vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Yes Captial One closed 2 of my credit cards because i added my 4 kids as authorized users. once i sent in their ID and ss card they came back and still closed my accounts but later on i applied and they open 2 new accounts so i haven't added no authorized user to those accounts, but the palatium secure card i deposit XXXX XXXX and has yet to receive my XXXX back in a check form. But every time i spoke with a agent they mention it was sent out but today i called now they say that i cant get my XXXX back. I need my XXXX i made on the secure card ending in XXXX. The saying the account is restricted but never made any illegal transaction. They closed it because i email the CEO over XXXX times asking why i cant get a line of increase over the 3 years i been with them then i send the information they ask for they still close accounts. I JUST WANT MY {$200.00} BACK IN A CHECK FORM ASAP OR I WILL FILE A LAWSUIT AND SUE FOR MORE AND ATTRONEY FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX we took out a mortgage on the house we bought at XXXX XXXX XXXX XXXX GA XXXX. We paid on that mortgage until XXXX when we paid the mortgage off. We had the original mortgage with Suntrust Bank in GA ( acct # XXXX ) and it was still Suntrust Bank. 

This year, in XXXX we sold the house in XXXX. When we went to the closing on XXXX XXXX, we were told that we had a lien on the house because there was an open line of credit on the house but they could not tell is we owed money or not. We called Suntrust which is now Truist Bank and no one could find any trace of the original mortgage much less the " open line of credit ''!! We spent the next MONTH and hours and hours of our time trying to get this resolved. It cost us {$88000.00} at the closing!!! This money was held because Truist could not figure out what happened and apparently was not worried about fixing it. We filed a LIEN RESEARCH REQUEST FORM as we were told on XX/XX/XXXX ( the day we closed ) and were told it could take up to a month. On XX/XX/XXXX we spent another 2 hours on the phone with the closing attorney attempting to find out why it had not been resolved. No one we spoke with could find any evidence that it is being investigated. We do NOT WANT this hanging over us. It needs to be cleared up. I can find that we paid the mortgage but the closing attorney said they must not have notified the appropriate local agencies. We are at a loss!

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 2022-10-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX  XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX-XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My original direct student loan was consolidated almost 20 years ago, and I was under the impression it was federally-backed, however it technically became a commercial loan. Because of this, it automatically disqualifies me from receiving student loan relief, even though I received XXXX grants and my low income is within the qualifying limits. I was never given any notification about the XX/XX/2022 deadline to consolidate my FFEL loan to a direct loan, and therefore, could not take the necessary steps that the Biden administration required. It has been 20 years since I graduated college, and have barely been able to put a dent in my student loan balance. I am a mother of XXXX children, in a low-income household. How can I, as a taxpayer, be granted some kind of leniency, or something, anything to help with my student loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XX/XX/2022 I ordered two pairs of sandals from XXXX XXXX, owned by XXXX ; they were charged on my Citi Bank MasterCard # XXXX. I returned both pairs for credit on XX/XX/XXXX. When I saw on my statement only one pair was credited I contacted Citi ; they stated that XXXX received only one pair. I have been going back & forth with Citi numerous times since XXXX. I sent them copies of receipts from XXXX as well as copies of the two prepaid return shipping labels provided me by XXXX. I asked both Citi and XXXX to use the tracking numbers to verify, XXXX related to Citi that they only receied one parcel. Citi states the case is closed. I do not know whether either party used the tracking numbers. So I tracked them myself. I have tracking numbers printed by XXXX  showing that I returned both parcels on XX/XX/XXXX and XXXX received both pairs on XX/XX/XXXX. I have sent copies to both parties on XX/XX/XXXX. I have not heard from either party. I will send you copies of this absolute verification of XXXX 's receipt of both parcels if you need them.Both copies upon return to XXXX on XX/XX/XXXX by " 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 monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft : XXXX XXXX  has fraudulent accounts on my credit profile that need to be removed immediately. I am urgently demanding that the reporting of this information be blocked and deleted immediately. I further affirm that my request to block and delete this erroneous information is NOT being made in error ; nor is my request to block and/or delete this information being made on the basis of a material misrepresentation of fact by me relevant to any transaction by me as the consumer.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft : XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately. I am urgently demanding that the reporting of this information be blocked and deleted immediately. I further affirm that my request to block and delete this erroneous information is NOT being made in error ; nor is my request to block and/or delete this information being made on the basis of a material misrepresentation of fact by me relevant to any transaction by me as the consumer.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
i have this on my XXXX report that i requested a inquire but i was in a XXXX and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I spoke with XXXX, XXXX, and Transunion representatives concerning the potential of bogus accounts being made using my customer data. I implored everyone to delete these accounts since I had no idea how they got there. All three companies advised me on how to keep track of things and fill out an FTC form. On XX/XX/XXXX, I sent my information by ordinary mail. Even though I had filed my letters more than 30 days before since they had been " verified, '' the accounts that were not mine were still shown in my paperwork. This situation bothers and irritates me since it inhibits my family and me from purchasing a property. On XX/XX/XXXX, I contacted the three firms again to see how they could prove that these accounts belonged to me. They suggested me to speak with the debt collectors directly since they indicated there wasn't much else they could do to help me. Every bank that the client called at the same time and referred to me had been phoned incorrectly ; they had no idea who I was or what the accounts were about. An online check was conducted to ensure that I was not mistaken. My buddies advised me to visit the CFPB website. I'm hoping this works since my family and I need need the house we're attempting to buy.

