vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-09 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a mortgage with Suntrust Mortgage. In XXXX my payment went up {$1000.00} and i called them and was not late on payments or anything just {$1000.00} more was way to much for me to afford advised that is to much that i can not pay XXXX more so they did a Morgt modification. and advised that starting XXXX i would need to pay {$1900.00} for three months then it would stay at the amount. I payed every month on time even XXXX the same amount. Unfortunately, on XX/XX/XXXX I got into a bad accident and my car was totaled. I started to look for a car and went through a dealer and applied for financing. The guy calls me and said my credit is low and why i have not paid my mortgage since XXXX. He told me without me telling him anything about modification and i ask where did he see that and said its on my credit and why my credit is so low. I told him that I never was late since XXXX and that they are doing a modification but never was i told it would affect my credit. He told me i needed a letter or something because that is bad. I pulled my own credit and indeed it said i was delinquent {$15000.00} even though i was doing modification and been paid on time ever since. I called Suntrust and i got the run around and mortgage department said my credit should have not been affected because i have a forbearance. I told them it does not show anything of forbearance and clearly says i am delinquent since XXXX in the amount of {$15000.00}. I kept getting the run around without being helped nor was getting a letter. They went to supervisor and same run around was given. They then transferred me to Suntrust Credit department in suntrust and that was a waste of time. They said they could not do anything even though i was not told credit was going to be affected nor they wanted to help me. Very disappointed because in a time of everything with the Coronavirus and in addition getting into a major accident they could not help me and pretty much hung up on me to get me off the phone because did not want to help me. Now I need to get a car because my car is now totaled and because of the Mortg reporting that it is delinquent since XX/XX/2020 in the amount of {$15000.00} even though I have adhered to everything they said and never was late with the payments as said in credit report i can get a car. I'm so disappointed and with coronavirus issues, this accident i am very distraught and please need your help to clear my credit to not reflect late since XXXX when i really was not. Please help, really need your help. Thank you in advance for all your help. Stay safe. Regards, XXXX 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 2020-08-09 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, I noticed authorized transactions being withdrawn from my account via XXXX XXXX and XXXX XXXX totally {$990.00} and I immediately called Navy Federal to file a claim. The the Navy Federal rep said I had to wait for the transactions to go from pending to posted before I could file a claim and once the claim was filed " provisional funds '' would be returned to my account while an investigation was launched. 

I waited for the charges to be posted and then I filled out the form sent to me via email on XX/XX/XXXX. Days went by and I had not seen the " provisional funds '' nor had I heard from Navy Federal regarding the investigation. I placed a call on XX/XX/XXXX to Navy Federal and was told because the transactions looked like I  authorized the transactions in question, they were unable to reimburse me. They recommended that I contact XXXX XXXX and XXXX XXXX. They also said I had the option to appeal their decision. 

The same day I contacted both XXXX XXXX via phone and XXXX XXXX via email ( attached ). XXXX XXXX XXXX said they were unable to refund me the money because it came directly from Navy Federal. XXXX XXXX said that because the transactions were completed that they were also unable to refund me my money. 

On this same day I texted and called the number that was attached to the transactions that were sent through XXXX XXXX and the number was disable. I texted and called the number again on XXXX XXXX and still no reply Transactions total:XXXX 2 transactions from XXXX XXXX : {$140.00} and {$200.00} 3 transactions from XXXX XXXX : {$200.00}, {$200.00}, and {$250.00} I never authorized these charges and those funds were for me to return back to school on XX/XX/XXXX. It is horrible that Navy Federal is not willing to reimburse me when all they have to do is re-examine my past transactions and they will see that I have NEVER made transactions in this amount to XXXX XXXX or XXXX XXXX. My father is a retired vet and we have used Navy Federal for years and they way they have treated me as if I am a criminal and worse a liar is disheartening. All I want is my money back and I will open an account elsewhere. I have attached all the information I have regarding this transaction and will also be filing a police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
The day Lowes finished building my porch XX/XX/2019 I knew it wouldnt pass inspection, the wrong materials were used as well as inferior ones, also six steps were built instead of seven, so I refused to sign work completed form but Lowes charged my account without my authorization the porch is still flunked by building department I fought with Lowes to get XXXX of the XXXX they charged I was told by them I would be in for a long hard fight to get anymore and they are true to their word I cant even get an estimate from anyone to repair as no one wants to repair anothers job that was flunked by inspector

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 monetary relief
Consumer complaint received 2020-08-09 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: TN

Complaint narrative:
I reported identity theft on my account. Experian returned by saying they did NOT believe the complaint came from me. I submitted the FTC Report, Driver 's License, Social Security Card AND Utility and NOW I have had my document notarized! They are stalling and if this does not solve the issue, I will sue them and take them to court!

