vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been trying since XX/XX/XXXX to set it up so that I could transfer funds from Truist to another bank account external to Truist. I am in an endless loop between entering the information, getting trial deposits, then completely unable to enter the amounts of the trial deposits so that I could finalize the process. I waited an hour to speak to a human on their toll-free line then that human promised to transfer me to someone who could be more helpful, and the call was cut off. The online chat function is mostly automated, but where a human is potentially available, the wait time is estimated at 30 minutes. Truist ( formerly SunTrust ) seems completely off the rails with no possibility of recourse.

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 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I sent an electronic check payment from my bank to COMENITY - XXXX Rewards XXXX. The bank stated that the payment was sent on time. The payment is not due until XX/XX/2022. 

On the next bill, I received a late payment from XXXX. They did not process the payment until XX/XX/2022. I called XXXX and explained the situation. XXXX stated that they can not waive the fee since I closed the account. Since I paid the bill on time, I should not have to pay the late fee. XXXX stated that they can not do anything about it and if I don't pay the late fee, I will get another late fee on the next bill. 

The late fee is {$29.00}. It's a lot of work to try to clear this up. However, on principle, I hate paying it since they may do this to a lot of people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Today XX/XX/2022, I called to EARLY WARNING SERVICES , LLC, in order to get the result of AN INVESTIGATION THAT XXXX BANK OPENED WITH THIS COMPANY. This investigation began on XX/XX/2022, AND THE RESULT WAS SET TO BE ANSWERED ON XX/XX/2022, AFTER ONE MONTH OF INVESTIGATION. I called today to hear THE RESULT OF THE INVESTIGATION OPENED ON XX/XX/2022, AND THE AGENT XXXX, EMPLOYEE # XXXX TOLD ME THAT EARLY WARNING SERVICES WAS NOT GOING TO GIVE ME ANY ANSWER UNTIL I RECEIVE SOME ENVELOPES THAT EARLY WARNING SERVICES SENT ME SOME WEEKS AGO AND I RETURNED THEM TO THE SENDER. THIS COMPANY IS COMMITTING A RETALIATION CRIME AGAINST MY PERSON BECAUSE I DO NOT WANT TO RECEIVE THEIR UNEXPECTED MAILS. EARLY WARNING SERVICES IN VIOLATING MY CIVIL RIGHTS REJECTING TO PROVIDE THE ANSWER OF AN INVESTIGATION. THIS INVESTIGATION IS ABOUT A HARD INQUIRY POSTED IN MY PROFILE IN A FRAUDULENT WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: NV

Complaint narrative:
Hi, my name is XXXX XXXX. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-03-01 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: NV

Complaint narrative:
Hi, my name is XXXX XXXX. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-03-01 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: IN

Complaint narrative:
I have sent certified letters explaining that these companies are using my identity saying I owe them .I have disputed all furnishes using my identity which no prevail please help. This identity theft has left me XXXX and I only request to remove the inaccuracies

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 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
My mortgage payment, including escrow account, total changed from {$1900.00} to {$1900.00}. I made the payment of {$1900.00} on XXXX for my XXXX payment, which was {$5.00} short of total due. I always made my payments using Auto-pay and the total was not updated to account for the change in my escrow account contribution. I was contacted by Fifth Third bank by mail regarding the shortage and so I wrote a check for {$5.00} on XX/XX/2021. Fifth Third Bank contacted me by phone and I informed them of the check that was mailed out and they noted the payment was coming. I discussed the situation with the customer service representative. I requested the balance of {$1900.00} be refunded so I could make a new payment in full, {$1900.00}, but that was not an option. I corrected my auto payment to {$1900.00} and made a payment on XX/XX/2021 which cleared on XX/XX/2021. Check of {$5.00} was received and applied to my account on XXXX, bringing my payments to full. Fifth Third Bank reported me to credit bureau in XXXX for delinquent account total of {$350000.00}, not {$5.00}. My credit score dropped XXXX points because I payment was received but not applied to my account. 
The {$1900.00} was not applied to my mortgage account by Fifth Third Bank but was deducted from my checking. When Fifth Third Bank was questioned about why that payment was not applied they stated " they did not know what to do with the payment, and I never called to tell them what to do with it ''. 
I made all payments to Fifth Third Bank before and after the escrow total change. I have never defaulted on a mortgage payment with Fifth Third bank, nor any other mortgage company in the history of me owning my property. All communication with Fifth Third Bank was open and there was no avoidance on my part to correct the issue. The change in payment total did not impact the amount paid to my load, only to my escrow account. When I reached out to Fifth Third Bank there was no negotiation or talk of them helping me to rectify the situation. I requested to speak to complaints department and they stated a paper letter would need to be mailed into Complaints because they do not take phone calls. 
I did not request to do business with Fifth Third Bank, nor was it an option to not do business with them. The fact that I am in a contract with Fifth Third Bank without any control over the situation is absurd. I was planning to make additional mortgage payments to my account to pay down my house faster. This was an option with XXXX XXXX XXXX whom I refinanced with, but is not an option with Fifth Third Bank. I am bound to the contract of a company that does not align with my financial goals and most definitely does not have customer financial well being as a concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Acct # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-03-01 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: FL

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 explanation
Consumer complaint received 2022-03-01 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: FL

Complaint narrative:
In accordance with the Fair Reporting Act Online Information System Account # ending in XXXX, XXXX XXXX XXXX Account # ending in XXXX, and XXXX XXXX  Account # ACCIL have violated my rights. 

