vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
THIS IS AN AMENDMENT TO MY COMPLAINT # XXXX On XX/XX/XXXX my domestic partner and I opened a joint account for the amount of {$1000.00} at SunTrust Bank branch in Florida located at XXXX XXXX XXXX XXXXin XXXX Fl XXXX. 

My partner already moved to XXXX and I am in the process of relocating. On XX/XX/XXXX the account was closed, the {$1000.00} that was paid to SunTrust by XXXX was removed from the account and withheld by SunTrust. 

The officer at the SunTrust branch refused to return our money. She told us the money was locked in the bank 's safety box. 

We were referred to speak with Officer XXXX XXXX XXXX XXXX ) XXXX at Suntrust XXXX XXXX in XXXX, who said that we had to contact the bank legal department. 

I contacted the legal office of the Teachers ' Union of which I am a member. They sent a letter on XX/XX/XXXX to SunTrust Bank. As of today the letter remains unanswered.

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 2020-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc.
State: LA

Complaint narrative:
On XXXX there was forced placed insurance place on my loan which was then with XXXX Bank. My loan was then sold to XXXX XXXX and is serviced by SST. I have been back and forth with SST and XXXX  to get a credit for the forced placed insurance. I had a lapse in coverage from XXXX thru XXXX. That short period of time does not justify {$11000.00} of forced placed insurance being added to my loan. I call and correspond with SST and they tell me to contact XXXX. I call XXXX  and they tell me to contact SST. 
XX/XX/XXXX - called SST XX/XX/XXXX - called SST XX/XX/XXXX - called SST XX/XX/XXXX -sent email to SST & XXXX XXXX XX/XX/XXXX - called SST XX/XX/XXXX - called SST XX/XX/XXXX - called SST ( told to call XXXX  ) XX/XX/XXXX - called & emailed XXXX  XX/XX/XXXX - called SST XX/XX/XXXX - called SST ( Credit Disputes Department ) XX/XX/XXXX - sent email to SST XX/XX/XXXX - Called SST ( 3 way call with XXXX  ) XX/XX/XXXX - called XXXX  XX/XX/XXXX - called XXXX XX/XX/XXXX - Calle XXXX ( told to call SST )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Account was suppose to close at the end of XXXX I received a letter. Subsequently postive funds ntered that account in XXXX. I called the bank and they could not help. 
The information given was that the account had to close before I would receive funds this is a restricted account and no further information could be given. I inquired about when the account would official close and was told this information was not in the file and could not be given to me I asked if I could receive those postive funds which isn't a lot of money, {$300.00}, and was told no I could not get funds from bank branch, Other funds tried to enter that account and failed not sure why these funds were accepted Extremely not pleased with this situation as we are in a pandemic and not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-27 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: TX

Complaint narrative:
We were told that due to employment layoff due to Covid 19 that we would could take a forbearance on the payment and that it would not result in any negative credit reporting. After discussing it further my spouse and I elected to end the forbearance and make the XXXX and XXXX payment at the same time but was still issued a late payment to my credit report for XXXX. 

This years payments XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XXXX {$780.00} ( XXXX and XXXX 's payment ) XX/XX/XXXX XXXX The late payment was applied for XXXX even though we were assured multiple times that there would not be any negative consequences of taking the payment forbearance. Lending Club is very difficult to work with and each time you speak with a rep you told something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: AL

Complaint narrative:
Ihave been tocourt and also Federal Court regarding my home beginning with XXXX XXXX and XXXX XXXX XXXX Mortgage forclosed on me in XXXX, a fake signature was on the transfer of the loan and I sued and got my home back. While trying to pay XXXX after the recinsion, they contacted me to tell me they did not have my home. I ended up with a collection company, XXXX XXXX, XXXX, and was harrassed an demanding for all back pay.. went back to court and they settled. Got sold again to Selene Finance who I went before a Federal Judge with in XXXX  AL in XXXX.. I was ordered back into the Mortgage and went into a trial pay period of 3 months. I recieved the paperwork that XXXX, and I begin to pay the Mortgage, but I did not sign the paperwork, because it was worded incorrectly. I paid all 3 months and they would not cash any of my Cashier Checks. They silently forclosed on me only with a notice in the paper, would not answer any questions and I mailed a certfied letter to XXXX Texas regarding proving that they owned my home. No answer. I was forclosed on in XX/XX/XXXX. I am still in my home, but I want to know who has my home and why did they not abide by the Federal Judge orders? XXXX Mortgage will not answer neither. I know I am securitized, but no one will comment. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 180 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: AL

Complaint narrative:
Money Network XXXX XXXX sent me a stimulus prepaid card under the name XXXX XXXX My name is XXXX XXXX XXXX XXXX. 

You can not talk to anyone on the XXXX XXXX line its all prerecorded junk and then they hang up. I activated the card but I can't use it under this name. Really bad implementation. As a retired government employee, I am ashamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony keep messing up my mailing address and therefore, charged me a {$29.00} fee. This isnt the first time I have issues with the company about not having the correct address and charging fees. Just today, XX/XX/20, I spoke to a representative and her manager about the issued. Event thought the address was wrong, they stated that the could not be waived, even though this is their error.

