vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been trying to contact Truist Bank to get a copy of a lien release for a SunTrust Bank car loan that ended 10 or so years ago. I have called the customer service line over twenty times and have been put on hold for over five hours total. 

1. I call Truist 's customer service line, XXXX. 

2. After waiting between 15 to 40 minutes, a representative answers. 

3. I explain the situation. Representative informs me they do not have access to loan records and transfers me to the " loan department. '' 4. Three scenarios : no one picks up despite waiting for 30 to 60 minutes at a time ; the call gets disconnected ; the representative connects me to another representative who says they can't help, and then connects me to another representative who also can not help, and then transfers me to the " loan department. '' The call either goes nowhere and I have to give up, or the call gets disconnected. 

I have called the supposed loan department 's direct number XXXX but the process is still the same as above. In fact, a representative that answered from this number tried to give me the same number when I asked for a direct number to the Truist loan department.

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 2022-04-07 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C. 1681 Section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. It has been stated that the account was properly investigated but how is that so if the payment statuses are completely different on XXXX  and XXXX, the date for last reported are different on XXXX  and XXXX and also date of last payment and reporting on XXXX  and XXXX are different. Nevermind that fact that address linked to this account was not one of my own. This is grounds for removal.

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 2022-04-07 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was on XXXX XXXX XXXX and all year up until XXXX i wasnt notified that they the part of my rent they pay wasnt being paid and they pay tracked and accumilated all and now its over XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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:
EVERY MONTH I PAY EXTRA PRINCIPLE TO PAY DOWN MY LOAN FASTER BUT NELNET KEEPS INCREASING HOW MUCH I OWE A MONTH!!!!! XXXX????? MY MORTGAGE COMPANY DOESN'T DO THAT TO ME!!!!! I WANT TO KNOW WHY THIS KEEPS HAPPENING AND WHEN THEY'RE GOING TO STOP!!!! I ALSO WANT TO KNOW WHAT MY PAY OFF AMOUNT IS ( THAT REQUIRES NELNET TO PROVIDE AN ACTUAL DOLLAR AMOUNT IN THEIR RESPONSE )!!!! I AM SO READY TO BE DONE WITH THE SCAMMERS FOREVER!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
i had switched from XXXX to XXXX, XXXX was to pay the phones off from XXXX but nobody was responding and i only had a certain amount of time and before i knew it i was being placed in collections. I never got any calls back when i kept asking about paying off the other phones and they were charging me for XXXX that they had told me were free with my phone purchase. I was placed in collections on XX/XX/21 and i had no idea until i checked my credit report to purchase a home. the amount is for XXXX the collection agency they are using is called Southwest credit systems

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
President - i opened td bank accounts in feburary that were closed by them right away and i sent a complaint to you. on XX/XX/2022 in a td bank in XXXX at XXXX and XXXX XXXX i opened a checking account XXXX with a transfer of {XXXX} from XXXX XXXX checking account XXXX and a savings account XXXX with another transfer of {XXXX} from XXXX XXXX. both were deposited on XX/XX/2022. since XX/XX/2022 i keep trying to open an online account and they keep refusing me saying i need to be verified. i told them i dont have transportation, XXXX would be {XXXX} about round trip to the closest one, and i was already verified through my in person visit to that XXXX with my ct license XXXX and ssa card XXXX they still refuse to give me access to online banking. this is the third attempt at trying to open td bank accounts to take advantage of there {$300.00} bonus and {$200.00} bonus for opening those accounts and already completing all the requirements needed to receive those bonuses but its appearing more and more evident that the XXXX XXXX is behind this banking institution and there doing everything possible not to fulfill that obligation of depositing those bonuses. you need to investigate this now and make all the arrests nesasary in order to stop this from happening to future customers. do that now. signed president of the XXXX XXXX XXXX XX/XX/2022 XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: MI

