vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I made a payment in the amount of {$1000.00} to my credit account with Suntrust Bank whom Ive banked with for over 15years. My current credit limit was XXXX and my current balance before the payment was XXXX due to last months interest fees, however Ive always paid at least the minimum amount due on time. My payment was due XX/XX/2020 in the amount of only {$100.00} but again on XX/XX/2020 I made a payment of {$1000.00} to reduce my interest and lower my balance. This payment made my balance go down to {$1500.00} and my credit limit was still {$2500.00} giving me an available credit of {$1000.00}. On XX/XX/2020, before preparing to use my card, for some reason I noticed my available credit changed to {$990.00} but I didnt think anything of it, I then used my card to get gas ( because its a cash rewards card ) in the amount of XXXX making my now available credit XXXX, I again checked my account on XX/XX/2020 and it was still the same available credit, same {$2500.00} credit limit and now {$1500.00} as my balance. But as of today XX/XX/2020 upon checking my account I have seen my available credit dramatically reduce to {$130.00}, no interest charge nor fee was posted in such amount, I then come to find out my credit limit was decreased to {$1700.00} without my knowledge, without notification of a credit review, and without notification from my bank at all. I called and contacted them to find out why and how this was possible and the customer service representative told me sometimes they do review and reduce amounts but this was not communicated to me even amongst opening the card. Ive never experienced a credit limit reduction, but they basically took all of my available money on the account that I worked hard to be able to pay that could have been used to pay valueable bills. I asked the bank to reverse my payment but the representative advised me that it takes 3-5 days to review this request and it may be denied. I need that money back. I would not be making this complaint if I didnt. This is unfair.

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 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent over several police reports with Equifax and XXXX. I have also showed them my correct name. They have several fraudulent accounts with different names along with my correct name. Which is causing me to have several unknown accounts under me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$8100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account.

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 2020-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In XXXX I bought a brand new XXXX. In XXXX I got a letter in the mail that the dealership wanted my car and I could trade in my XXXX for a XXXX and no cost to me and that they would keep the same monthly payment. My monthly payment was originally XXXX in XXXX. Now its XXXX a month XXXX. I went to the dealership and asked why it was so expensive. They said they added the old loan to the new one and that they had sold my car already so I can't get it back. They said my only option was to refinance in a few years. I went to my bank and they said they wont refinance because theres negative equity. So now I'm paying for 2 cars when I only have one. My XXXX XXXX XXXX XXXX costed me XXXX. This XXXX XXXX XXXX XXXX is priced at XXXX but they combined both loans to total XXXX. I called to see how much I still owe its XXXX. I dont understand why I'm paying for both vehicles when they already sold the car and I'm only driving one. If I knew they were going to add the loan on I would have just kept the first car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$8100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account.

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 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$8100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had received a new bank account offer from Citi Bank in mail, directly addressed to me, around mid of 2019. 

One of the offers required me to open a checking and savings account package, deposit {$15000.00} in the savings account within 30 calendar days of account opening and keep it there for 60 consecutive days, and complete one qualifying deposit to the checking account for two consecutive months. I have Upon completing the required conditions, I was to supposed be paid a {$500.00} bonus by Citi Bank. 

I applied for the account online on XX/XX/2019. Upon submitting the application, received an email confirmation saying that it is under process and the bank will get back to confirm within 5 business days. Copy of email is attached. 

I received an email on XX/XX/XXXX saying that my account is now open and I can go ahead an deposit funds into my account. Copy of email is attached. 

I set up the required direct deposit soon after and deposited the {$15000.00} in my account on XXXX XXXX which got credited into my account on XXXX XXXX. Copy of bank statement attached. 

After that, I waited until XXXX of XXXX for my bonus. Upon noticing that I have not been paid the bonus yet, I called up the bank thrice. I was told that I will NOT BE PAID THE BONUS. The reason given was that PER THE BANK, THE {$15000.00} DEPOSIT WAS MADE AFTER 30 DAYS AS THEY CALCULATE 30 DAYS FROM THE DATE THE ACCOUNT APPLICATION WAS SUBMITTED AND NOT THE DATE WHEN ACCOUNT WAS OPENED. 

