vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit bureaus have failed to investigate inaccurate information they have added to my credit report including providing the appropriate documentation to verify this information. I have filed numerous disputes including today, XX/XX/23. I am continued to be denied the right to have this false information investigated by all 3 credit bureaus : XXXX, Transunion and XXXX despite the fact they are reporting false information that has caused me irreversible damages. All 3 credit bureaus named above have violated my rights under Fair Credit Reporting Act. For reference I have uploaded the most recent denials from today 's date of XX/XX/23.

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 2023-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit bureaus have failed to investigate inaccurate information they have added to my credit report including providing the appropriate documentation to verify this information. I have filed numerous disputes including today, XX/XX/23. I am continued to be denied the right to have this false information investigated by all 3 credit bureaus : XXXX, XXXX and Equifax despite the fact they are reporting false information that has caused me irreversible damages. All 3 credit bureaus named above have violated my rights under Fair Credit Reporting Act. For reference I have uploaded the most recent denials from today 's date of XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
on XX/XX/23 LVNV Funding LLC received my request for disclosures that Federal Law states that i suppose to have gotten while I'm a customer with their company. And I gave them 14 days to resolve this matter and they haven't responded back to me At no time did I ever receive any of the required disclosures from them at the beginning nor while i m customer and they are currently reporting to all the credit reporting agencies. And the FCRA 15 U.S. Code 680215 U.S. Code 6802 - Obligations with respect to disclosures of personal information- which is very clear on what 'Im entitled to..see below In addition - I never gave them permissible purpose to have access to any of my consumer reports pursuant to FCRA 15 U.S. Code 1681b - Permissible purposes of consumer reports Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have paid for a one year of XXXX tv service with XXXX on XX/XX/2022 and I paid XXXX dollars but since XXXX and I do NOT HAVE THE SERVICE FROM XXXX BECAUSE THEY HAVE INTERNAL ISSUES. I paid for a tv service that I did NOT receive and I am not getting the service since last XXXX and I can not reach XXXX  customer service because again they state that they are having issues and they refuse to refund me my money when I chat with them and I did all the troubleshooting they have on their website. But again I paid for a service that I am NOT getting at all. Its XXXX and the charge is XXXX on XX/XX/2022 on my capital one visa card. I called capital one Visa card to dispute the charge but they refused to help me because its from last XXXX but I paid for a service that I am NOT getting so I want a full refund of my money. I want my money back. Capital one needs to submit the dispute for me and refund me XXXX dollars and charge back XXXX XXXX I am attaching pictures of the charges and a picture of the service not working. Capital one Visa card needs to resolve this issue to my favor and refund me my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08 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: Nelnet, Inc.
State: VA

Complaint narrative:
I paid the loan off in good faith in XXXX, XXXX in the amount of {$36000.00}, disputing the usurious interest attached to my loan. Despite paying this {$36000.00} amount, the sale and resale of my loan, accruing interest with each sale, has my loan at the present amount of over {$100000.00}. 
The table below outlines the loan activity over the years. I utilized each lenders documentation to devise this table : Statement Date Lender Amount Owed Amount Paid APR Notes XX/XX/XXXX XXXX {$34000.00} 9 % First known student loan statement XXXX XXXX {$44000.00} 9 % Consolidated loans XXXX XXXX XXXX {$61000.00} 9 % XXXX purchased loan from XXXX XXXX XXXX XXXX {$56000.00} 9 % Balance decreased for reasons unknown XX/XX/XXXXXXXX XXXX XXXX {$36000.00} Disputed accrued interest, issued {$36000.00} payment, lenders allowed interest to accrue XXXX XXXX {$64000.00} 9 % XXXX purchased loan from XXXX XX/XX/XXXXXXXX XXXX/Nelnet {$64000.00} 9 % USA Funds sold loan to XXXX Finance, Nelnet XX/XX/XXXXXXXX XXXX/Nelnet {$85.00}, XXXX 9 % Incredible ! 
XX/XX/XXXX XXXX/Nelnet {$87000.00} 9 % XX/XX/XXXX Fed Loan Servicing {$89000.00} 9 % Fed Loan Servicing assumed loan from XXXX/Nelnet XX/XX/XXXX Fed Loan Servicing {$98000.00} 9 % XX/XX/XXXX XXXX XXXXXXXX XXXX {$98000.00} 9 % XXXX Nelnet {$98000.00} 9 % Nelnet assumed loan servicing XXXX Nelnet {$110.00} XXXX XXXX 9 % Incredible XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bmo made a mathematical error on my credit account. I ask for review of account but I was denied this. As you can see from 12 month summary Im owed over XXXX 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
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
For multiple years Ive been going back and forth with capital one and XXXX XXXXXXXX about accounts which were opened with my identity and every time they say that they will clear it and its still not cleared

