vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Good morning. i am writing you today because my Suntrust checking accounts had a fraud transaction made for XXXX via XXXX XXXX witch nobody knows about. the transactions were made XX/XX/XXXX to a XXXX XXXX. The transactions were done separately 2 for {$500.00} and 2 for {$1000.00}. 

We attempted to file a claims on the fraudulent funds around XXXX, the reason the claim was filed so late is because we had other fraudulent activity on the account we were trying to take care and they were successfully handled but this particular one is just very weird but we will not stop fighting. 

So the claim from XXXX was denied and we were not provided with a valid reason as to why the claim was denied even speaking with a representative the told us " the security team denied your claim we are unable to tell you and the security team doesn't have a direct number so i'm sorry about that ''. So i told the representative that i want to submit a rebuttal form, at this point its XX/XX/XXXX thats when the rebuttal form was submitted. Also me and my mother walk in the bank and also submit a rebuttal form with the bank teller representative. The bank teller also helps us submit a form because he taught it was ridiculous too. So both forms were submitted less than 45 days later the rebottle claims came back denied. The email read " we have received your and reviewed your letter, the document failed to give any additional details that would overturn the decision rendered on your case ''. It was very heartbreaking, my mother and i went over to to Suntrust bank again to see what we can do and the teller told us its nothing i can do " these type of situations happen all the time ''. She even tried to call the representatives on the phone but they were still not able to provide a valid reason on why it was denied. So now here i am still fighting to get justice on this situation.

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 2020-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CUSTOMERS BANCORP, INC
State: NY

Complaint narrative:
On XX/XX/XXXX there was an issue at the ATM. The following day I could not sign into my account to check my balance, the website said my phone number did not belong to the account. After speaking to customer service, I was able to sign into my account. However, they decided to go ahead and put a hold on any remaining balance because of the issue. I never permitted the hold on my account. When I called back, they continued to argue and said they felt in thier decision making that placing the hold on my money was the best thing to do. They told me if I sent them a copy of my driver 's license that I could then have my money back or access my funds from the account. It is a student account. I sent the driver 's license by email with a completed form. They sent back an email saying they didn't understand the email or form or copy of my ID and they wanted further clarification. There is no further clarification for the bank. They are trying to steal what is left in my account and have a replacement card mailed to a different address. I am being harassed and abused by customer service when I call. I am attaching the form they say doesn't make sense.

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 2020-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Transworld Systems collection company phone XXXX just added to my credit report stating failed to pay bill in amount of {$780.00} Making my XXXX credit score dropping 41 points This charge from XXXX XXXX in amount of {$780.00} for blood work was processed by my medical Doctors office using my XXXX Part B That Covers total amount billed .. 
Don't know why im still getting billed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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:
I recently sent a letter over 3 months ago to the Bureaus and they are disregarding a regular consumer disputes. This if very frustrating to have to worry about my credit while in a pandemic and have been sending letters before this and still no response.

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 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stenger & Stenger, P.C
State: TN

Complaint narrative:
Stenger & Stenger has PROVEN nothing of the legal process of Debt Collecting! NOT ONE OF THE DEBT COLLECTING AGENCIES ... THERE HAVE BE 3 ON THIS DEBT ... HAS EVER!!! SENT ANY PROOF OF SUMMONS TO APPEAR IN COURT TO DISPUTE SAID DEBT CLAIM!!! We have asked Stenger & Stenger to sent validity of this JUDGEMNT!!! TO DATE ... THERE HAVE BEEN NOTHING SENT!! So, until Mr. XXXX get to have his day in the court to dispute this debt.. they are in false debt colleting. And.. this debt is TIME-BARRED according to any laws regarding credit reporting. https : //www.consumer.ftc.gov/articles/0117-time-barred-debts. What should I do if I'm sued for a time-barred debt? 
Defend yourself in court. If you're sued to collect on a time-barred debt, pay attention, and respond. Consider talking to an attorney. You or your attorney should tell the judge that the debt is time-barred and, as proof, provide a copy of the verification from the collector or any information you have that shows the date of your last payment. The lawsuit will be dismissed if the judge decides the debt is time-barred. In any case, don't ignore the lawsuit. If you do, the collector likely will get a court judgment against you, and possibly take money from your paycheck, bank account, or tax refund. 

Assert your FDCPA rights. It's against the law for a collector to sue you or threaten to sue you on a time-barred debt. If you think a collector has broken the law, file a complaint with the FTC and your state Attorney General, and consider talking to an attorney about bringing your own private action against the collector for violating the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX however, Equifax has not removed this from my credit report. I have contacted the bureau to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi I need help with this issue. 

