vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I applied for a loan over the phone. Their claim was that they were from XXXX XXXX XXXX  XXXX XXXX. I gave them all of my info. Their phone numbers were XXXX and XXXX. They deposited {$500.00} into my account. I was told to go buy a XXXX gift Card for XXXX and send them the numbers from under the scratch off. This first transaction was a test to make sure it worked. The second day they deposited XXXX into my account. Told me to buy 4 XXXX Gift Cards at XXXX each and the remaining would be the first portion of my XXXX loan. They got access to my account and took a lot more than was planned. BB & T froze my accounts and made me pay for what they had taken. It cost me around 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 2021-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA

Complaint narrative:
On XX/XX/XXXX I sent an Affidavit of Truth, Exhibit A, Exhibit B, Cease and Desist, Debt Validation letter, Information request, Invoice, Signed by Notary to Continental Service Group Inc. I notified them about their Violations under 15 USC 1692 B ( 5 ), 15 USC 1692 B ( 2 ). Under 15 USC 1692 C ( c ) I am refusing to pay alleged debt. Under 15 USC 1692 C ( c ) 2 I am invoking my specified remedy as a consumer and original creditor. Under 15 USC 1692 g Fair Debt Collection Practices Act I am Disputing alleged debt and Validation is Requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: PA

Complaint narrative:
To whom it may Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: GA

Complaint narrative:
The account listed below DOES NOT BELONG TO ME! I have asked the credit bureaus on several occasions to provide copies of the information they have on record, and they have failed to do so. These account is : 1 ) XXXX XXXX  XXXX Balance {$5600.00} This account was opened by an unknown party and I have the right, according to the Federal Government to see the data they are using to report this false information. My next step is to file a lawsuit in local court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: AZ

Complaint narrative:
There are 3 Accounts on my Credit Report that are not mine, that I have disputed to all 3 Reporting Agencies numerous times to no avail. I am unfortunately a Victim of a Bank caused Identity theft. After the Breach happened and all of my cash was taken, I was told to put a freeze on my accounts and write a Consumer Statement for each of the 3 Accounts which I did. Now I can only get one Report and that's from XXXX, the other 2 told me to get one mailed to me which takes anywhere from 2-4 weeks. Anyway, these Entries are not mine and it's now caused a Sevier problem with me getting a Refi on my home I had to pay cash for because of all of this! 
As you can probably tell at this point I'm pretty Chapped about this as it has been going on almost 41/2 years now. I am not sure if you can help me out at all but am in hopes that you all can finally get them off my Credit Report so I can finally live in peace. I thank you for taking the time to read this note, and look forward to hearing back from you all. God Bless America! 
XXXX XXXX XXXX, Arizona

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 2021-07-17 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: NY

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX/XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$9000.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX/XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2021 I had closed Bank of America IRA Account XXXX  XXXX XXXX  XXXX and moved the funds to a brokerage account. The balance was {$7000.00} and month interest was {$0.00} for a total {$0.00} for eight months. I understand interest rates are low and do not fault the bank forfeiting the {$0.00} cents because the maturity interest period was not complete. I do fault the bank for having the funds on deposit for over 15 years and changing Fee Rules after the initial deposit. The position they hold is XXXX cents inters or {$50.00} fee, with out making it know to the consumer. A no win situation for the customer. 

The issue I feel is the Trustee Transfer fee of {$50.00} for one transaction. The fee verses the interest rate is unrealistic. I called the bank and the were sorry for low interest rates, forfeiture of interest and sorry for the fee, but nothing they could do to change the fee. 
I am sorry to complaint about this usury bank fee, to close an account. I made attempts to find these rules posted and I was told they are listed on Bank of America website and to search for the agreement. 
I had the money in the IRA for years and this was not part of the agreement. I can see how Bank of America doubled they profits this quarter. The charge fees on simple transaction of closing an account. 

Please let me know what action I can take to recover the Trustee Transfer fee of {$50.00}, which was another name for closing an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-17 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: MD

Complaint narrative:
My wife and I purchased furniture using a XXXX XXXX credit card we signed up for in late XXXX XXXX XXXX ). Since that time we have not received the credit card, account number or bill. After XXXX the bank ( comenity ) in XXXX that owns the card, I called their customer service number and was placed on hold for 32 minutes. I then went to their website and requested that my card be sent to me through their chat service. After still not getting the card, my wife went into the XXXX XXXX store where they sold me on getting this credit card, to ask them for the bill and card and the gentleman at the XXXX, MD location told us he would request a new card and bill be sent. 

