vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 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: NC

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply XXXX by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2022-01-18 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:
I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Union Credit Corporation
State: GA

Complaint narrative:
these accounts are in violation of my hippa rights. i have contacted this company with no success in legally validating these debts. i would like these accounts removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check for {$2300.00} on XX/XX/2022 in my SunTrust/ truest checking account. They put a hold on the check saying that it was for verification purposes on my side. The law says that no Bank can hold your money longer than six business days the customer service told me that the deposit was scheduled to enter my account on the XXXX of XX/XX/2022 they are breaking 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 2022-01-18 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: DC

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America. Has my accounts, the company is the trustee too my account as trustee and XXXX XXXX is the personal management trustee. Both them been the same. From old owner. XXXX XXXX XXXX .... business estate address in the year of XXXX/XXXX/XXXX ... ... .. XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX they have 3 account for me in the bank for these business. Too me ether owner CEO .or trustee heir executive finance .I am name both employer and employee heir in this issue. ... XXXX XXXX. Has it on file, in the year of XXXX. Public contract filed in year of XXXX, Under address XXXX XXXX XXXX XXXX ga. And filed under address XXXX XXXX XXXX XXXXXXXX ga in year of XXXX, and filed in year XXXX, XXXX XXXX XXXX XXXX ga and XXXX XXXX XXXX XXXX ga, tittle exam on the business and and addresses. Will revill I am beneficiary owner, ,and heir aka employee heir, too all the information in this text. I want CPA accounting too all 3 business account in this text. ... start with addresses XXXX XXXX XXXX XXXX ga, XXXX XXXXXXXX XXXX. And XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX XXXXXXXX XXXX It says XXXX XXXX XXXX. That bank of America is the trustee and XXXX XXXX is the trustee both the same in the issue. A trustee pooling agreement .sign by both party too delivery too me all the good. Which the release date is pass due .too all of this. Also XXXX XXXX and XXXX XXXX. ... XXXX XXXX and bank of America is trustee for me .give me my company deeds and bank account and CPA accounting that is pass due .the IRS is send me my bills .the taxes has not been paid sense XXXX. A legal notice too quit. Not too give me my account. Also .if my account is says executive finance officer heir. Then give me my payckecks .if my account is say owner of all of this then give me my deeds too the company and bank account .also get a hold of the companies attorney so they can contact me and the agent that is listed for the issue too. It is a pandemic out here. I have completed the 22 long years of wait .like the old owner said. It was hard out here too do. ... ... tittle exam from the year of XXXX - XXXX XXXX XXXX XXXX ga. ..I been txt message bank of America on XXXX XXXX They all ready no the issue. ... foward this message too bank of America trustee division .so they can dig up my company account. Bank of America is trustee for me on all the information in this text. Filed also in year XXXX address up too year XXXX. XXXX XXXX XXXX XXXX ga XXXX XXXX... XXXX bank of America just text my XXXX XXXXunder my name of XXXX XXXX XXXX ga XXXXgreen boots on the face. Cover.

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 2022-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEXA Mortgage, LLC
State: NJ

Complaint narrative:
We recently closed on a house and used Nexa for our mortgage. It came as a referral so we were excited to use them. 

Our closing got delayed and during that delay, we were told multiple times to not lock in our rate. 

I attached texts that outline the communication. On XX/XX/XXXX and XX/XX/XXXX at XXXX we were told to wait a few more days until it drops under XXXX. 

On Monday XX/XX/XXXX we were told it looks awfuland was now at XXXX, and we were told she was " def not locking at XXXX. '' We were told by XXXX XXXX that we could have locked in at any time with our mortgage broker XXXX XXXX, which is true, but when your broker specificallytells you they are not going to lock you in at a number, I find it hard that any buyer is going to push back. 

We were then told by XXXX that it was at XXXX and that it was not predicted to go lower. At that time we locked in with under a week until closing. 

We are now paying close to .5 % higher than we would have been if we were given the correct advice and don't feel great about it given Nexa'sfiduciary duties to their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: DC

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a follow up to a previous submission with respect to Spirit Airlines. The CFPB falsely stated that they contacted me for more information. I never received any request from the CFPB for more information. I do not know what information could possibly be needed since no one contacted me about anything. I think CFPB is political ly charged and investigates claims when it wants to based what side of the political fence the issue falls upon. Obviously, this was not the right side this the false claim was made and no investigation occurred. For the record, spirit cancelled my flight and left me stranded in XXXX for 7 days. Spirit never offered or provided any travel voucher or other means of compensation for the matter. The original issue follows to which you alleged a request of information which you did not or at least I never received such request. 