I believe I fulfilled all the conditions and the bank never provided any such special clarifications about the account opening date in their terms and conditions or fine print. 

Upon doing an internet search, I found many forums where people have mentioned one or the other strange reason for which Citi Bank had denied bonuses to people. 

They had my money for 5 months, and still have. There is some opportunity cost of the money which is the reason why I took the offer.

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 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Equifax credit report under my social security number is under someone elses name. I have sent 4 faxes, one mail copy, and two email copies of my identification verification to solve it in the last two weeks. I have called their number 14 times during the last two weeks. We are about to lose a house because of it and Equifax has been no help in resolving this issue. I have gotten a notice from them that the fax was not readable from our first fax, and a letter in response to my mailed copy that did not even address the underlying issue that there was a social security number and name mismatch. We do not know what to do to get this resolved, Equifax has shown no interest in getting my file corrected. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.

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 2020-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
On XX/XX/2020 I wrote a certified with returned receipt letter to Merchants Credit Guide in reference to a bill for the amount of {$1300.00}. As the Fair Debt Collection Practices Act ( FDCPA ) they are not allowed to report this to the credit bureaus until I verified this account. 

My credit report is showing an unverified and invalidated information for the amount of {$1300.00}. As under the Fair Debt Collection Practices Act ( FDCPA ) and the Health Insurance Portability and Accountability Act ( HIPAA ) they are in violation of the act. 

I never received a letter of verification with my signature on it from Merchant Credit Guide to pay them. In addition I requested them to provide me with patient 's authorization signed by me from XXXX XXXX XXXX. Instead they sent me a an itemized bill/charges with all the XXXX information included. Attached you will find what it was sent to me in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18 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: AES/PHEAA
State: CA

Complaint narrative:
I have received confusing and contradictory information regarding my repayment options. I tried to resolve this on multiple occasions without success ( lack of communication from my servicer, FedLoan Servicing ). My bill then increased by over 100 % ( approximately 3,000/month ), still without any communication. 

I have been in the IDR plan for many years. My income increased this year, and when I went to recertify, I was told that my application was on hold. Here is a timeline of events : XX/XX/2019 I received an email notice that I need to recertify my IDR XX/XX/2019 I received email confirmation that my IDR request was received. I was informed it was on hold, and that I would receive additional information after XX/XX/2019 when my final payment posted. 

I never received this email. I logged into my account in XXXX and the progress of my request said " denied. '' This message was present : " We were not able to process your recertification request for your IDR plan. A letter will be sent detailing the reasons that we could not approve your request and next steps if you think this information is incorrect. This letter never arrived. 

I never received this letter. 

XX/XX/2019 I sent an email communication asking for more information. A day later, I received a letter stating that I would remain in the IBR plan, and that my payments would be ~ $ XXXX/month. At the same time, the next balance statement for me stated I would owe ~ $ XXXX. I did not receive a reply to my email inquiry about this. 

The bill stayed at XXXX despite my email request for more information, and I was charged XXXX ( approximately 50 % of my current monthly take-home pay, and about 25 % of my household income ). On top of that my outstanding interest was capitalized, presumably because I was changed into a new plan? 

I completed my paperwork ahead of time, and tried on multiple occasions to figure out the problem. I received no direct communication despite my attempts at email, and as a result of the inability to resolve the problem had a massive jump in my monthly payment as well as a capitalization of my interest. 


