vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My father passed away XX/XX/2020. He has a checking and savings account with Suntrust bank. There is a beneficiary on his checking but none on his savings, so I ( his only child ) am entitled access to his account. I had an appointment at Suntrust on XX/XX/XXXX and met with Ms. XXXX ( will give name if requested ) to discuss his account and I completed and signed an Affidavit and Application for Deposit. While there Ms. XXXX, informed me that someone requested a hold on my father 's account. She did additional research but I was not allowed any information or access to my father 's account. Since then, I have called Suntrust Customer Service, and I called the Suntrust bank in XXXX, Va and spoke with a lady ( will provide her name if requested ) but she was of no assistance. She passed the call along. Other than Ms. XXXX, no one from Suntrust has communicated with me about his account. I have had " hang up '' calls, representatives that state they can not help me, or messages taken but no return calls.

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 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have complained with the Credit Reporting Agencies ( CRA 's ) regarding the FCRA requirements that the CRA 's investigate for completeness and accuracy. The CRA 's reply on all complaints that " they will enter my dispute into their system and review all information ''. This isn't an answer but a way they blow off complaints and look like they are doing their job..

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 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Select Management Resources, LLC
State: AZ

Complaint narrative:
On the morning of XX/XX/2021 while getting in my car, I was approached by a neighbor in my apartment complex who informed me that a tow driver from LoanMax had come into our parking lot and began snapping pictures of my license plate and car. When the driver saw the neighbor, the driver informed the neighbor that the neighbor 's car would not be towed and proceeded to tell the neighbor that he was only seeking photos of my car and that my car was currently on " hold '' pending loan payment. He also showed the neighbor " proof '' that my car title loan was on hold. I did not authorize LoanMax to communicate with anyone other than myself. This is a direct violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are multiple credit inquiries on my report that I did not authorize. I have disputed these inquiries several times and they have not removed any of the unauthorized inquiries. I disputed these inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to thoroughly investigate my disputes and continue to validate the inquiries.

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 2021-02-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are multiple credit inquiries on my report that I did not authorize. I have disputed these inquiries several times and they have not removed any of the unauthorized inquiries. I disputed these inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to thoroughly investigate my disputes and continue to validate the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: FL

Complaint narrative:
There are currently numerous accounts listed on my credit report that I have no knowledge of which are highly affecting my credit score. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
In XX/XX/XXXX my mortgage with XXXX XXXX XXXX was transferred to Northwest to oversee my acct. I filed a dispute with your agency against Northwest and a decision was made that my claims should not be against Northwest but against XXXX Since then XXXX has filed and rescinded the foreclosure on my property. There is currently a complaint against XXXX  with the Attorney Generals Office. My attorney is still waiting for XXXX to get back to them on how they are going to negate the issues. After reviewing my credit report I found that Northwest was reporting to the credit bureaus. I contacted them in XX/XX/XXXXand ask them to remove the account at least until we know the outcome of my case since it is still pending and no decision is made. The representative said they has to contact XXXX  and will call me back. When the rep called me back she said XXXX  said that if I had a problem to contact them. When I contacted XXXX they never addressed my issue about the Northwest but continued to go back and forth about the pending case. Therefore contacting you is my only way of resolving this.

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 2021-02-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2020I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Select Portfolio Services is messing with my short sale through the actions of legal language. SPS forced me to sign a promissory note, which I signed for the short sale approval but the approval does not waive the deficiency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo is inaccurately and unfairly reporting to credit bureaus and causing further debt entrapment to their customers. 

During the lockdown, I requested my loans be entered into a forbearance XXXX and I entered again from XXXX. WF did not communicate limits to this and subsequently removed them from this status resulting in 30-60-90 day late reporting. Again, no limits had been communicated to me or my co-signer, despite me making an additional request in XXXX to extend. 

When I inquired when/why these changes places to place, it took speaking to the XXXX to get an answer that wasn't " you need to pay these to bring them current ... that's all we know '' and I waited an additional 15 days to be told they had no intention of acknowledging their lack of compassion, communication, or damage to my credit report. In addition to catching them rack fees in my account and being issued a refund for multiple instances of these fee assessments, I believe Wells Fargo is a predatory bank that should be investigated. 

They are resolving themselves of their place in the student debt crisis and selling their student loan accounts to a third party -- leaving thousands of us with loans nearly in default to instead deal with collection agencies where additional fees will be added. 

This is unfair, inaccurate, and it should be examined further to prevent Wells Fargo from further profiting from it's predation.

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 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I have been trying for over 3 years to get XXXX, Transunion, and XXXX, to remove a collection account that has been closed they refuse to close it and continue to leave them on my report everytime I disputed an item after the dispute is done my score goes down as much as 22 points

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 2021-02-03 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: NH

Complaint narrative:
I have been trying for over 3 years to get XXXX, XXXX, and Experience, to remove a collection account that has been closed they refuse to close it and continue to leave them on my report everytime I disputed an item after the dispute is done my score goes down as much as 22 points

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 2021-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Specialized Loan Servicing purchased my equity line of credit XXXX {$60000.00} limit ) from XXXX XXXX XXXX in XX/XX/XXXX, The balance was in or around {$54000.00}. In XXXX XXXX XXXX or so XXXX the account reached its draw down limit {$60000.00}. I was not able to make but one payment in XXXX the rest of the payments were applied to the balance on the account. A bill collector on behalf of SLS contacted me in early XX/XX/XXXX about the account. I contacted SLS and sought a forbearance agreement. It was granted and they sent me a letter confirming that I was in forbearance for the period XX/XX/XXXX, XXXX XX/XX/XXXX, and all foreclosure activity would cease. 

