associated with my account to speak about my account. 

On either XX/XX/XXXX or XX/XX/XXXX, Navient contacted a someone not associated with my account by phone to try and reach me. Navient falsely claimed they are trying to reach me to " help me '' regarding my account. The individual they contacted is not on my account and not authorized to speak on behalf of my account. I am not disclosing this individual 's name and contact information in this complaint, but I may be able to provide a screenshot of the incoming phone call. Navient should have record of this phone call in their logs, and should be aware of this incident. If they claim not to be aware, then I will file a separate complaint about their conduct. 

I have filed other complaints against Navient regarding contacting unauthorized individuals regarding my account. The CFPB previously ruled that Navient should not do so, and Navient previously agreed to stop doing this. However, once again, Navient is violating this agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST
State: NV

Complaint narrative:
On XX/XX/2021 I opened a business bank account and secured credit card with Bank of the West. They later denied my secured credit card, even though I provided all the necessary documentation and funding. The business bank account remained open, but has been disabled by Bank of the West twice now in as many months due to an inadequate notification system. I requested both times of deactivation that Bank of the West send me a relay text so that I can confirm the validity of any questionable purchase with a simple YES/NO reply, to which they declined to accommodate. As a result, I requested to close my account, to which they claim I can not do online or over the phone. I do not have a car, and can not afford time or money wasted to be forced to go into a branch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I had disputed a XXXX XXXX account, that WAS NOT MY DEBT beginning in XX/XX/XXXX direct with XXXX, XXXX & XXXX. In addition to that, I mailed a debt validation letter direct to XXXX XXXX in XX/XX/XXXXas well. In XX/XX/XXXX I received a letter from Weltman, Weinberg & Reid., LPA . I continued to dispute this account with the credit bureaus. I also continued to send debt validation letters to XXXX XXXX, as they could not provide the documentation that I was requesting from them. This account was removed from all three credit bureaus. Confirmed & in writing, deleted. It was deleted bc they couldnt validate the debt to FCRA standards. This attorney is now claiming theyve made several attempts to contact me in a letter dated XX/XX/XXXX, which is false & a bogus claim. Had I of received anything, I wouldve been in touch immediately. Point in case the letter I received XX/XX/XXXX, I sent a detailed email to them on XX/XX/XXXX. Again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & again today on XX/XX/XXXX. I have NOT received a response from them. Pretty unbelievable seeing their claiming I didnt respond to letters I never even received & theyre the ones who arent responding. My credit and finances are very important to me and this attorneys office is making false claims. I would like to request the said documentation they claim to have mailed. I am demanding that this company cease trying to collect a debt that was not mine & that was legally removed for this very reason. I am baffled & alarmed @ their false claims & their failure to respond to an email sent 7 times!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It has been more than 90 days that I have been trying to get some information updated and removed off my credit report. This is a violation of my rights and need to be removed immediately. Ive been in contact with the credit bureaus for over 90 days and no feed back on my status nor any updates or removal. Please update information immediately for it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has been more than 90 days that I have been trying to get some information updated and removed off my credit report. This is a violation of my rights and need to be removed immediately. Ive been in contact with the credit bureaus for over 90 days and no feed back on my status nor any updates or removal. Please update information immediately for it is not mine.

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 2021-10-13 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been in communication with Capital One, requesting that they remove an account that should not be reporting. They have violated many of my consumer rights and I am requesting that upon review, they will completely remove this account from my credit report. Back in XX/XX/2021, I demanded that Capital One provide me with lawfully requested information upon request and in a timely matter. I asked for : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ). 
3. An itemized statement breaking down the balance you claim I owe. 
4. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

All of these request are within my consumer rights. The response I received was dated XX/XX/2021, way past the 30 day timeframe that would be considered within a timely manner. Furthermore, they addressed me by XXXX XXXX XXXX. That is not and has never been my middle initial. My name is XXXX XXXX XXXX. Which they would know if they actually had any contract or application. However, they don't. One of the responses clearly states that they can not provide me with a copy of my application because it was done over phone or internet. Phones and the internet have the power to record information that would be critical in times like this. 

In summary, this matter needs to be addressed immediately. Theres no reason why this account is still reporting. They claim that they have " resolved '' the matter even tho I disagree. Nothing has been resolved and I intend to file a complaint with the FTC if they can not realize that their error is damaging my credit report and due to all the violations they must remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: KY

Complaint narrative:
On XX/XX/2021 I sent a Letter and a FTC report to Equifax about some inquiries that did not belong to me. This company stated that this inquiry was removed but it is still reporting on my credit file. I have faxed this company the FTC report numerous of times. I have also reached out to the fraud department about this matter and they tell me that they will remove it and that it has been removed. they have also sent me a letter stating that the inquiry has been removed on XX/XX/XXXX XXXX yet this fraudulent information still reports on my credit file. I am very disappointed and distress. this company is breaking the law. According to the FCRA 605B this information must be blocked immediately until the investigation is over. This company failed to obey the law. I would liked this inquiry removed immediately or I will have no choice but to seek further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a credit card with Synchrony Bank Credit card ending in XXXX which I opened in XXXX and had a credit limit of {$2500.00}. I have paid on this card monthly and never went over the limit. I also have at times paid more than required. Given the pandemic I did bring this card close to the limit however have not went over the limit and have always paid my payments on time. 
I recently on XX/XX/XXXX made a payment of {$500.00} on this card as an effort to improve my debit to credit ratio which in turn would improve also my credit scoring. 

Well come to find out when my statement for XXXX generated SYNB decided to drop my credit limit to {$2100.00} JUST enough to allow their " interest '' to post to the account but keep my debt / credit ratio on this card near 100 % I am sorry but that is very shady business. They would not have been able to drop my credit limit to {$2100.00} if I had paid the traditional required minimum payment.. Clearly they saw an opportunity to ding me for paying a significant payment on this card. 

I reached out to their customer service on this matter and was told " We can do whatever we want '' I want SYNB to be investigated for being descriptive and playing games with their customers. Clearly if I had NOT paid {$500.00} on this account they could not have dropped the Credit limit by {$390.00} dollars..

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