Two weeks ago in early XXXX I got an email into my spam folder that said my payment late, so I called again and after a long hold finally got someone on the phone. I paid the bill in full over the phone ( even though I wouldve preferred to actually have the credit card and bill in hand ) and was still unable to access my account because the company does not give out account numbers over the phone. At that time the lady said she would reverse the late fee which I thanked her for. 

Yesterday XXXX XX/XX/XXXX ) I finally got the 2nd bill, though still without the credit card or 1st bill and noticed that I had been charged a {$70.00} interest charge despite not having the credit card or access to my account. I spoke to 5 different representatives and supervisors who said its their company policy at Comenity never to refund interest charges, even when it is clearly Comenitys fault for not having delivered my bill and credit card after multiple asks by me. 

If they do this to someone like me who has the ability to pay the bill, I can only imagine what they do to people who dont have the ability to pay their credit card bills. Truly horrible customer service and protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
We were affected by the Pandemic ... A business venture we had projected as having promising possibilities was adversely impacted by the restrictions imposed by State Governments ... The Business  was based on XXXX XXXX in the XXXX XXXX XXXX. 
The Need for this XXXX  / XXXX XXXX / XXXX XXXX  is/was immense ... The potential Income from this XXXX XXXX XXXX career was intended to compliment our retirement benefits and provide additional career alternatives professionally! The Business never got off the ground and the Venture Capital, Educational Certification, Cost of Course Requirements, Licensing Cost, etc was spent with no realization of the eventual Pandemic experience ... We have had to restructure our Finances, contact Creditors, budget our Monthly Income against the Cost of Living! We leased a Vehicle at the end of 2019 when income and expenses for us monthly was convenient ... We had no idea what was looming Economically after the New Year ... In essence we have been able to manage our debts by corresponding with creditors and making payment arrangements that provides partial payments and eliminates hardships for us monthly! We have written to XXXX on several occasions asking for relief with basically no remedy ... XXXX 's response has been Lease Cancelation Notices, Money Demands that have been met at the cost to other Bills Monthly. XXXX has attack our Credit Report and Credit Rating relentlessly ... Their Customer Account Reps are totally unconcerned with anyone they service ... the Reps recite Corporate Policy on the Phone with No Recourse ; therefore, I have discontinued Phone contact ... It's Senseless!

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 2021-07-17 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: AZ

Complaint narrative:
There are 3 Accounts on my Credit Report that are not mine, that I have disputed to all 3 Reporting Agencies numerous times to no avail. I am unfortunately a Victim of a Bank caused Identity theft. After the Breach happened and all of my cash was taken, I was told to put a freeze on my accounts and write a Consumer Statement for each of the 3 Accounts which I did. Now I can only get one Report and that's from XXXX, the other 2 told me to get one mailed to me which takes anywhere from 2-4 weeks. Anyway, these Entries are not mine and it's now caused a Sevier problem with me getting a Refi on my home I had to pay cash for because of all of this! 
As you can probably tell at this point I'm pretty Chapped about this as it has been going on almost 41/2 years now. I am not sure if you can help me out at all but am in hopes that you all can finally get them off my Credit Report so I can finally live in peace. I thank you for taking the time to read this note, and look forward to hearing back from you all. God Bless America! 
XXXX XXXX XXXX, Arizona

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I want to put on record the forced consolidation of student loans by fedloan. I struggle with XXXX XXXX, despite XXXX serious diagnosis I have beat the odds with a lot of hard work and caring professionals. In XXXX I was partially hospitalized and went on XXXX  XXXX. I couldnt make the payments and I called them. They refused to take a lower amount. They said they would report my payments late if I couldnt pay the monthly amount. In other words would rather take nothing then something. I sent what I could but instead of applying it to past due amount they broke the payment into pieces. They put different amounts to different loans and thereby forced the account to be late. My credit plummeted. In an effort to stop the bleeding fedloan told me I can consolidate the loans. I had been fighting this option because some of loans dated back to XXXX when interest rates were low. I asked to pay a different amount it was not an option. Knowing my credit will continue to suffer I chose consolidation. Knowing I couldnt pay at the time I put it in forbearance where the XXXX style interest began. I have all the correspondence. Thru out my time with fedloan they applied payments in pieces forced me into consolidation and forbearance. I complained and went to student loan ombudsman and no one listened. NOW it is discovered I am far from the only one this happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have called Barclays twice to cancel my XXXX card. Each time I brought up cancellation, the agent disconnected the call. Barclays will not cancel my card and is now reporting it past due with credit bureaus, negatively impacting my credit score.