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC this debt collector isn't registered or licensed in the state of Florida as a debt collector or collection agency. therefore they need to cease and desist all collection efforts and remove all negative items from all 3 credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX XXXX has absolutely no interest on honesty pertaining to PNCs Bank misconduct concerning my late mother XXXX XXXX. Theyve also made promises to get in touch with me in reference to a new mortgage/refinance according to their XXXX @ XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX However to this day unfortunately this hasnt been the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I have been trying to get a modification due to a COVID-19 forbearance that I was on for 18 months 2 years ago.. I live in New York. I was told once I came off of forbearance that I would not have to fill out a modification package and that I can get a modification without filling out an application and they asked me what terms that I wanted the excess {$19000.00} from the forbearance that was not paid to be put at the back of the loan then they did the mortgage modification and they told me I had to pay it upfront one lump sum, {$19000.00} which I did not have. so back-and-forth back-and-forth make a long story short they told me to resubmit a modification without putting Covid on it and maybe they would look at it to process it did not happen. I called XXXX they looked over my paperwork resubmitted the modification stated that I am more than able to pay the mortgage modification they work the numbers, their numbers are not adding up. No one will talk. All they do is deny the paperwork was sent in by a third-party XXXX and they still did not consider it. I do not want to sell my house I want to stay in my house I want to start paying my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Consideration is a promise, performance, or forbearance bargained by a promisor in exchange for their promise. Consideration is the main element of a contract. Without consideration by both parties, a contract can not be enforceable, also Title 12 sec 83 a. States that No national bank shall make any loan or discount on the security of the shares of its own capital stock. Unfortunately Wells Fargo, did not actually give anything in consideration therefore makes any claims of me owing them any debt are ALL FALSE AND SHALL BE CORRECTED ON MY CONSUMER REPORT AS PAID IN FULL OR IN GOOD TERMS IF I DONT GET ANY TYPE OF SETTLEMENT OPTIONS BACK I WILL CONTINUE TO SUE FOR FRAUD AND NOT DOING WHATS BEST FOR BENEFICIARY IN THE FIDUCIARY RELATIONSHIP.

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 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Financial Institution : Truist Issues : Account Locked, New Customer I am writing this letter as a formal notice to file a complaint against the Financial Institution, Truist. I believe their practices for onboarding New customers/clients is exploitive, unforgiving, and downright unethical. 

Recently applied and was approved for Confidence Checking/Savings account on XX/XX/XXXX. Submitted minimum opening deposit in total of {$75.00} for both accounts on XX/XX/XXXX with phone representative. Phone rep also helped process order for debit card to be shipped. On XX/XX/XXXX, attempted to login on Online Banking and was briefed with a Account Locked notice. Called Support and was told that account had been closed and would be forwarded to specialist department to resolve. Mislead through many different departments and requested callbacks were ignored ; hours and time wasted with NO resolution. 

Customer is seeking for immediate reimbursement of opening deposit plus damages. 

Looking forward to getting this 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 explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Hello, I am unemployed and can not find a job so I had no choice but to sell my home. I thought my 2nd was forgiven since I could not locate my lender and come to find out they went out of business. When I listed my property for sale I all of a sudden received a letter from a collection agency stating the I owe an enormous amount of interest on top of my original loan amount. I never received the transfer of service letter and the monthly payment stmts and the loan matured in 2022. I called that collection agency and explained to them I am out of work and if they can work with me by reducing the payoff and told them Im unemployed and need my equity but they will not budge and do not care that I need the money to survive since I do not have a job and have no money in the bank. Is there anything I can do to get them to reduce the payoff? And my house is about to close and if I cant get any answers can I go after them after my house closes and pay them off even though I dont agree with their terms? Please let me know, Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Chime Financial Inc
State: WV

Complaint narrative:
I was given an invitation to establish a Chime account with the assurance that once I had deposited {$200.00} the individual that sent me invitation and I would receive {$100.00} each. We spoke to multiple Chime representatives about this. We were instructed to go to the Social Security office and have them redirect {$200.00} to the Chime account. Social Security said they can not split my monthly payments. We called Chime again and were advised to do a bill pay from my banking app. I went to my bank branch and completed the necessary paperwork to send Chime {$200.00}. Now Chime is refusing to honor their advertisements as well as the instructions given by their representatives. I do not want to continue with Chime if we're not going to receive the advertised {$100.00} each. I tried to cancel the Chime account and stop the bill pay, but I find out it will cost me {$36.00} to cancel. This isn't right. We did exactly what Chime instructed us to do. Multiple representatives lied to us on multitude occasions. Please help me and expose Chime for theie lies!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The credit bureaus have failed to investigate inaccurate information they have added to my credit report including providing the appropriate documentation to verify this information. I have filed numerous disputes including today, XX/XX/23. I am continued to be denied the right to have this false information investigated by all 3 credit bureaus : Experian, XXXX and XXXX despite the fact they are reporting false information that has caused me irreversible damages. All 3 credit bureaus named above have violated my rights under Fair Credit Reporting Act. For reference I have uploaded the most recent denials from today 's date of XX/XX/23.

