vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
NOTICE : Truist Bank, following its merger/acquisition of SunTrust Bank XXXX has suddenly and without notice to depositors and the general public shut down substantially all of the SunTrust Bank branches in XXXX, MD. Moreover, it has not provided signage on the buildings stating that they are closed. It has not taken action to post the closing on appropriate Internet sites, again misleading depositors and the general public. Truist Bank has undermined faith in the XXXX banking system with its unannounced actions. The bank should be fined at least {$100.00} XXXX for its irresponsible actions.

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: NC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2022-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: QUALITY ACCEPTANCE LLC
State: TX

Complaint narrative:
I was involved in a car accident XX/XX/XXXX and have been unable to make the payments on my car for the last two months, due to not having a means of transportation. I was released from my XXXX XXXX  last Tuesday and was involved in another car accident Thursday XX/XX/XXXX, to no fault of my own again. The other parties insurance company has already claimed liability for the vehicle, yet representatives in your XXXX XXXX offices are threatening my credit score of another negative hit of XXXXpoints if I don't make a payment on the car note. XXXX XXXX XXXX my car was repoed and my credit was impacted XXXXpoints. I had previously agreed with representatives that I would receive my direct deposit after the holidays and my car was still taken. I paid enormous fees, my vehicle was also damaged by your Repo company and they assumed zero liability for the damages, and I paid two months of past due notes. I was informed today that when my car is paid off that my credit score will not increase, but if I can't make a payment it will decrease substantially. There's absolutely no way your company helps EVERYONE 'S credit. $ XXXX in total to lose over 125pts total in credit score. Deplorable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: CA

Complaint narrative:
This complaint is about the unverified negative accounts and identity theft cases placed in my credit report. Please help me look into this because the bureaus wont act on them despite the numerous times that i have written them. Please see attached files for these 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 non-monetary relief
Consumer complaint received 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted Transunion customer service and they would not remove the following inquires even after I told them these were not accurate and possible identity theft. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-03-22 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
The account in questions had some fraudulent transcations sometime in XXXX or XXXX were succesfully disputed with the credit reporting company and subsequently remove from my report twice. Even if the transaction were legitimate they would have reach the status of limitation a long time ago.

Unfortunately Navy Federal is choosing to use predatory practices and keep adding the fraudulent account to my report, even fraudulenty reporting that I made payment for {$240.00} in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I financed a used car purchase through TD Auto Finance on XX/XX/2016. I immediately enrolled in auto-pay and made all payments on time for the duration of the loan. With absolutely no notification the company unenrolled me in auto-pay without my permission, and then reported my account as 60 days late. I paid the final payment and closed the account immediately after I became aware of the issue. 

Despite this, the company reported the account to the credit bureaus, and it is still negatively affecting my credit score. I have reached out to TD Auto Finance about this multiple times and they have been totally unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
It was brought to my attention that LVNV FUNDING LLC claims an unverified debt of {$570.00} on my consumer report 0n XX/XX/2022 from XX/XX/XXXX, XXXX not only was this debt not verified its also beyond Maryland 's three year statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a an account with bank of america. Almost 6 years ago, I had a secured {$500.00} credit card with them. This card was used to purchase a new bed for my bad back. The card was a front for a check I was to receive from my boss the following week, however my boss at the time refused to pay me and I had to pursue litigation which lasted a year before I could recover payment. In the meantime I couldn't make the payments on the account and it was closed. I currently have alot of cash and piggyback on my fathers credit which is near perfect and has an incredible history. However my score never goes up because of this closed account from so long ago which was due to circumstance. The account was paid off a few months after it closed however It has been almost 6 years with nothing changing. I need my credit to not be affected by this as I have purchases that I need to make that require a good score. I have tried resolving this with the bank with no luck and have no idea what to do.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
For the last six months, Experian has repeatedly lowered my credit score each time I paid off a loan or debt. First, I paid off my wife 's vehicle and they lowered it. Then I paid off a loan for a trailer I purchased and credit card debt and they lowered it again. I went from a score in the high XXXX 's ( very good range ) to the low XXXX 's ( good range ) thus dropping my creditworthiness. I have had no late payments, no missed payments, and no adverse issues with my credit. There is nothing in my credit report showing an issue and all creditors have noted I pay on time and am a good customer. No logical reason for this has been provided by Experian. The first time they dropped the score, they claimed it was because I had too high of a debt to income level. Now, with the latest drop, the claim is my mortgage is too new and has too few payments made on it ( a mortgage I've had for five years and never had a late or missed payment. ) What's even more curious is the opposite has occurred through XXXX, which has raised my score with each of the debts I paid off and has never changed their reasoning for giving the score they provided. XXXX 's score is nearly XXXX points different than Experian. 

Experian is intentionally manipulating my credit score and punishing me for being fiscally responsible and paying off my debts. I have no idea why, but that is the only conclusion I can draw. To continually drop my score when I pay off debt, to change their purported reason for assigning the lowered credit score every time I take corrective action to their previous " reason '', leads me to believe what they are doing is intentional and malicious. 