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 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint is not updating my bureau scores timely. Last scores are updated as of XXXX. This is causing me an issue with trying to refinance which I need to do due to divorce. Company has been contacted multiple times and issue still not resolved. 
I am paid through XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
We received a letter in the mail from Mr. Cooper threatening to purchase insurance for our home which we will have to pay if we can not provide proof of insurance. I checked their insurance website and all seems fine. I called them and they also can't tell me why the letter was sent. All I'm getting are guesses and suppositions. In my conversations with them they're now attempting to burden on me to make sure I always update their website with my most recent policy. This is a broken process and needs to be fixed. If my policy has not lapsed I am no longer going to waste hours of my life attempting to figure out why the background systems and processes aren't working.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
The agency has violated multiple FDCPA regulations. The entity which provided me no notice that a debt existed or that the debt was in collections and placed the debt on my credit XX/XX/2021 in the amount of {$750.00} and {$340.00}, in an attempt to have me pay an unknown debt without validation. When seeking validation of the debt the agencies phone representatives hang up in my face if I do not acknowledge the debt, in an attempt to reset the statute of limitations before even validating the debt in writing. The agency uses harsh collection methods which violate the rights of consumers and do not align with FDCPA guidelines. I have sent the consumer a letter of validation on XX/XX/2021 without response. The agency refuses to assist with a validation in efforts to run out the time to request validation. This agency should be fined and ashamed as I have seen this agency do this to multiple people violating the rights we have as debtors and limiting the options we have to resolve debts before financial and credit impact occurs in an attempt to get a fast payment agreement and reset statute of limitations on what could potentially be older, non-obligated debts.

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 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 someone used my credit card number for a purchase of {$2400.00}. I received an alert from Chase asking if this transaction was mine. I replied with no. They immediately closed my card and sent me out a new one. Well weeks go by and I see that that amount still reflects on my balance. I called them and they said they closed the dispute because they found the charge valid. I asked them what evidence do you have that makes it valid. They said that the card was inserted and they called XXXX XXXX and XXXX XXXX made a general statement that any time they receive a credit card payment they check ID. At the time I had possession of the card so I knew this was not true and that I havent been to a XXXX XXXX in over a year. So I asked them to open the claim back up and further there research. In the meantime I did mine : I called XXXX XXXX and stayed on the phone with them for hours researching transaction done using my credit card and transaction amount but they werent able to find anything with my card number or that amount. So I asked them how do you code your transactions because the transaction code for mine was labeled as XXXX XXXX XXXX XXXX. The representative told me it would not have the XXXX in the transaction code. He also, told me its possible that its a scam. So from there I went online and researched that transaction code and there is tons of threads about this being a scam out of XXXX, XXXX and California. I also went on my bank statements from a year out to see how the transaction from XXXX XXXX is labeled and it doesnt have the XXXX. I provided all this evidence to chase and they closed my case again. So now I am stuck paying {$2400.00} for something I never authorized and declined as soon as my alert popped up on my phone. I dont see a point in the chase fraud alerts if nothing gets done about it. I am really disappointed with Chase and will never bank with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: MI

Complaint narrative:
I have been disputing in writing numerous incorrect entries on my credit reports for months with very little success. I need to have these items removed from my credit reports with XXXX, Transunion and XXXX as soon as possible as this has been going on for too long.

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 2021-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells fargo would not let me use my checking account to pay my loan. I am requesting Charges from XXXX be reimbursed by Wells Fargo as well as reverse the loan XXXX fee and intrest reversal as a XXXX payment has been posted to the account. I am also requesting reimbursement of fees on the loan and checking and requesting that loan intrest be waived for this statement period only.

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 2021-07-17 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: MI

Complaint narrative:
I have been disputing in writing numerous incorrect entries on my credit reports for months with very little success. I need to have these items removed from my credit reports with XXXX, XXXX and Equifax as soon as possible as this has been going on for too long.

Company response to consumer: Closed with explanation