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 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, I received an email from Bank of America telling me that a transfer was scheduled to be made to XXXX XXXX ( XXXX XXXX XXXX  ) within three business days. The amount of the transfer was {$4000.00}. Copy of email marked Exhibit A is attached. 
Upon reading the email, I at once call the bank and showed that the alleged transfer was an unauthorize one. The agent who took the call, reviewed my account, and told me that everything was fine and that not transfer was going to be executed. 
Therefore, the bank had " NOTICE '' that of the fraudulent transfer. 
NEGLIGENCE On or about XX/XX/2022, despite the above, the bank went ahead and executed the transfer. The bank that was on notice had a duty to protect my interest, The bank breached its duty, thus, bank may be found responsible for this unauthorized transfer. 
Furthermore, when I found out about the transfer, I called the bank, and spoke with an agent who reassured me that the bank will start an investigation, and that in the meantime the money will be credited back to my account. 
After days waiting for the money to be credit back to my account, I called back, this time, another agent. Told me that the money will not be returned to my account and that the investigation will take 90 days to complete. 
On XX/XX/2022, the bank sent me a letter denying my claim. The bank claimed that its " investigation found that the transaction in question was performed by an authorized signer on the account and is a valid transaction. '' NEGLIGENCE INFLICTION OF EMOTIONAL DISTRESS I am a small business owner. {$4000.00} is a considerable sum of money ; the negligence of the bank of transferring the money even tough they were alerted not to, has caused me XXXX, XXXX  and similar state of mind which has reduced my productivity in my business. 
The bank never did any investigation as they claim, they only sent me copies of their ledger showing the transfer. They never really investigate ( his, never talked to the alleged transferee to verify if my company had any connection that may have justified the transfer. 
When I insisted vvith the bank, I was told that my transfer was made using my cell phone ; then ( he bank needed from me, proof from XXXX ( my carrier ) that my phone was not lost, stolen, tampered with. 
The required proof is attached and marked Exhibit B. 
CONCLUSION Bank of America made an unauthorized transfer, and now the bank must return the money to my account at once. Any further delay will force me to seek legal remedies to correct this wrongdoing.

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 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
On XXXX  I accidently changed {$12.00} to CITI bank Best Buy credit card that I forgot I had. They did not send me a bill. They said I was paperless. This gets past me for XXXX months before I get a call from best buy. By then XXXX {$40.00} late fees have been charge to my account. I told them to cancel my card and I started paying {$10.00} a week towards the card. I asked them to start sending me a paper bill in the mail. I get the Bill XXXX XXXX XXXX and it is for {$180.00}. I called XXXX to complain and I automatically get sent to the closed card helpdesk in XXXX. After several call I was asked to give personal information, I was not comfortable giving. They refuse to help me despite have the full account number my name and the last XXXX digits of my SS # Trans Date Description Reference # Amount XX/XX/XXXX XXXX XXXX XXXX  {$12.00} Payment Information Previous Balance {$89.00} New Balance {$130.00} Payments - {$0.00} Minimum Payment Due {$85.00} Other Credits - {$0.00} Payment Due Date XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX  cancellation of debt of XXXX off the state of XXXX XXXX XXXX I'm the administrator of the state XXXX XXXX XXXX then turn around and force me into another loan modification after the cancellation of debt the loan modification did not include any of my payments or the cancellation that debt off the estate of XXXX XXXX they sold it to a new mortgage company called XXXX XXXX a blank loan modification paper with no papers or anything no administrative papers no surrogate papers no payments and no counseling Nation today of 1099 forms that they sent me and I asked the new mortgage company XXXX XXXX to straighten out the loan because it was arrested era on the loan modification before they sold it to selene Finance all the paperwork to straighten it out they never straightened it out they just carried the payments forward forward late charges then I became taxes in cuz my XXXX XXXX veteran they still counting the taxes and the payment and won't straighten the loan out but they trying to foreclose on my house and I need help.

Company response to consumer: Closed with explanation