In XX/XX/XXXX, my usual statement listed attorney 's fees, other foreclosure expenses and my house was listed with XXXX XXXX GA for public auction for XX/XX/XXXX. I contacted SLS at their customer service number and was told that something was wrong because I was in a forbearance agreement. I emailed the bill collector - attorney and explained that I was in forbearance. I wrote the first letter of many to SLS who did nothing but canceled the sale for that date. I complained about them billing me for foreclosure expenses while under the forbearance agreement. In my next statement the legal fees associated with foreclosure were changed to " corporate advances '' XXXX same amount for each item that was billed in the XX/XX/XXXX statement, and designated as foreclosure activity ). I wrote an overnight letter requesting a full disclosure of what the fees were and under what authority were they placing these corporate advancement fees on my account. The payment department in XXXX XXXX CO sent the letter back to me and told me that their billing office in XXXX CO handled account issues. I sent a copy of the letter to them, and as of today, I have heard nothing. On XX/XX/XXXX paid the reinstatement amount which included the corporate advances now billed as " fees billed '' with no explanation.

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 2021-02-03 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: MD

Complaint narrative:
XX/XX/2020, I put a fraud Alert on my credit report with Transunion and XXXX. The fraud account have not been removed from credit report. I have submitted the Federal Trade Commission Identify Theft Report XXXX - Police Report number XXXX, Officer XXXX, Badge # XXXX. I have reached out to XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX and XXXX Bank by mail and phone with no success removing the fraudulent accounts off my credit report. I have reached out to XXXX and Transunion by mail and phone with no success removing the fraudulent accounts off my credit report. 

Thanks 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 explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Santander Bank is claiming a defaulted account of {$6700.00}. I do not believe this account belongs to me. On XX/XX/2020, I emailed Santander Bank requesting a validation of debt. Under Massachusetts state law and Federal regulations, they had 5 days to provide validation on my claim. They failed to reply with any validation, instead requesting I call to discuss instead. Please note, failure to provide validation from a written request is not legal. After receiving that reply, on XX/XX/2020, at XXXX, I called and spoke with a representative. The woman | spoke to informed me they would email me a validation of debt. I requested the validation not only via email, but also hard copy in writing. No validation or any form of communication has been received. On XX/XX/2020, at XXXX, I followed up with another phone call to check on the mailings of the validation. After speaking with multiple employees and being transferred to multiple departments, I was hung up on. Again, this is not legal. On XX/XX/2020, I sent Santander Bank a Consumer Protection MGL Chapter 93A Demand Letter, via certified mail. I was notified that it was received by Santander Bank on XX/XX/2020. By law, they had 30 days to respond : 30 days has passed with 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 2021-02-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2021-02-03 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, AMEX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, AMEX add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion decreased my score 34 points on XX/XX/XXXX. It didn't list what caused the changes. The credit monitoring app only showed that my credit card payment was on time and my balance decreased, which typically reports positively. I pay monthly for Transunion 's credit monitoring services, I also have other third party apps that are reflecting the same 34 point decrease from Transunion bureau. I contacted Transunion 's customer support on XX/XX/XXXX to check and see if something derogatory was recently added. The rep was helpful but he says he can only see general information as well. he listed things that were not significant enough to report a decrease. He stated an inquiry from XXXX which had already been reported. He could not find anything that reflected a new delinquency and apologized for not having any further information. I did recently dispute a company in XXXX for an inaccurate/fraud account and the account was removed and my score increased. I am looking to figure out what has changed since then and a better explanation as of why my score decreased since it wasn't clearly provided. And if applicable, a correction to my 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 2021-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received notice from Chase bank that my credit card interest rate could go up to 29.99 % if I make a late payment. The US mail has been running slow and other issues could occur due to Covid that might cause a late payment. This interest fee is high, very high like a loan shark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: PA

Complaint narrative:
Contacted XXXX in 2017 when I found that the tenant XXXX XXXX XXXX XXXX at the time did not transfer account over to his name. XXXX told me to have tenant contact them to have account transferred and they would send out a letter to have signed by me and tenant. Instead of XXXX transferring the account they made up a new account and never sent out a new letter. 

After several attempts of contacting them and disputing the account with the credit bureas, I decided to reach out to you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: VA

Complaint narrative:
I feel that American Credit Acceptance should be investigated the way they are preying on people especially minorities and less fortunate with the high interest rate loans. Something needs to be done about these companies doing this. How can the less fortunate ever win with 25 % interest. This is a set up because they know people will default in these high interest rate loans. They need to be investigated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation