vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I don't believe Truist ( formerly Suntrust ) has been applying my payments correctly. My Promissory note for {$110000.00}, XXXX XXXX interest, dated XXXX. It is a XXXX loan ( which I don't quite understand ). I filed for bankruptcy, Ch XXXX in XXXX. I reaffirmed my loan with Suntrust. At the time my balance was {$100000.00}. They lowered the interest rate to XXXX XXXX and the agreement stated that I have to pay {$520.00} for XXXX months, beginning XX/XX/XXXX. Scheduled to end XX/XX/XXXX. I have been made all payments. I know it takes quite some time for mortgages balances to drop because the interest is applied first, but it doesn't seem like my balance is going down. My current balance is {$92000.00}. Meaning over the past XXXX years, I've only paid {$11000.00} towards the principal. I have made all payments, even paying more than the amount due at times. I don't understand how this is possible. I began calling Truist XX/XX/XXXX. At first every representative I spoke with said my account is fine and that it will be paid off by XX/XX/XXXX. Then I explained that in order for this to happen, every payment I make for the remaining XXXX payments would have to be XXXX XXXX towards the principal. Then they research and claim that my loan maturity date was changed to the year XXXX. I tried multiple times to escalate my complaints with Truists. Each attempt has not yielded any success. I feel like I am being defrauded and I don't know how to get help. I have tried with my mortgage company, but I am not getting any answers. They keep sending me letters that don't address my complaint. When I call they say that my account should be complete and paid by XX/XX/XXXX but the paperwork they send through the mail is contradictory. I am worried that they will still say I owe money past the maturity date of XX/XX/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 2022-03-23 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: OH

Complaint narrative:
The credit company has reported to the credit bureaus that I have a delinquent account with them, and when asked to back it up or to take it off the 3 bureaus, they have not responded at all.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The credit company has reported to the credit bureaus that I have a delinquent account with them, and when asked to back it up or to take it off the 3 bureaus, they have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The credit company has reported to the credit bureaus that I have a delinquent account with them, and when asked to back it up or to take it off the 3 bureaus, they have not responded at all.

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 2022-03-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted. 
XXXX XXXX XXXX  XXXX Account number XXXX Date opened Indicates the date an account was opened XX/XX/2011 The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX  ) ] : ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( XXXX  ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

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 2022-03-23 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: CITIBANK, N.A.
State: OH

Complaint narrative:
citicard has reported the XXXX bureaus that i owe {$7600.00} to them, and when asked to show the debt, they failed to do so.

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 2022-03-23 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: OneMain Finance Corporation
State: MS

Complaint narrative:
I have hard inquiries on my report that I have no knowledge of. 

XXXX : One Main financial on XXXX XXXX XXXX : one main financial on XXXX XXXX XXXX : XXXX card services on XXXX 2021 I havent dealt with any of these companies and have not given them permission to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lefkoff, Rubin, Gleason & Russo, P.C.
State: GA

Complaint narrative:
This companyis garnishing my paycheck. I was never served with any paper work of the lawsuit and this suit was filed after the statue of limitation. This veh was repossesed XX/XX/XXXX I only found out about the garnishment through my job advising me on XX/XX/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 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXXI XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to LTD Financial Services to validate the debt they assume I owe to their company. They have been reporting to my consumer since XX/XX/XXXX I never enter into any kind of consumer contract, they could not provide the validate the debt, they fail to report the dispute to XXXX FDCPA Section 807 ( 8 ). This has cause me a lot of pain and agony, do to them reporting toXXXX this on my consumer report This defamation of character, I had to live in a hotel for 2 months with my kids because I was getting denied for apartments it was very expensive and stressful. I had to pay a higher deposit with and find someone to co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
XXXX  XX/XX/XXXX -Merchant called me and pressured me into a travel package. After refusing initial offers, merchant kept aggressively pitching more travel/lodging days in an effort to entice me. The merchant also assured me that there was a XXXX day grace period. Based on this, I initially authorized purchase with the understanding that that there was a full refund policy. I also provided a copy of my driver 's license upon request. 

XXXX  XX/XX/XXXX - Merchant emails confirmation of purchase along with purchase certificate to sign and return back. Upon review, I noticed the terms within purchase certificate of 'non-refundable '. I then called American Express and they said they would monitor the pending transaction and suggested I should try to reach out merchant to resolve directly. 

XXXX XX/XX/XXXX - XXXX called the merchant 's customer service in an attempt to cancel the travel package since I didn't intend to sign the purchase agreement. Customer service noted that requests for cancelation are to be handled via email. I proceeded to request cancellation and obtain full refund. 

XXXX XX/XX/XXXX - After receiving no response, I again called the merchant 's customer service for an update my email request. The merchant indicated to expect refund within XXXX business days back on my credit card. 

XX/XX/XXXX - Merchant sends an email confirmation alerting me that the travel package had been activated upon receipt of signed purchase certificate ( this was forged ). Immediately I call American Express to have them open a dispute over cancelled service. 

f. XX/XX/XXXX - Upon receiving Merchant 's response, American Express closed dispute in merchant 's favor. I again called to have American Express re-open dispute over cancelled service. 

g. XX/XX/XXXX - Upon again receiving Merchant 's response ( assertion of transaction is 'non-refundable ', American Express again closed dispute in merchant 's favor, I requested re-open dispute again over forged signature on purchase certificate. American Express requested recent documents I signed so they can perform signature match which I provided thereafter. 