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 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I have a old repossession that has in accurate information, they have the dates wrong on each three Different credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I want to be able to link my account to anything and any app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am trying linking my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
Yesterday on XX/XX/XXXX I tried add cash from my bank account to my cash app and it failed no matter what amount I tried. Today I tried again and decided to contact support when it failed again. An automated email came back saying that my account had been closed. I now try to cash out my remaining balance into my bank account and that transaction fails too. I would like to get the remaining balance from my cash app if it is no longer usable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a old repossession that has in accurate information, they have the dates wrong on each three Different credit bureaus.

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 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a old repossession that has in accurate information, they have the dates wrong on each three Different credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
One XXXX I received one of many calls from a representative from Midland Credit Management Inc.. Doing the last call the representative threatened I will be sued because i'm unable to pay a debt ; this wasn't the first time a representative from this company attempted this illegal tactic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09 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: FL

Complaint narrative:
Experian and XXXX continue to report fraudulent negative information on my credit report and will not remove it to no avail. They are in violation of the FCRA.

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 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX has been on my account since XX/XX/XXXX with false amounts of {$2400.00}, {$2700.00}, {$1300.00}. Us Dept of Education been on my account since XX/XX/XXXX with false amount 's of {$1300.00} on my report two times XXXX XXXX XXXX XXXX has been on my report since XXXX/XXXX/XXXX false amounts of {$7000.00} i never in my life made any payments on these loans, they were supposed to remove off my report and have not removed .They have multiple accounts on my report and have not removed any accounts have ignored my request, i want the accounts 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 explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX XXXX can no longer save funds from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: FL

Complaint narrative:
XXXX and Transunion continue to report fraudulent negative information on my credit report and will not remove it to no avail. They are in violation of the FCRA.

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 2020-08-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi I am looking to register a complaint against Chase Bank in regards to the unfavorable policies and procedures that are designed to take advantage of customers. 

As a background, I made airline flight booking using Chase travel website using their premium credit card ( Chase Sapphire Reserve with {$550.00} annual fee ). The airline cancelled the flight due to Covid-19 situation. As per airline 's policies I'm eligible for a full refund. However, as the booking was made through chase travel ( agent ), the refund has to be initiated through them. 

I have talked to chase travel team 7 times collectively for 7-8 hours and all they do is send an email to the airline to provide them a code to process the refund. This has been going on for 4 months and I have been repeatedly told to keep waiting until they get a response to the email address. To make matters worse, upon me insisting to investigate the matter, they found out that they don't have correct email address ( as confirmed by them in the email ). However, this still didn't resolve anything. I have 2 cases open with chase for 3 months. 

Chase travel 's policies and procedures are designed to disadvantage customers and the customer service representatives are not provided any training on how to resolve/escalate such issues to next level. Further, no monitoring is done on the customer disputes/complaints and the 2 above cases are still open for months. 

I request CFPB to take action against Chase Bank and have them resolve this issue. Additionally, as explained above it may require broader review and update to the chase travel policies and procedures to make it Fair for the customers. 

Flight details : Chase travel - Itinerary number : XXXX Travel Date : XXXX XXXX to XX/XX/2020 Refund requested : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 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 2020-08-09 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: CITIBANK, N.A.
State: OH

Complaint narrative:
This account was paid and closed off in the month of XXXX in 2019. 

This is a secured credit card and I paid {$200.00} to open my balance. My balance was only roughly {$160.00} and I put {$200.00}, And the creditor agreed to close my account and pay me my remaining balance out of the XXXX $ after taking the money for the payment Due. 

Instead the company keeps my account open // does not pay me the money and I get 2 late payment. I would like all of this removed off my credit. 


On the comment section it even says closed a creditors grantors request. That was in XXXX. The card was still open for two months after that The company address is XXXX XXXX XXXX XXXX XXXX, SD 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 2020-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC
State: GA

Complaint narrative:
I got a loan from Carvana. I used my XXXX card in the Plaid. The Company told me that card was not valid to use for ACH. So, I transferred my {$1000.00} to XXXXXXXX XXXX. They told me that my bank was not allowing me to get money from bank account. I am getting these ugly XXXX email from Carvana stating that the money or the down payment has not been paid via ACH routing number or account number. I gave them my debit card information and the card does not seem to be working. I can transfer the money to Carvana via direct deposit. They said that they will send me the money. 

I need help here. 

I am not interested in fighting with these people. 

The contract does not say a down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-09 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

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 2020-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account was paid and closed off in the month of XXXX in 2019. 

This is a secured credit card and I paid {$200.00} to open my balance. My balance was only roughly {$160.00} and I put {$200.00}, And the creditor agreed to close my account and pay me my remaining balance out of the XXXX $ after taking the money for the payment Due. 

Instead the company keeps my account open // does not pay me the money and I get 2 late payment. I would like all of this removed off my credit. 


On the comment section it even says closed a creditors grantors request. That was in XXXX. The card was still open for two months after that The company address is XXXX XXXX XXXX XXXX XXXX, SD 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