What they are doing has the potential to affect my ability to obtain loans at the interest rate I have earned, rather than a higher one. After forty plus years of being a responsible consumer, that is unacceptable and I request they be held accountable. I have attempted to reach out to them. They operate an automated line that will not give you the option to speak to a human and does not provide an automated option with which to create a dispute specific to this issue. It is the same on their webpage.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-22 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: CA

Complaint narrative:
This complaint is about the unverified negative accounts and identity theft cases placed in my credit report. Please help me look into this because the bureaus wont act on them despite the numerous times that i have written them. Please see attached files for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
Through a former complaint filed against Rent Debt Automated Collections I determined that the company sent the notice of my debt to my old address and failed to notify me on time of my debt to be able to make a payment plan before being sent as a default to my credit report. I moved out of XXXX XXXX XXXX XXXX XXXX IL and disputed additional charges with my landlord. Rather than giving me the opportunity to negotiate they sent the questioned debt to collections who failed to notify me at my next residence. The debt collector failed to send me info to my next residence or contact me on the phone. I feel I was not given adequate notice about making a payment plan before it went into default. I would like to contest this delinquent status. I have paid off the debt with company earlier than requested for my payment plan. Had I been contacted correctly this issue could have been avoided and not impacted my credit report. Now I am being negatively affected for a debt I was not communicated to efficiently about. I would like this default to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
The Mortgage company has not paid my Property taxes and holds excessive dollars in the impound account. There is 2.5 times the the tax bill in the escrow account. I have call the Mortgage company and uploaded the most recent tax bill to XXXX  as per instructions from the Mortgage servicer. The dollars still sit in the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Received a notice from XXXX XXXX XXXX that I owe {$300.00} to Paypal. 

I try to login to my account to review. I am locked out of my account. I call company. Company informs me I am locked out of my account. I ask repeatedly for the company to provide either an email or a letter showing what I owe and when. 

The company refuses and tells me I will get a letter from collections. I ask why are they writing off my debt to a third party? Paypal informs me this is from Paypal 's collection department. I find this incredulous because the collections letter is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and not Paypal XXXX. 

Paypal can not send an email or letter showing what I owe. Further, what I find strange is that I paid outstanding balances in 2021. However, I can not dispute because I do not have access and the company will not provide proper notice. They did not notify me that they will be closing my account and sending it to collections and without my ability to properly review the account. 

How can I do business with a company with such business practices? Not being able to review the account in writing or electronically? This is not ethical. 

Please help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: CA

Complaint narrative:
This complaint is about the unverified negative accounts and identity theft cases placed in my credit report. Please help me look into this because the bureaus wont act on them despite the numerous times that i have written them. Please see attached files for these 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 non-monetary relief
Consumer complaint received 2022-03-22 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 2022-03-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I understand the Wells Fargo is much too busy these days addressing the concerns of eleven Senators as it relates to yet additional allegations of abusive lending practices by Wells Fargo, but I am not to be dismissed regarding my complaint. Although Wells Fargo considers the matter closed that doesn't make their findings creditable or final by any means. Wells wants this matter closed then do your due diligence and take a good hard look at the " Modification '' that was proposed to me and explain how said modification was suppose accomplish a fair and reasonable re-payment plan. As a court ordered condition of their settlement for peddling toxic and destructive loans to its customers, loans known as Pick-A Payment loans. Wells Fargo was supposed to review and modify said loans in a manner that would allow its customers to keep their homes. The modification offered to me was not fair or reasonable and after review by my legal adviser at the time it was deemed just as toxic. There was no fixed payment plan offered, no step-down approach offered, the HELOC was still unchanged and thousands in back charges were due upfront. Judging from the letter recently issued from all eleven Senators Wells Fargo is still up to their dirty lending practices. Your position may remain the same, but so does mine and therefore I will Never stop following my right to request fair and adequate compensation for the gross misconduct that Wells Fargo inflicted on me, my family and the millions of other victims that were preyed upon and continue to by preyed upon to this day, even if it has to go to our highest court for ample media coverage, exposure, consideration and final resolve.

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 2022-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Bridgecrest didn't respond in a timely manner nor did they send the debt validation that I requested via mail on XX/XX/2022. The first time they reached out to me was when they received the complaint from the Consumer Finance Bureau and told me that they responded to the letter to validate the debt and that I would receive an email of the information I requested within seven days. Bridgecrest also tried to obtain information that they already stated that they had validated. I sent a validation letter prior to them sending an email with a settlement request with the wrong name on it.

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 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I purchased a new XXXX 's club Membership using my American Express credit card. I had an offer of {$25.00} credit for this membership purchase. 
Never received a promised credit, so had to pay my credit card bill in full, so today XXXX XXXX 2022 contacted American Express via chat, but my issue is still not resolved, don't see a reason to have customer service since there is no service from them.

Company response to consumer: Closed with explanation