vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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:
I disputed my XXXX XXXX XXXX account with proof of payment and it was updated with a higher balance and as a charge off which dropped my score 74 points when Im in the process of buying a home. This account was paid in full at closing when I sold my home. I provided the credit agency the check that cleared the bank proving it has been paid. I have recently disputed it again with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I submitted a permanent opt-out to stop receiving credit card offers in the mail, yet Citi has chosen to completely ignore this request and still sends me junk mail all the time. I've reached out to Citi XXXX asking them to stop and they won't.

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 2022-02-09 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: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
XX/XX/2021 Hard Inquiry Report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XXXX previous complaint response they have used obscene language and continues to attempt to collect on this alleged debt that they have brought. They were also advised to cease and desist collection activity but are continuing conveying false and misleading information to my consumer report about this alleged debt which is beaching the cease and desist I have demanded. This company has violated my right to privacy and continues to violate my consumer rights. Attached you will find my sworn affidavit of fact with exhibits that backs this debt collector false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Someone tried to open a PayPal Credit account and this letter ( attached ) was sent to me saying it was not approved due to unable to verify my identity. Used an old address in which the letter eventually got forwarded to me at my new address.

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 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
Customer Service, On XX/XX/XXXX a deposit was made to my joint checking account aXXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ, consisting of XXXX checks listed below. All checks in the above mentioned deposit consisted of return on investments. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Bank XXXX XXXX XXXX account number XXXX check number XXXX amount {$210.00} dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account number XXXX check number XXXX amount {$710.00} dated XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX account number XXXX check number XXXX amount {$1100.00} dated XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX account number XXXX check number XXXX amount {$9200.00} dated XX/XX/XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX account number XXXX check number XXXX amount {$42000.00} dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Operating Account XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX check number XXXX amount {$29000.00} dated XX/XX/XXXX Pay to the order of XXXX and XXXX XXXX Prior to making the above deposit there was a balance of {$6100.00} in the account. The above deposit totaled {$84000.00}. On XX/XX/XXXX my account had a total of {$90000.00}. 
Chase Bank informed me a hold had been placed on my checking account including the funds in my account prior to the deposit made on XX/XX/XXXX. On XX/XX/XXXX Chase Bank sent me a letter stating they have blocked my account and will close it soon. 
On the Chase Bank XXXX XXXX, XX/XX/XXXX is the Date when the funds were available. I went to the Chase Bank branch in XXXX XXXXXXXX XXXX, XXXX AZ, to find out the account was closed. They were going to send me a check for the {$6100.00}. 
I have since received the {$6100.00}, funds that were in the account before the deposit. 
I have made numerous phone calls to a Chase Bank phone number XXXX Option XXXX. They have informed me they can not verify the Maker of the Check. I have given Chase Bank the phone number of the company 's which they have said they can not use. 
XX/XX/XXXX All checks were cashed by Chase Bank. 
As of today Chase Bank is holding our money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have reached out on multiple occasions to PNC Customer Care Center and Executive Client Services to resolve an issue of fraudulent charges that were made to my account. These charges were reported within the required 60 days per PNC Bank agreement/policy but have not been afforded a permanent refund to the account. After multiple attempts to have a caseworker resolve the matter, I forwarded a letter of the disputed history to the Case Work, XXXX. The letter included the multiple reentry dispute numbers that were assigned by the bank representatives, which were due in part to incorrect logging of the initial dispute. I believe this caused an error for PNC to deem the matter reported beyond 60 days for fraudulent charges that dated back from XX/XX/2021 o XX/XX/2021. XXXX nor the initial Case Work, XXXX XXXX returned my calls with any explanations of the details or outcome of their investigation. I have only received computer-generated letters indicating that the matter was resolved and my refund denied because it was not reported within the 60 days. I have bank statements and chronological documentation that proves I reported the fraudulent charges within days of discovery. I feel I have been intentionally given the runaround and all the representatives offer is to repeatedly re-enter the same dispute under a new case number. I have lost a total of {$850.00} from fraudulent transactions to my account, which the bank representatives have acknowledged, yet will not honor a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Bank of America decided to close both of my debit card account and credit card account without notice. 

I tried to log in into my BOA app but failed on XX/XX/XXXX. I called them for the reason, they just told me they had the right to close my bank accounts without reason and notice. ( Actually the letters from BOA I received 2 weeks later this call said that the reason is I had irregular transactions, I checked my spendings, and that transactions should be my two payments to a XXXX shopping website-the most famous one. ) I had no more chance to open another debit card account eternally. 

It took me around 3 hours to talk with the debit card and credit card department on XXXX XXXX need to wait for 2 weeks for the balance of debit card. And I went to BOA to pay the money I owned in my credit card account on the same day. 

But I couldn't get back my cash back rewards ( around XXXX dollars ), the lady from customer service department made a claim for me on XX/XX/XXXX, she could not click the " redeem '' button since it was frozen. She told me the back door office would deal with my cash back rewards and send it back to me in 4 weeks. Yesterday XX/XX/XXXX, I received a letter from BOA without any contact information, it is said that I couldn't get back my cash back rewards because my account had been closed. That is not me who made this decision without notice - made me had no time to redeem my rewards. I called BOA again, the customer services twice, benefits department, and another one, I had been transferred three times and finally no one could help me to get my money back. They said I am no eligible to have the service because my accounts had been closed and they had nothing to do with me. 

