vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am a XXXX XXXX. I work for a XXXX XXXX XXXX  with no retirement plan. 

In XXXX XXXX  opened an online IRA account at TIAA-CREF. After a few trial debits, {$1000.00} was ACH debited from my checking account XXXX at XXXX XXXX to fund my retirement IRA. The debit was performed XXXX electronically. 

They mailed my deposit to me and denied opening my account in XX/XX/2022 for unknown reasons. 

I mailed the undeposited check of my funds BACK TO THEM VIA FIRST CLASS USPS along with proof of my address and identity. 

As of today, XX/XX/2022, my online account at TIAA CREF shows a XXXX dollar balance. It seems maybe TIAA CREF has lost their own check, and in the process, the {$1000.00} they took from me to set up my IRA. Please investigate and correct ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My XXXX XXXX student loans were consolidated in XXXX and my balance of XXXX then, had XXXX in interest added to the loan. Since then I've made 8 years of payments at XXXX per month which adds up to XXXX $ in payments, and my balance is still {$8700.00} today 8 years later. Their list of interest and principal payments fluctuates monthly up and down with no steady payoff rate applied. Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX,, Balance : {$980.00} ), XXXX XXXX A ( Date Opened : XXXX XXXX, XXXX Balance : {$940.00} ), XXXX XXXX XXXX ( Opened XXXX  XXXX, XXXX, Credit limit {$500.00} ), XXXX ( XXXX XXXX XXXX, XXXX, Credit limit {$1500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act the following has violated my rights. 

Bankruptcy Case Number : XXXX Collection Account : XXXX Account Number:XXXX Collection Account : XXXX XXXX Account Number : XXXX Collection Account : XXXX XXXX XXXX Account Number XXXX XXXX Collection Account : XXXX XXXX XXXX Account Number XXXX XXXX Paid Account/Late Payments : XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXXXXXX Account Number : XXXX Paid Account/Late Payments : XXXX  XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments XXXX XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX XXXX  XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX  XXXX Account Number : XXXX XXXX5 U.S.C 1681 Section 602 A : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act the following has violated my rights. 

Bankruptcy Case Number : XXXX Collection Account : XXXX Account XXXX Collection Account : XXXX XXXX Account Number : XXXX Collection Account : XXXX XXXX XXXX Account Number XXXX XXXX Collection Account : XXXX XXXX XXXX Account Number XXXX XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXXXXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXXXXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments XXXX XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 602 A : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
We used to have a Suntrust account, and since the transition to Truist completed, Truist has been adding in fees, with no notice. This feels even worse because for MONTHS there were marketing contacts, including messaging on the website opening page, about how nothing was changing with your accounts except that you had to go to a new website to access them. 
First, they added a monthly maintenance fee to a checking account that had always been free. Along with that, they changed the requirements for waiving the fee -- upping them of course, to the point where they are not within reach for a retired person.

They also switched a " money market '' account to a checking account ( without providing any checks -- or notice or even acknowledgment ), with an even lower interest rate attached. 
Now, they've added a fee for every time we transfer money to another account via the website. 
I have not even called in to Truist about these transfer fees, because the result of calling in about the addition of monthly fees ( with no notice ) was so frustrating in ineffective. Furthermore, when I call the XXXX number, they told me to call the branch. The branch told me to call the XXXX number. In fact, calling the branch nearest us, where we go for in person service, just automatically sends you to the XXXX number -- no one answers at the local number we dialed. We ended up calling around to other local branches until someone answered somewhere -- and then told us to call " our '' branch, and the XXXX number. Back on the XXXX number a representative agreed to refund one month 's fee on the account, but advised they are only allowed to do that one time per 12 months, and that they could not eliminate the fee on the account, nevermind that the account ( which we've had for probably more than 10 years ) had never had a fee and Truist never advised one would be added. In fact, if I hadn't gone on the website to check something else about the account, on the exact day the fee posted, I might not have known about it until more than one month 's fee had been charged.

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 2022-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
NEVER CONTRACTED THIS DEBT. NEVER RECEIVED SERVICES FROM XXXX. WAS OUT OF THE STATE OF GA WORKING ON AN ASSIGNMENT DURING SAID TIME. NEVER RECEIVED ANY VALIDATION FROM THE COLLECTOR DESPITE THEIR CLAIM THAT VALIDATION WAS SENT.

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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 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: NM

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX Crypto.com sent me an email stating that they were closing my account within the next 30 days ( attaching for reference ). I was told I had 30 days to get all of my funds out of Crypto.com. I was able drain the balance on the debit card ; however, I ran into issues with the XXXX balance I had of XXXX. 

I attempted to sell my balance of XXXX XXXX  on XX/XX/XXXX ( attaching for reference ). I tried 4 times and each time the sell failed. I contacted support and asked them and they told me that my ability to sell had been XXXX and that I needed to transfer out to an external wallet ( attaching chat for reference ). The only other place where I have Crypto is XXXX so I checked XXXX  and see that they are able to receive XXXX so I copied the wallet address and used this address to send the XXXX  to. Keep in mind, that I had absolutely no desire to transfer the XXXX All I wanted to do was sell my position since I was being closed by Crypto.com. I put in the transfer on XX/XX/XXXX. 