I spoke to XXXX XXXX at XXXX on XX/XX/2020 for advertising with yelp. She said she would set me up try to the advertising for the weekend for free. If I wasnt happy with the services I could cancel and would not be charged. Her and her associate XXXX XXXX kept harrassing me about these services till I gave in since it was free. I was charged {$53.00}. Even though I cancelled the services before the weekend was over. I am not working and business is slow this is why I was skeptical about signing up for this service. They lied and I need a refund for this money back. I have also searched their XXXX page and apparently they are taking advantage of other small businesses. I have also contacted 100 's of other business owners who this has happened too. Here is their XXXX page with all the complaints XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: AL

Complaint narrative:
A collection company ( afni ) contacted my wifes employer to tell them we had an outstanding balance on a bill and to call this number XXXX. When my wife called they said it was for an outstanding XXXX XXXX bill of {$33.00}. She refused to give them any personal information. I tried to call but they wouldnt talk to me. A few days later we received a notice in the mail. ... ... .. I contacted XXXX XXXX to whom we have been customers of for over 15 years. We are currently on auto pay so there is no way that we could owe on our phone bill. XXXX checked any old accounts and said that they show nothing outstanding and we are paid in full on all bills. 
The creditor Account Number : XXXX The Afni Accoint Number : XXXX Amount Due {$33.00} Afni Return phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX. Was out of work for Covid 19. Fall behind and I did pay the monthly off in XXXX when I went back to work So they reported it as late on my credit report I ask the credit bureau to remove and they said no And XX/XX/XXXX I had death in my family was out of town for 2 months left my credit card at home my sister died and left a XXXX  son and trying to get a house so he can move I. With me but these late payments are hurting me I been deny a lot of things because of these late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Toyota motor credit is activity reporting false payment history information on my credit report on payed off vehicle which is effecting my credit please have them remove this payed off balance this is effecting me to obtain credit and has me at a low credit rating this is currently all false please remove this credit payment history provide me with proof of dates times and of verifiable proof off any money owed or late payed thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Last week I made the effort to call Comenity bank to a XXXX XXXX credit card payoff. I spoke to several representatives. The 1st representative told me to pay for 3 months {$30.00} to bring my account current. I then told him I prefer to pay the balance in full. He transferred me to another department in Comenity and this person in collections was a Ms XXXX. I told her that I wanted pay off the amount in full but could we do a settlement? She put me on hold and then said instead of the {$1400.00} she would only {$1100.00}. Then she became very aggressive in speaking towards me. This woman spoke to me in a very condescending voice. That made me quite angry, how dare she talk to me like that! Quite of bit of this balance isn't for clothes I purchased it's from magazines this company pushed off on you. XXXX clothing store to my knowledge is closed. I have tried to get in touch with them but all you get is Comenity bank. I want to pay this off to rid of Comenity and their collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: NC

Complaint narrative:
I recently sent a letter over 3 months ago to the Bureaus and they are disregarding a regular consumer disputes. This if very frustrating to have to worry about my credit while in a pandemic and have been sending letters before this and still no response.

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 2020-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc.
State: MS

Complaint narrative:
XXXX ( XXXX XXXX XXXX ) has reported a false debt to my credit report. I received notice in the mail of an alleged debt. As my right, I then submitted a written request within the timeframe given in the letter for XXXX to validate the debt. I needed proof of the debt as this company is not familiar to me, nor its services. Instead of sending me proof of the debt, XXXX reported a bad debt to the credit bureaus in the amount of {$200.00}. 

Also, I've asked to see written documentation, instead I keep receiving incessant phone calls about paying the debt, but still no proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Avant Credit Corporation
State: GA