A second complaint, though more minor is equally frustrating. A loan repayment assistance program to which I replied requested a " total payoff balance '' statement from my servicer. I sent 5 emails over two weeks requesting this, and never received a single response. The deadline from the assistance program has now passed, and it may affected my eligibility for assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC.
State: LA

Complaint narrative:
I borrow {$350.00} from Check into cash. I have been paying a refinance fee of {$55.00} once or twice a month sinceXX/XX/XXXX until the presence XX/XX/XXXX.Therefore, I have paid at least {$1600.00} XXXX on a {$350.00} loan. This loan have been paid 3 time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have a massive issue with my servicers. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2020. 
I recently had my loan transferred over from XXXX XXXX XXXX who Ive been working with to achieve a loan modification. On or around XX/XX/2020 I received a letter in the mail stating that my loan has been transferred to a new servicer SHELLPOINT MORTGAGE SERVICING. Ive been working and trying so hard for so many years now to receive a loan modification from XXXX XXXX XXXX and before that XXXX XXXX XXXX. And not once have they worked with me and cared or tried to help. 
To this day I have not received a welcome letter from the new servicer Shellpoint Mortgage Servicing. XXXX XXXX XXXX still placed my home on a foreclosure sale especially while the transfer happened. This is not good because it does not give me any time to work with the new servicer to work out options let alone given any time what so ever to have a chance to be reviewed for a loan modification. 
XXXX XXXX XXXX and Shellpoint Mortgage Servicing strategically transferred my loan so that the time frame would just sell my home. 
If XXXX XXXX XXXX and Shellpoint Mortgage Servicing continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
In 2014 I was at an apartment and I was ending my lease, I contacted the Electric company " XXXX XXXX XXXX '' now the debt is on AARGON COLLECTION AGEN and after letting them know, and was zeroed out on my balance, left the apartment. I then seen on my XXXX XXXX they were coming after a debt. I was told after contacting the company that they never closed my account! I had a large bill then just sitting and affecting my credit score. Please remove this! I believe the homeless problem is rampant and the only way the electric bill even racked up to the amount of " {$1000.00} '' was either a homeless person saw the empty apartment and came in, or the new tenants were riding the " free '' electric. Therefore I would call this identity theft, despite it just being the mistake of the customer service at the electric company, now in AARGON COLLECTION AGEN. Thank you so much in advance for any help!

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 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
-Standard Purchases on XX/XX/XXXX {$540.00} XXXX Statement : New balance as of : XX/XX/XXXX {$540.00} Payment due date : XX/XX/XXXX Paid off the balance of : XX/XX/XXXX {$540.00} -Standard Purchase on XX/XX/XXXX {$8400.00} XXXX Statement : New balance as of : XX/XX/XXXX {$33.00} Payment due date : XX/XX/XXXX ( late fee : {$25.00} - interest charge : {$8.00} ). 
{$8400.00} was not on statement because close of billing cycle XX/XX/XXXX. It will be post on XXXX statement if I did not paid off on XX/XX/XXXX. 
Paid off the balance of : XX/XX/XXXX {$8500.00} ( $ XXXX {$8400.00} ) XXXX Statement : New balance as of XX/XX/XXXX {$110.00} Payment due date:XX/XX/XXXX ( interest charge : {$110.00} on standard purchase : {$6500.00} ). 
I do not know where they get {$6500.00} for interest charge? 
I have 23 days no interest charge for {$8400.00} after the close of each billing cycle.

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 2020-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have high credit scores, however Suntrust now known as Truist has denied a line of credit several times in the past. I have several accounts with this company. I applied for personal loan an was denied.I have waited for the official letter as for the reason denying the loan but never received it. I applied for a personal loan at two other companies and was accepted with no problem. This company appears to be having or showing a dislike or distrust and making or showing an unfair or biased decisions based on an what appears as discriminatory profiling. There is no reason I should ever be denied a line of credit from this company as i have banked with it for at least ten years. I have had issues with this company with apply a simple temporary credit to the me and forwards the dispute and notifies the merchant. The CFPB accepts cleverly or skillfully evasive responses from this company ; that it does not know who I am but will respond to me directly. Truist should be held accountable and made to respond to the CFPB and the CFPB should compel Truist to follow the regulations.

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