The problem here is with Spirit Airlines which is required to comply with XXXX rules as far as transactions go and FAA rules with the handling and processing of significant delays and carrier cancellations. Spirit Airlines complies with neither. Take for example three confirmation codes as follows : XXXX, XXXX, XXXX. What spirit does which not only skirts the said rules/statutes, it, also, improperly and via irreparable harm places a hold on funds for several days ( in some cases up to 3 business days ) thereby preventing the use of funds, since this is a debit card, not a credit card, and then after holding up the funds Spirit releases the hold and cancels the confirmation code associated with the attempted booking. Now, what is particularly important is that there is a link between Spirit Airlines and illegal monitoring of my internet data, since I I literally watching Spirit Airlines change and modify flight details like price in particular as I am actually walking through the steps to finalizing the booking. And all of this occurs very quickly usually in under a minute. So what we have here is almost like some sort of criminal intent whereas Spirit Airlines is trying to control or override my free my free will by creating impossible, irregular, unreasonable delays, and extraordinarily costs the intent or which is to interfere with my travel itinerary. Then they have the audacity, after trying to scam me, to try and XXXX me more by asking for more money I.e. modification and upcharge fees for their FAA non-compliance. This non-sense with Spirit Airlines is surreal.

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 2022-01-18 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: CARRINGTON MORTGAGE SERVICES, LLC
State: RI

Complaint narrative:
My mortgage recently transferred providers, during this transfer my credit was pulled without my consent and has since dropped my credit score dramatically. XXXX XXXX Ran my credit without my consent or knowledge, I am not sure who this company even is. Since then, my mortgage has not been reported on my credit report and currently has that I do not have an open mortgage account, which is incorrect. I have had a mortgage since 2019 and have transferred providers before with no issue, and no credit was pulled then. My credit score has dropped dramatically, dropping XXXX points, from XXXX to a XXXX. Very frustrated and concerned with the fact that this company got all of my information and then ran my credit without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank currently has an issue where they do not properly perform the " autopay '' feature currently advertised on their website. For my personal situation, I pay my bill on the XXXX of each month through autopay and another statement generates on the XXXX of each month. 
The autopay feature failed on the XXXX with no notice and a new statement was generated on the XXXX showing I had made no payment. Synchrony Bank then sent the statement showing a no payment to XXXX, XXXX, and XXXX. This has harmed my credit while I am currently applying for a loan. Synchrony is currently reviewing the technical issue while I am stuck having to fix their issue. They said they would not reach out to fix their problems with the credit companies and that they will just take the full balance on the following month 's billing.

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 2022-01-18 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: PA

Complaint narrative:
I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All XXXX penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In XXXX, I clicked on a bonus promotion at the CITI 's website offering a bonus of {$300.00} to keep {$15000.00} in their bank for 60 days. On XX/XX/2021, {$15000.00} was ACHed to CITI ( document : XXXX XXXX ). On XX/XX/XXXX, I had not received any emails concerning the bonus, nor was I able to find any information about the bonus in the documents that I downloaded. On XX/XX/XXXX, I initiated a chat within my online account on the CITI webpage, in which I asked that my bonus conditions be specified and confirmed. In the chat, the CITI representative confirmed my understanding of the bonus conditions, which suggested that the chat representative was able to access the promotion details ( screenshot of partial chat : XXXX XXXX XXXX ). If the chat representative had not confirmed my bonus conditions, I would have immediately withdrawn my funds. I met the XXXX deposit on XX/XX/2021 ( document : XXXX XXXX ). I kept the account open through XX/XX/2021. When the bonus was not deposited into my account one week after the date specified by the chat, I called CITI. I was told that no bonus was due to this account because the account was not associated with any promotion code. When asked if they would not honor the confirmation of bonus conditions by the chat representative on XXXX XXXX, the phone representative said " N0. ". Having no reason to continue business with CITI because they provided me false information ( in the chat ) which resulted in CITI 1 ) obtaining an interest-free loan of {$15000.00} for 90 days, and 2 ) continuing with the an interest-free loan of {$10000.00} as I awaited the bonus, I closed the 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 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: IL

Complaint narrative:
Americollect fails to show me what i owe them or my medical provider for. I have asked for proof of debts and have only been told the balance of the current account and that it came from a medical provider, upon checking my credit score it shows 3 accounts from americollect in collections. All are above 350 dollars per account. When I check americollects online sight I do not see these same XXXX collections on my report but a plethira of small collections accounts I supposedly owe to them. I am not sure which accounts are true to me actually owing them, especially since the credit report and there account site dont match.

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