It is indecent to keep a former client 's money in this way. I only want my own money back to me.

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 2022-02-09 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: AL

Complaint narrative:
I have sent multiple of letters asking how this company has verified and method of verification about a Bankruptcy reporting on my credit report. I have not received anything as of yet to how it is verified and accurate. I need this Bankruptcy to be removed immediately.

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 2022-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I have been waiting for over XXXX months now for Hyundai Motor Finance to release my title. I fully paid off my vehicle ( ~ {$14000.00} ) and submitted the odometer reading at the end of my lease which was on XX/XX/2021. XXXX support claims the payment and statement were received and continually reported that the title would be sent out in XXXX business days. 

I have been regularly calling them every few days but I never received the title and XXXX continues to say they will escalate the issue, but I never receive any response or resolution from them. No one at XXXX seems to know what the issue is. XXXX rep even told me that the title was sent to me and then sent back to them with an invalid address. They had the right address. Another rep told me that rep was lying and that they have no record of it being sent. Literally, their support team just tells you a scripted response to get you to hang up or go away ( and if that doesnt work they make something up ). 

I still dont have a title after over XXXX months of waiting. Ive opened a case with Hyundai, which is proving useless, they dont care. Hyundai doesnt care about their customers once they hand you off to Hyundai Motor Finance XXXX Dealership also told me they wont assist me since I didnt purchase the vehicle directly through them. I bought it through XXXX. 

I am filing this complaint to get the resolution asap as I am not being able to renew my license plate and its causing me a lot of inconvenience. 
It seems like a lot of other people are experiencing the issues. PLEASE HELP! 
I need my title.

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 2022-02-09 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file 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 2022-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I graduated in 2004 with a student loan debt of a about {$30000.00}. I have never held a job related to my career and end up paying out of my paycheck every month an amount I could not afford to pay. I called Navient several times to lower my monthly payments but I would have end up making more payments in the end. I have had a deferred payment which allowed me to stop a few payments to only moving those payments to the end of the debt. I would like to get a forgiveness student loan since I have paid for more than 18 years. 

Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
This new complaint is in reference to complaint # XXXX I called consumer finance on XX/XX/XXXX because the email be low said the company had responed Review the companys response to your complaint. 
The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone.Thank you for participating in our complaint process. This complaint is now closed. 
I could not open the complaint XX/XX/XXXX consumer finance customer service said would mail me a copy of the complaint response, it is XX/XX/XXXX sill havent gotten it. They read me the response said Hyundai Motor Finance agreed to refund my {$390.00}, I called Hyundai Motor Finance XX/XX/XXXX spoke to XXXX in customer service he said two checks {$290.00} and {$100.00} was mailed on XX/XX/XXXX. I still have not received any refund checks no email no text no phone call from Hyundai Motor Finance no communication at all, this issue started XX/XX/XXXX with me trying to get a refund on money Hyundai motor Finance owes me, I am a senior XXXX yrs old on a fixed income very frustrated and disappointed in the way I have been treated. I had to provide the documents to support my claim, Hyundai motor Finance has disrespected and used their power and control to dismiss this complaint as irrelevent. Im just asking for my money nothing more 2

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 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Please reference prior Complaints ( XXXX and XXXX ) as this is an ongoing issue. My mortgage company continues to defy the law as set out by the CARES and American Rescue Plan in regards to a Covid hardship-related mortgage payment forbearance as deferral. Shellpoint ( dba New Rez ) continues to communicate with threats regarding foreclosure/short sale, most recently trying to force me into a Loan Modification when a Loan Deferral is what I was under ( see XXXX email XXXX, attached ). Since XX/XX/2021, they are BLOCKING my timely mortgage payments, then penalizing/reporting to credit agencies that I have not paid ( see attached ). 

I once again attempted to make my timely online payment on XX/XX/XXXX, but am still being blocked from doing so. My credit score is also being impacted. Shellpoint has communicated with conflicting messages throughout this 2-year process, swinging incoherently from threatening to confirming the true solution, then more threats. There is zero clarity ( or seemingly any communication WITHIN the company ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION
State: ND

Complaint narrative:
In 2020, I opened a secured credit card account with Navy Federal Credit Union. One of the perks for the card, was to establish credit/repair ones credit. Provided the following is met : keep account in good standing, pay on time/ no late payments, have at least {$60.00} dollars on the card by 19th of the month, before account is reported to all ( XXXX ) three credit bureaus. And because I have XXXX checking accounts, I would transfer every ( XXXX ) weeks, money to my credit card from my checking account to pay my credit card. I have never been late I find it real strange, that its going on ( XXXX ) two years that Ive met ALL of these requirements. Plus, when I opened this account. I had No credit cards. Ive sense obtained ( XXXX ) XXXX credit cards, due to my good history with Navy Federal reporting to all ( XXXX ) three credit bureaus. 
Ive contacted Navy Federal, about this situation several times. They couldnt give me an answer. However, ( on one of my calls to customer service complaining about this problem ) one customer service person said, she had in countered such a problem like mines before. She said, the customer applied for a regular credit card and was approved. Why, should I do that?? I would like to cancel this account. But, it would get me a negative mark on my credit report. I hope you can help. XXXX XXXX XXXX, ( XXXX ) XXXX, XXXX. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: CA

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 2022-02-09 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: PA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( XXXX  ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX XXXX, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file 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