On XXXX as it had been 2 days and I hadn't seen my funds I contacted crypto.com. They told me it had been delivered. I contacted XXXX  and they said they hadn't received it yet. XXXX then informed me the method that crypto.com used to send was invalid that they don't have the infrastructure in place to receive those funds so I would need to contact Crypto.com ( XXXX ) to recover. I contacted Crypto.com on XXXX and XXXX, escalated multiple support chats to management and they told me they can't provide any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
In XX/XX/XXXX I asked KeyBank to move a {$50.00} payment that was being held to a principle payment. The wrote me a letter saying they did it. 

In XX/XX/XXXX ( just this year ) they sent me a statement showing they did NOT honor my request and the {$50.00} still shows as held on the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In regard to my previous CFPB complaint XXXX beginning with acct # XXXX, I exercised my God given right to cease all communication about this alleged debt. I am refusing to pay this alleged debt ( see attachment ). You stated that the account was secured with collateral using saving from my Credit Builder account. I am aware that federal reserve notes are the United States form of currency but it is not money. And legally you can not pay debt with debt notes. According to HJR 192 of 1933 this act removed the ability to of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt. I am going to need all payments returned in a check or money order to my place of abode immediately. If not you will be violating 15 U.S. Code 1692h. You stated that statements were uploaded to the account. Statement does not clarify this billing error. A validation of debt is requested and I will need this within 5 days of this complaint. ( See Attached ). You stated in the response that I need to contact the credit agencies directly for their specific reporting guidelines and that the information has been reported correctly and can not removed from my credit report. I am aware that a financial institution may not disclose non public information to non affiliated third-parties. Also since I was never given an option to opt out of such reporting this is my written consent to opt of credit reporting for account beginning with XXXX. Also I never gave consent of reporting this alleged debt, which is known as debt parking. If my instructions to opt out of credit reporting for this account can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15. U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15. U.S. Code 6823 ( a ) to fines under title 18 U.S. Code 3751 with fines up to 500,000 for a felony by an organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: I.C. System, Inc.
State: GA

Complaint narrative:
I have contacted all 3 credit bureau by certified mail two times with letters explaining all the information that is incorrect or that needs updating. I also requested verification of all accounts reporting debt. I also disputed online. I have sent certified letters directly to the collection agencies concerning inaccurate information and debt verification. I included with all a copy of a bill my drivers license and ss card. 

XXXX  - XXXX NO RESPONSE AT ALL IC SYSTEMS - XXXX THEY HAVE SENT ME CLAIM OF PROOF OF DEBT. 
THIS IS NOT IN COMPLIANCE WITH 15 U.S.C. 1692 ( a ) ( 1 ) - ( 5 ) UNDER THE NEW REGULATION F I did not receive verification with in 5 days of either attempt to the Reporting agencies on XXXX. XXXX, XXXX  or XX/XX/XXXX & XXXX, XXXX. Or verification by the collection company with In 5 days of reciept on XX/XX/2022. It. does not include any information about consumer rights to disputes and even clearly states that it does not state any of those laws. No information about the CFPB, or consumer financial product or service. Information on how to dispute a debt electronically or the date the validation period expires.

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 2022-06-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The purpose of this complaint is to bring attention to the XXXX XXXX and violation of my fcra rights. There is an account on my profile from XXXX XXXX XXXX XXXX  acct # XXXX. This account is currently only reporting to experian, Ive advised and dispute this account with Experian in the past. I was finally relieved when I received updates on Experian website that the account had been removed ( please reference XXXX. Ive included images from Experian as website saying the account has been removed ) yet and still the account is still being reported until this date. A company is permitted 30 days from the date of my complaint to respond its been XXXX  days and there still hasnt been a response. So, what did I do? I file another complaint with the cfpb simply because Experian has violated the fcra and XXXX rights responded to my complaint, at all that case # XXXX. So, why am I filing a third complaint for record purposes. Ive included a screen shot showing that since my initial complaint this year against experian regarding this account that while they advised you they launched an investigation they NEVER DID, UNTIL RECENTLYwhich means that the dispute perhaps fell through the cracks? Maybe someone forgot to issue a complaint. Even know there is no notice of dispute on record, which means no contact has been made with creditors..Im simply asking that my consumer rights are honored and no longer scoffed at and ridiculed I matter, my credit matters I just want my life back

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 2022-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of cybercrime where I was scammed into purchasing an annual service that did not work and was only in beta form. I was not able to use the product purchased as it was not as advertised and was not a complete product. In XXXX of XXXX, I purchased a service online to help search and apply for XXXX XXXX  with the company XXXX. I was to receive access to my product portal immediately but was not able to access it appropriately until almost a month into the service. When I was able to log in XXXX they finally agreed to set up a time where I can learn how to use and manage the tool. Upon my training, I was informed that the product I was given access to was not the " real '' one but the beta version which is why I could not actually apply for the government projects. I was taken aback as I did not pay for any beta or to be a test dummy. I asked to be immediately upgraded to the paid version as I made a XXXX annual payment for the service. I was then informed that I would not have access to the paid version until I made the full payment upfront. I requested to be reimbursed but they refused. The bank has been informed of this multiple times and refuses to assist. The only thing that they say is that Re : Claim # XXXX for account ending in XXXX XXXX XXXX, We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : The info we got from the merchant shows this is a valid transaction. 
You can still try to resolve this directly with the merchant ( s ). 
To request copies of any documentation used to make this decision, call us at XXXX. 




The bank has no interest in helping me resolve this issue.

Company response to consumer: Closed with explanation