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 2022-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Case XXXX is for the amount of {$580.00} and case # XXXX for the amount of {$1900.00}. XXXX XXXX provides the following statement about Ally XXXX response to his claims : Ally Response - Issued case numbers for investigation, but on a phone call with the Ally dispute team, they twisted my words around. Be advised that Ally Bank would be subjected to California Business and Professions Code 17200 where it prohibits any unlawful, unfair or fraudulent business act or practice which allows restoration of money or property acquired improperly ( Fletcher v. Security Pac. Natl Bank ( 1979 ) 23 Cal. 3d 442, 451 ). Further, you may also be subjected to punitive damages if fraud is proven by clear and convincing evidence ( California Civil Code 3294 ( a ) ), in addition to prejudgment interest on damages ( California Civil Code 3288 ; Alliance Mortgage Company v. Rothwell ( 1995 ) ( quoting Nordahl v. Department of Real Estate ( 1975 ) 48 Cal.App.3d 657, 665 ) ). 

In every contract there is an implied covenant of good faith and fair dealing by each party not to do anything which will deprive the other parties of the benefit of the contract. Sutherland v. Barclays American/Mortgage Corp. , 53 Cal. App. 4th 299, 314, 61 Cal. Rptr. 2d 614 ( 1997 ). A party to a contract breaches the implied covenant of good faith and fair dealing by interfering with or failing to cooperate with the plaintiff in the performance of the contract.

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 2022-10-17 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: CA

Complaint narrative:
Went to apply for a loan and their were 4 hard inquiries on the credit report that I don't recognize or authorize as the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft : XXXX XXXX  has fraudulent accounts on my credit profile that need to be removed immediately. I am urgently demanding that the reporting of this information be blocked and deleted immediately. I further affirm that my request to block and delete this erroneous information is NOT being made in error ; nor is my request to block and/or delete this information being made on the basis of a material misrepresentation of fact by me relevant to any transaction by me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I had XXXX so I wasnt able to work so I was late on my payments I reported it to XXXX  Bank, pnc they still reported it to the credit Bureaus as late I disputed it with the credit bureaus. But they refuse to remove it Under the XXXX act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Three credit companies are reporting inaccurate infomation on my credit report. I sent this letter to all three competes and the onlt remove one or two name that is showing on the report. I would like all name that is not my name to be removed. They are also remorting address that i never lived at. I have never used these names and address that is being reported. Please see the letter below with the correct information. To whom this may concern, I recently retrieved my credit report. I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows This is my legal name XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX CA XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement, utility bill, ID for your verification Thank you for your assistance. Sincerely. XXXX 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 non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
I had taken out payday loans from this lender and paid in full before the final payment installment. On XX/XX/XXXX, I was sent this promotional offer via email : The Promotional Offer ( 4 Interest Free Payment Offer : " As a valued returning customer, you qualified this month for a special promotional offer. Apply today 4 no - interest payments when you make 8 successful regular payments on your next loan. Apply before the end of the business on XXXX XXXX to take advantage of the savings! Apply online by XX/XX/XXXX to receive this exclusive offer! *Only valid on 12 - payment installment loans. 

This was the main reason why I took out this loan and in addition my common-law husband was waiting for his disability payments to come in as he undergoing XXXX treatments. In addition, since I was self-employed, I had taken out this loan to handle operating expenses for my business Had I known about Lendumo bait and switch tactics, I would not have bothered to take out the loan. As scheduled all payments posted to my account as agreed. 

I made a total of 8 payments of XXXX from XX/XX/XXXX through XX/XX/XXXX. Followed by a payment of XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; and XXXX on XX/XX/XXXX. On Monday, XX/XX/XXXX, I received a notice from my checking account that my Lendumo account was closed and that an additional payment of XXXX would not be processed. Lendumo tried to circumvent this transaction and tried to deposit an amount of {$350.00} which XXXX advised me to place a stop payment on this transaction. There is currently a lawsuit which involves Lendumo, so of course, XXXX will not honor any payments from them. Lendumo, on the other hand, put my account in collections and harassed and threatened me in several emails for the next couple of days until I sent them a cease and desist email in which I told them I'm considering filing a lawsuit for the harassment. They wanted me to make a money order which I could not do anyway because I would have to make the money order from my XXXX checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX : Account Number XXXX, XXXX : Account Number XXXX, XXXX  XXXX  : Account Number XXXX, XXXX XXXX XXXX  : Account Number XXXX, XXXX  XXXX BANK : Account Number XXXX, XXXX XXXX : Account Number 1968, XXXX  XXXX  : Account Number XXXX, XXXX XXXX : Account Number XXXX, XXXX XXXX XXXX : Account Number XXXX, has violated my rights. 15 U.S.C 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. ADDRESSES not mine. 
XXXX XXXX XXXX  XXXX, XXXX, La XXXX, XXXX XXXX XXXX, XXXX, La XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX 
15 U.S.C. 1682 Section-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1666 ( b ) : A creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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