XXXX XX/XX/XXXX - American Express closes my dispute XXXX last time in merchant 's favor. XXXX of reps said their Identity Protection department decided not to perform signature matching for forged written signature on basis that initial authorization of purchase represented 'full consent '. I asked to talk with their Identity Protection team for further explanation and to answer my questions. I was transferred and also called direct number back but person hung up on me after introducing themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
This debt {$2500.00} from creditor ( XXXX apartment ) at XX/XX/2021 is not XXXX. 

The rent Fee increase XXXX XXXX without any notice in-advance and Oral agree by Apartment XXXX to Move out before lease contract due date ( XX/XX/2021 ) WITHOUT penalty for break the lease contract. 

Follow the Oral agreement to move out on XX/XX/2021 and walk-through with Manager on XX/XX/2021. 

But XX/XX/2021 XXXX XXXX mail collect letter for {$2500.00} cause by break the lease contract ( move out without XXXX days notice ), and Send to credit bureaus cause credit score drop by XXXX point. 

Feel like a trap or was deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I have hard inquiries on my report that I have no knowledge of. 

XXXX : XXXX XXXX XXXX  on XXXX XXXX XXXX : XXXX XXXX XXXX on XXXX XXXX XXXX : XXXX card services on XXXX XXXX I havent dealt with any of these companies and have not given them permission to pull my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
In XXXX I noticed a spike on my credit score and I did an inquiry. On XX/XX/2021, I did a periodic credit report check and found that my student loan account was listed as closed. I'm trying to find out what happened, who reported it as closed to cause the score spike. When I called Navient, they said to me, the account was not closed. I understand that. But what I'm trying to find out, what did Navient or the credit bureau do that caused the credit score spike? Today, when I called XXXX to find out what happened back in XXXX, they couldn't answer my question. Because my student loans were initially XXXX XXXX, I just want to make sure my student loan wasn't one of those account paid off and it's not being reported properly or I wasn't properly informed about the debt being paid off. I wasn't and haven't been satisfised with Navient 's response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received a forward letter stating an account that was opened at Wells Fargo will be closed XX/XX/22 because it didnt match up to an internal/ public records result.

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 2022-03-23 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: OH

Complaint narrative:
citicard has reported the XXXX bureaus that i owe {$7600.00} to them, and when asked to show the debt, they failed to do so.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX  has reported the 3 bureaus that i owe {$7600.00} to them, and when asked to show the debt, they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX  has reported the 3 bureaus that i owe {$7600.00} to them, and when asked to show the debt, they failed to do so.

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 2022-03-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I am a surviving spouse with deferral rights. My loan servicing is being transferred between Champion ( XXXX ) and XXXX  ( XXXX ). I am caught between the two of the awful companies in trying to get a loss draft check paid to my contractor that did {$20000.00} repair to my home. I have provided Champion my information, time and again, and they always need for me to verify that I am the surviving spouse with the deferral rights. It took me months to gather the information, again, that they needed to pay this contractor. Once I that repeated request was resolved, Champion told me they could not issue a check because my account was being transferred the XXXX. 
I called XXXX- they told me they didn't have the funds and it could take 30 to 60 days to get the funds and then issue a check, The contractor is threatening to sue me! I have called the mortgage company, my attorney has called, my friend and I called together. All I get is sorry - nothing I can do. 
I've asked for an escalation- nope, can't do. I asked for a supervisor- nope, can't do. 
XXXX put me on hold for 10 minutes today. I hung up and called back. This time, after demanding a supervisor the attendant read me their script and then hung up on me. 
I just want the contractor to be paid, and without having to take me to court. They have the funds from the insurance company. The check has been endorsed. An inspection was made on the work.

I need help- please help me get this contractor paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
This companyis garnishing my paycheck. I was never served with any paper work of the lawsuit and this suit was filed after the statue of limitation. This XXXX was repossesed XX/XX/XXXX I only found out about the garnishment through my job advising me on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: DC

Complaint narrative:
In XX/XX/XXXX I received a solicitation letter from a company called JFQ Lending saying that my current mortgage is eligible for removal of an adverse market fee. It appeared legitimate and advised me to Please keep a copy of this notice for your records. When I called their XXXX XXXX XXXX number to get the fee removed they started an aggressive process of trying to get me to refinance my loan with a new lender which would result in little tangible benefit to me. They did not, in fact, have any ability to remove the adverse market fee from my current loan. This was deceptive, predatory, misleading, and overall a lie. Thankfully i understood the bait and switch they were pulling and knew better than to move forward but had i not i would have been lured into a product i did not need. I hope JFC will consider adjusting its advertising practices to be less deceptive and stop claiming to be able to remove any fees on my current mortgage. Ive attached a copy of the Notice ( in reality, false advertisement ) so you can see. Thank you.

Company response to consumer: Closed with explanation