Complaint narrative:
Someone opened an XXXX & XXXX cell phone as count using my identity. They somehow ran up a {$3500.00} bill and it is now appearing on my credit report. I disputed the account through the credit bureau and it was removed initially. It showed up again on XX/XX/XXXX. I filed another dispute that was denied. I called the collector to dispute the account, who then advised me to call XXXX XXXX XXXX. I called XXXX XXXX XXXX, was transferred around their call centers until I was finally on hold and a message indicated I couldnt be helped over the phone, but I could visit a website they offered to dispute the account. The website had a link to XXXX, the credit Bureau I initially disputed the account with.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received financing from my local Credit Union to payoff for a XXXX XXXX XXXX with Chase. The check was sent on XX/XX/XXXX to Chase. Chase said they never received the check and said payment was due despite the fact that the lease was paid off in full. I ended up making an additional payment of {$640.00} to help protect my credit scorXXXX, as advised by Chase. The first Payoff check was voided, considered lost and a new one was sent on XX/XX/XXXX. The check arrived at the payoff address for Chase in Texas on XX/XX/XXXX. As of XX/XX/XXXX, Chase says I owe {$320.00} and has a note about receiving a duplicate check for the XXXX XXXX on XX/XX/XXXX. The representative from Chase said it takes about XXXX business days to process payments. It is passed that- about XXXX business days. When I look at the account on Chase 's website, no record of the {$640.00} received is seen on a XXXX Statement but a payment was processed. I spoke with a Chase representative on XX/XX/XXXX and opened an inquiry. I asked to have the account frozen considering the circumstances and they said it is not an option. Now it looks like I have an outstanding balance which is not true.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
1. I bought a new home and house warming ceremony is scheduled for Thursday XX/XX/2022. Friends and guests are coming. 
2. I needed some furniture before the even so I went to Ashley Furniture store in XXXX, CA on XXXX. I selected my furniture ( worth about ~ {$9000.00} ). I was informed by the salesman @ Ashley that I can benefit from 60 months installment payments by using financing from Synchrony bank if I apply for their credit 3. This suited me and I decided to apply for the financing right then and there. After filling in information about my wife and me in the joint application form, I was given an account number immediately over a phone call. 
4. For some other reason ( Ashley store related ), the purchase wasn't completed on XXXX. Hence they suggested to come again today on XXXX. I left my work and went there again to complete the transaction.

5. However, this time the bank didn't clear the transaction, asking me for more documents ( ID proof, and home address proof ).

6. This totally defeated the purpose as I can not get the furniture on time anymore. I applied for the financing knowing that it would affect my wife 's and my credit score only to get the furniture on time, but now since the bank opened my credit account they are not clearing my purchase.

7. I don't need this credit line at all except for the purpose of buying furniture on XXXX or XXXX. But now the bank is not clearing my purchase hence I feel like a stupid, whose credit score is impacted without any reason.

This is very stressful to me and my wife now and we are very unhappy with the bank 's business practice, where they opened our account immediately ( impacting credit score ), but they are blocking the transaction to go through.

Also, I spent stressful 20 mins on Synchrony 's Customer Service line, but instead of helping me logically, they just read a script and say they can not revert the credit score check if I don't need the financing ( as I can not buy the furniture ). They say it is impossible.

If they can not solve a customer 's problem then they should have a way to reverse the credit score check also.

I am stressed about it and very very frustrated with the bank 's system and looking for a right solution here.

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 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE CENTER, LC
State: OH

Complaint narrative:
On XXXX, Mortgagecenter.com received a check from my bank in the amount of {$24000.00}. I monitor my checking account and was concerned when the check had not cleared. On XXXX, my concern increased so I checked with the mortgage company to see why the check had not been processed. They informed me they had not received the check. I then contacted my bank and they informed the mortgage company received the check on XXXX. On XXXX, with the confirmation the check was delivered, I contacted the mortgage company again and they then admitted they did receive the check on XXXX, and proceeded to put it in the mail on XXXX returning it to me. The reason for the check rejection provided was that their policy requires any check over {$10000.00} to be a certified check. I asked when the policy changed to require certified checks over {$10000.00} and was told that the policy was always in place. 

Problem 1 : On two previous occasions in 2021, they cashed checks of the same type, from the same bank, for amounts of {$24000.00} and {$25000.00}. Neither of those checks were certified checks. 

Problem 2 : They did not notify me they rejected the check on the first call on XXXX, nor did they inform me of the certified check requirement for checks over {$10000.00}. The main problem is the interest on the higher loan amount continued to accrue. 