Complaint narrative:
my name is XXXX XXXX, on XX/XX/2020 i was approved for a line of credit with avant llc ( avant credit card ) address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX illinois il XXXX. I received a email advising me the card was on its way and in 10 days it would arrive, i called after the 10 days and then was told it would take 15days. after XXXX XXXX i contacted customer service # XXXX and was informed a new card would be sent out, and would take 15days. after XX/XX/2020 i called again. and they informed me they would escalate my file and issue a 3rd card out. this is ridiculous to say the least. i ve gotten emails from XXXX, privacy dept of avant.com etc because i expressed concern that the XXXX annual fee billing statement was sent to me mid - XXXX requested a XXXX payment on XXXX. i have had timeless dialogue with avant. and informed them none of the 2 prior cards arrived or has been activated. they told me i wouldnt have to pay the annual fee unless the card was activated & used, however they placed it on my credit report as a balance on a card i dont even have!! i requested the card cancelled and removed from my trade line completely. month to date i get the run around. i need help. web bank / # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX utah XXXX is the issuer of card that was supposed to be dispersed from nebraska. i totally frustrated with the lack of progress and many 15 day excuses, .my credit score has been lowered by 61points because of this bogis card apparently and no one has the answer as to if the card will ever come, or how the company will repair the damage to my report for a card i have never received. please assist me month to date the problem is still ongoing,. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime bank dispute claim id XXXX My mobile device was stolen on XX/XX/20. 
Was reported stolen and service suspended next business day on XX/XX/20. 
On XX/XX/20 I attempted to login to my Chime account via alternate device using WiFi. Access was denied because I had two factor authentication synched with original mobile which was stolen. 
On XX/XX/20 with the help of Chime agent, We changed the contact number in Chime account to the temporary WiFi number so I could gain access. 
On XX/XX/20 Chime support responded back saying they'd updated the number. 
So I logged in right away. 
That's when I noticed the fraudulent transfers that Im disputing. 
How it was done is really not up to me to determine. I just want the funds that were stolen from me. Though it may not seem like a lot if money, It's important to me and I will take the necessary steps to see that it's returned. I am in no position to just give money away.

My suggestion is for our investigative team to due diligence and take a closer look perhaps at the digital footprints that all transfers leave. I would imagine by using some sort of algorithm they should be able to track exactly what account it went to and taking it a step further to check for similar suspicious activity on that account. This is Bank Fraud. This is also my way of assisting the investigation by providing logical information. There is no way I could have done the transfer because I was locked out of my chime account when the theft happened. .All they have to do is look closer at the timestamps in which I interacted with the Chime agents to see this. Right is right. I want my money back and shouldn't be forced to have to open another bank account elsewhere. Now I have also been finding multiple reviews that had similar situations in which Chime is refusing to acknowledge stolen money from account and replace the federally insured funds for it's customers. 
If someone steals your money, you should be able to recover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I requested a credit balance of {$770000.00} be sent to me. At his recomendation, the customer service rep stated that he could transfer the funds to my XXXX account on file. This account was used to send monthly payments to BBVA. I never received the funds at XXXX and had to contact them again. I was advised that the rep never should have attempted to send the funds to XXXX because it was an " external ' account. BBVA could only send credit balances to an internal account which I did not have. OK, the only other option was to mail the check to me via regular mail. I was told it was mailed on XX/XX/XXXX and still have not received it. I called at least 3-5 times and was always told the issue was " escalated '' ; no supervisor spoke to or called me as promised last evening. BBVA can not or refused provide me with any tracking mechanism to determine where this check is. I am constanly being told to wait. No cut off date is given to me whereby they could stop payment if check is lost, issue a new one, and use some sort of courier service ( XXXX, etc. ) to ensure I receive it. 
I WOULD APPRECIATE RECEIVING MY MONEY! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted an online dispute regarding ( Inaccurate and misleading address information ). 
This information has not yet been nullified. The following information needs to be corrected and deleted from my report : 1. My apartment number ( XXXX ) needs to be added to my current address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX is being report incorrectly and missing information and should be deleted from my report 3. XXXX XXXX XXXX # XXXX XXXX, NC XXXX this item is an out dated personal mail box, misspelled and outdated and should be deleted from my 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 explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: NY

Complaint narrative:
XXXX XXXX sent my account to collections. They stopped taking my auto pay and the park never opened for the season due to covid-19. I disputed the amount owed and they agreed to remove a large portion of the balance and to give me credit for the next season as I essentially would be paying for service that was paused due to the pandemic. The corrected amount was sent to the collection agency and reflects when I log in but the collection agency will not allow me to pay the balance in full. I have attempted several times since the adjustment was made and every time it asks me to pay a minimum of {$100.00} on a balance of {$93.00}. Initially I was told by the creditor that it would just take a little while for their system to update to reflect the right amount. It has been a month and it still will not allow me to pay the balance in full. Any and all derogatory information against me should be deleted. I disputed the debt, the amount was corrected, their system then demanded I pay more than the full amount due. This is unfair and deceptive way to collect monies not even due. I am unhappy with how I have been treated by the original creditor and their collection agency. Again zero services have been rendered due to covid 19, I agreed to pay an amount in return for a future credit in 2021, the collection company system is demanding I pay more than the amount it even shows on their system than I owe. I took prompt action when I was notified, disputed the debt and they are trying to ruin my good name and my credit while I am in the process of making a large purchase. The practices of the CACI collection agency are very shady.

Company response to consumer: Closed with explanation