15 U S.C 1681 Section 602A states that I have a right to privacy.

15 U S.C 1681 Section 604A also states that a consumer reporting agency can not furnish an account without my written instruction.

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 2022-03-01 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: GA

Complaint narrative:
its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I sent the letter on XXXX XXXX but I sill having hot any response. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.

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 2022-03-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Yes, a XXXX XXXX XXXX was purchased on my way in XXXX  financing the know. We made one payment and figured out that the bike was too small for her and returned it. The firm was supposed to have reported the loan has been paid in full and or closed. To this day they have not canceled. I have also taken the steps to dispute this with Experian and to to no avail nothing has changed. Experian responded back and told me that XXXX  confirmed that {$2800.00} was still owed on the account. This infuriates me seriously as it is affecting my credit score as if I still owe them money which I do not. I am asking that they fix this to zero balance or delete immediately!. 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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Southern Management Systems submitted a collection of {$1700.00} on behalf of the XXXX XXXX XXXX XXXX XXXX. in XXXX, Florida I am not disputing the debt. I am disputing the manner in which Southern Management Systems associates disrespected me when I tried to acquire any information about the account. Any questions I asked about the account was constantly met with a hung up phone call. An associate would tell me if I was on speaker phone or a Bluetooth phone they would not speak to me-call when I could speak alone without anyone around. They asked for my name, address, phone number an last four numbers of my social security number. I gave them this information on XXXX, 2022. It made me suspicious of the validity and proof of the debt because they did not have any information. Southern Management Systems will not communicate with me. I am requesting that Southern Management Systems delete and remove this erroneous collection on my credit report. A reply would greatly be appreciated. 
Southern Management SystemsXXXX # XXXX XXXX XXXX XXXX XXXX Fl/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a Capital One XXXX card which required a personal credit check. After being declined, I called to inquire as to what I could do for possible reconsideration. After speaking with the rep they reassured me that I would not get a hard inquiry as a result of my reconsideration inquiry. The next day I received another hard inquiry for the same card... so two inquiries for one card which is now having an unnecessary adverse effect on my credit report. In the end, I never received the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I reported a case of fraud on my Union Bank credit card to CFPB, XXXX # XXXX. Though CFPB 's intervention resulted in a Union Bank investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. Union Bank should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. 

I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at Union Bank. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from Union Bank, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. Union Bank has mishandled this entire matter from the beginning.

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 2022-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This company is violating my consumer rights pursuant to 15 USC 1692g. I sent this company a letter on XXXX XXXX requesting an audit trail. I still have not received a response from this company. This is my last time requesting this information or i will file suit. I want to be extremely clear on the next thing I'm about to say .... Once i file suit I WLL NOT settle out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I sent Experian a certified letter to dispute incorrect information on my credit report. I have not received a response stating that an investigation has even started. The information is inaccurate and needs to be corrected. 
They are reporting a payment status as " Current was past due 90 days '' This is an FCRA violation- and the status needs to be corrected to " current, or Pays account as agreed ''

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 2022-03-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I sent the letter on XXXX XXXX but I sill having hot any response. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: OK

Complaint narrative:
This is a complaint against timeshare XXXX XXXX XXXX - XXXX XXXX XXXX The people we dealt with told us that we were making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. We were also told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They opened a credit card. They offered gifts like {$100.00}. They have our ID during this process. We felt extremely pressured during the whole process, they even used threatening statements when we asked assistance in selling. We didn't know how to cancel, we were never properly educated of it like how many days to cancel and such. We tried requesting to cancel but we were never assisted. We had the worst experience with this timeshare, we were highly pressured with their sales tactics. We were under impression that it was a bargain deal being offered to us, purchasing someone else 's timeshare that they needed out of. Thus, we were led to believe that they actually assis owners who need to sell and exit. We were simply defrauded and lied to. We're elderly, it felt our age were used and had been taken advantage of. Having this timeshare just gave us hardships than giving us a way to relieve our stress for people our age, especially when we're already dealing with several medical conditions but getting involved with them just doesn't help, actually making it worse for people like us. We had financial difficulties, negatively affecting our credit scores because of this, loss of income, can't pay bills etc. Experienced work stress and issues due to this timeshare, plus emotional relationships were affected well. All we got is being stressed out ever since we had this timeshare.

Company response to consumer: Closed with explanation