Concern : Is this something Mortgagecenter.com routinely does to their clients, since it could potentially be a large financial windfall? In my case, they could accrue an additional {$2.00} per day, times 7 days for a total of {$14.00}. It does not seem like much, but consider if they do that 1000 times each month, which would be {$14000.00} per month and in 12 months the total windfall would be {$160000.00}. 

I have no idea if this is a routine practice of the company, but just want make sure I inform CFPB of what happened to me, so you could take a look. 

Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX RE : Demand for Removal of Errors on Credit Report COMPLAINT ID XXXX Re : Notice of Dispute Pursuant to section 611 ( a ) of the Fair Credit Reporting Act Section 168 of FCRA law ( s ) info on the report does NOT match my reports.

I demand this item to be DELETED from my credit report ASAP BARCLAYS BANK DELAWARE - Partial Acct # XXXX XXXX XXXX Report # XXXX for XX/XX/XXXX Report # XXXX for XX/XX/XXXX XXXX XXXX Report # XXXX for XX/XX/XXXX Report # XXXX for XX/XX/XXXX Under Section 168 FCRA this Account Number # XXXX does not match my records nor the original creditors ' records to what reflects on my credit card and statement, therefore this item MUST be DELETED under this law. 

My consumer report is extremely valuable to me, and I wish to advise you that willful non-compliance is a violation of Section 168 of the Fair Credit Reporting Act. I assume 30 days is a reasonable time for your investigation. After your investigation, please provide me with an updated credit report as well as the name, addresses, and telephone numbers of the individuals that have been contacted. 

Sincerely, 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 2022-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
Debt Recovery solution sent me a letter claiming that i owed them for a debt that i didnt recognize. I sent them a certified dispute letter through XXXX, advising that the debt was not mine. I also requested validation but they failed to provide me anything. The certified letter shows that they received it on XX/XX/XXXX but they ignored my request and simply added the debt to my credit report. I spoke with someone in the company and he advised that the company didnt nt receive anything. An hour later he called me and now he said that they received it but failed to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am victim of identity theft and as a result a fraudulent account was opened up with Capital one as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
In XXXX of 2022, I enrolled in a payment plan with my student loan through Discover. Under this program, my account would become current if I made XXXX on time monthly payments, and any delinquent loans would not be reported to a credit agency while on the payment plan. Unfortunately, on XX/XX/XXXX, after making the payments for XXXX, I received a phone call saying my account was past due. I called Discover a few days later to see what was going on, and was told that the payment plan was erroneously applied on the account level and not the individual loan level. This created a problem where certain loans were paid off early while others went delinquent. I was told the issue would be fixed. I got the same call XX/XX/XXXX, and again, after calling, was told the issue would be fixed. I am finding out today, XX/XX/XXXX, that not only was the issue not fixed, but that Discover also reported the erroneous delinquencies to credit bureaus. This has affected my credit by about XXXX points, which is preventing me from finding a new apartment, as my lease is up XX/XX/XXXX. I have been on the phone for over an hour today trying to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
I consolidated my federal student loans ( held with My Fed Loans ) to get credit for the highest amount of XXXX payments, per the waiver. The information from MyFedLoan is in direct contradiction with the information on the Dept of Ed 's website, and included a warning letter that I will lose credit for all XXXX qualifying payments I've made if I consolidate. I went through with the consolidation, trusting the Dept of Education 's website on the XXXX waiver, however this has caused a lot of stress and I hope that they stop sending out incorrect information, as it will likely dissuade many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX person calling asking for Credit Card info for a " ONLINE TRANSACTION '' from 10 years ago and won't give me any informaton or send me a Debt Validation letter unless I make a " DOWN PAYMENT '' first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NC

Complaint narrative:
604. Permissible purpose of consumer reports : In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 

15 U.S.C. 1681b ( a ) 2 In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

602. Congressional findings and statement of purpose [ 15 U.S.C 1681 ] ( a ) Accuracy and fairness of credit reporting. 

U.S.C. 1666b. Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any reason. 

FCRA 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( A ) Subject to section 1681-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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