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 2020-05-27 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-05-27 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-27 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: IN

Complaint narrative:
I have disputed a bankruptcy thats reporting on my Experian credit report multiple times. Experian has verbally told me and written on my credit report that XXXX verified that the bankruptcy belongs to me. I disputed the inaccurate information with XXXX and it was removed. I sent the letter from XXXX to Experian stating that it was removed but Experian continues to report the bankruptcy and states that it is being verified by XXXX. How are XXXX verifying the bankruptcy account thats not on my XXXX credit file? I recently sent a certified method of verification letter along with a few pages of my XXXX file that shows that there isnt a bankruptcy reporting. The tracking information states the method of verification letter was received by Experian on XX/XX/2020 and it is now XX/XX/2020 and my dispute has not been opened. I am fed up with the unprofessional and uncaring handling of this matter. This is my final attempt to get a accurate solution before I file legal charges against Experian. I am attaching proof of everything that Ive stated and everything that Ive sent to Experian prior.

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 2020-05-27 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I received the following threat to close my account and they will report it closed to the credit bureaus if I dont make a purchase soon. Below is the main part of the email : Were Comenity Bank and we handle everything related to your Victoria 's Secret XXXX Credit Card account.

You may not realize it, but your Victoria 's Secret XXXX Credit Card account hasnt been used since XX/XX/XXXX Thats why were planning to close your account on XX/XX/XXXX. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed. 

Want to keep your card active? Please make one purchase by XX/XX/XXXX Wed love to continue having you as a Victoria 's Secret XXXX Credit Card customer. So were inviting you to keep your account open with a single purchase but you must make it by XX/XX/XXXX. Otherwise, your account will be closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Carvana Group, LLC
State: NV

Complaint narrative:
I purchased a used vehicle online via XXXX, XXXX. On XX/XX/XXXX, XXXX sent a copy of the credit score they used from Experian to determine financing. The score provided by XXXX  was XXXX. I called XXXX the same day to ask why the score they used was lower than the score I was seeing. On XX/XX/XXXX XXXX responded by telling me they use a combination of XXXX Score XXXX and XXXX XXXX. The same day, I ordered my XXXX Score XXXX, which was XXXX, and my XXXX XXXX score, which was XXXX. I then asked both XXXX and XXXX  if they could explain why the XXXX score they were using was so much lower than the scores I was seeing. Neither company gave me an answer that explained such a drastic difference. 

If Credit scores are provided as a guide to help consumers determine their potential financing, then someone should be held accountable for explaining how and why a lender is using a score that is drastically different from the score to which the borrower has access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hi, I do not recall these inquiries and request removal or supply supporting document as required by Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. 

I have reached out to all of the companies within this list via certified mail and received no response : XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please provide any application suppling this inquires.

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 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MN

Complaint narrative:
The company is Enhanced Recovery co. They say i owe XXXX but i contacted XXXX XXXX and they could find my name or the account. So i asked who their collection went to and it was this company. So i XXXX it and looked at the reviews. A lot of people are saying its a scam. They all say the same date and and money XX/XX/2018. I never had a XXXX XXXX bill. That year beacuse tv was included in rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Good afternoon, During the Covid19 pandemic my husband lost his job. We are still having problems on making the payments. I reach out to the credit company to reset my payments on XX/XX/XXXX spoke with Employee # XXXX I was advised that the payment will be reset and I will not be responsible for pay for the month of XXXX, meanwhile this was reported to the credit bureau. On XX/XX/XXXX called again spoke with employee # XXXX she advised that the credit bureau has been updated on XXXX ( which until this date the credit score is not reflected ). In addition to that I was told that XXXX payment for XXXX will be reset as well. On XXXX I called again spoke with e # XXXX I was told that there is nothing in the system about the XXXX payment and was advised that the credit bureau was updated on XX/XX/XXXX ( still not showing any changes - my score significantly 33points  went down due to this situation ) Im a XXXX worker it is very difficult for me to spend hours on the phone to resolved this. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TX

Complaint narrative:
The account from XXXX XXXX for the amount of {$1300.00} was investigation and the Credit Bureau removed the account because the information was not valid.. Sometime passed then the account was back on my credit report ... In which it was disputed and removed again. This account not valid. This account has been removed from my credit report then place back on several times.

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 2020-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
1. Misrepresentation about non-interest program made in XXXX and XXXX of XX/XX/2019. 
2. Failed to describe the terms of a program that we enrolled in so that we can properly discharge the debt. 
3. Ignored FDCPA regulations. 
4. Co-mingled separate entities and accounts. 
5. Misrepresented information about credit reporting that had extremely negative consequences. 
6. Bounced the collections between American Express and third party collections teams but inconsistent information regarding debt we are not responsible for. 
7. Ignored two cease and desist requests. 
8. Refused to connect us with their legal department in regards to discussion of unfair practices.

9. Acted with trickery, deceit, and willful ignorance and purposefully evading specific problem areas and failing to honestly respond to questions and communications.

10. Refused requests for any written communications in regards to the debt collection.

11. Refused to review previous discussions with internal agents and third party discussions between collection staff and myself.

Company response to consumer: Closed with non-monetary relief