vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have banked with Suntrust Bank for years and have always had the free checking and savings account. Now Suntrust and BB & T Bank have merged and has now become Truist. So now my checking and savings account has transitioned over Truist accounts. I see that my savings account was transitioned over to some type of money market savings and I was charged a {$7.00} maintenance fee XXXX XXXX. I didnt get any notifications of these charges or fees nor did I even agree to this type of account. I dont want any account that I got to pay {$7.00} a month for. I called customer service on XXXX XXXX and ask about this account, the charges, a refund for the {$7.00} etc. All they did was transfer me to department after department with no help of concern. And to add insult to injury XXXX of the customer service representatives had the nerve to tell me in order to avoid being charged another {$7.00} that I would have to deposit {$1000.00} into that account, after I had already stated that I was on a fixed income and that I didnt sign up for this money money account with this maintenance fee.

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 2022-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I applied for a FHA mortgage loan on XX/XX/XXXX with First Mortgage ( First Bank mortgage division in XXXX XXXX ). The sale was first supposed to be a shortfall but that fell through ( I was not informed of this by the bank ). In XXXX close to the closing date I called the closing XXXX to ask about my case. That person told me that she was on vacation and what was she supposed to do. The bank contacted me to close on XXXX XXXX  XX/XX/XXXX. We even scheduled the closing for XXXX pm. After that call, like XXXX minutes after, the bank called stating that there were some documents missing for the closing. Documents that bank had in their records since XXXX. Radio silence until XXXX when the realtor handling the sale on behalf of the sellers called me asking what was the status of the closing. I called the bank and was informed that since a lot of time had passed since XXXX the process expired and had to be started again. I lost money ( apartment appraisal ), time and even points in my credit report for nothing. I decided to continue ( start over ) the process, with a new closing date of XX/XX/XXXX. I paid for a new appraisal, again lost points on my credit report and as of today XX/XX/XXXX my loan is in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/2022 I applied my credit for a loan online through Navy Federal Credit UNION. I was immediately denied for whatever reason. I called XXXXXXXX XXXX,2022 and spoke with a spokesperson asking why I was denied my own credit. She said that its an overall review of my credit ( which I have good credit, 100 percent payment history etc ). But what law states that Im subjected to a score? Under the U.S. Code law, the powers and duties of banks are Borrowers and I should never be denied my own credit. Banks take my information and sell it without my consent. No consent is identity theft! I am the original creditor because I am the only one who can extend credit. Again, I am the original creditor!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I was contacted by a third party student loan debt department located in California so they say called XXXX XXXX. They offered to consolidate my student loan debt and take it off of my government approved loan provider. It sounded promising at first and desperate as I was to help myself with my {$15000.00} debt of student loans I signed some forms and was willing to pay a starting fee of {$150.00} for them to begin a process to put me in a repayment program. This was done yesterday. They changed my password for my fasfa and I was currently waiting approval. This morning I did a little research on the company and a majority of what appeared was about debt scams and one of the red flags people talked about was an upfront fee of {$150.00} just like they offered to me to begin. I contacted my loan provider Great Lakes this morning and they told me that the repayment plans they offer are free and it was most likely a scam. My fasfa has a lot of my personal information in the system so I changed my id and password. I contacted my bank and notified them that once the {$150.00} is charged Ill contact them again to stop payments to whatever provider is charging me. I feel like these student loan forgiveness programs have been trying to catch me since 2016. They all say their companys are located in Cali. Some offer to transfer you to a representative once they have basic info but this one handled everything by himself. Bashing any known and certified government loan provider that they will help you benefit more than others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-03-30 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: PA

Complaint narrative:
XXXX XXXX is XXXXiolating1692c i have not given written permission to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my report. They are also inaccurate violating 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: PA

Complaint narrative:
XXXX XXXX is violating1692c i have not given written permission to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my report. They are also inaccurate violating 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 explanation
Consumer complaint received 2022-03-30 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: MI

Complaint narrative:
I received mobile alerts on my phone that said Inquiries have been added to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2022 I have not authorized anyone to pull my credit file.

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 2022-03-30 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: LEXISNEXIS
State: PA

Complaint narrative:
Lexus nexus is in violation of 15 usc 1682c they do ont have my written permission to have or furnish a report on my consumer transaction, addresses, name spellings etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There are five invalid transactions showing on my bank statement and I would like to get it fixed as soon as possible. On XX/XX/XXXX, {$20.00} was deducted for American wager XXXX NY, which I am completely unaware of. Second transaction occurred on same day, it was {$5.00} deducted for XXXX XXXX Third and fourth transaction took place on XX/XX/XXXX. It was {$25.00} that was deducted for XXXX XXXX XXXX XXXX and {$5.00} was detected regarding XXXX XXXXs. Last but not least, today a new transaction occurred for XXXX XXXX  and it was {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Greetings, I am writing to let you, CFPB know, that on XX/XX/2022 at approximately XXXX pm, I XXXX : XXXX, beneficiary entered into Ashley Furniture in XXXX, CA for a consumer credit transaction as I am in dire need of a bed mattress. The finance company is Synchrony Bank credit card services with reference number # XXXX. As I committed to my end of a contract, I provided the SSN associated with my Estate, and I was denied an extension of MY credit, which is unlawful. This is now going to result in a hard credit inquiry on my account without an account attached, which is a violation of my rights as a consumer. Please address this matter immediately with Ashley Furniture. The bank used for this credit approval is Synchrony Bank.

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 2022-03-30 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: NC

Complaint narrative:
The credit beaurues inolved are inaccurratly reporting my XXXX XXXX XXXX Account. The Account number is XXXX. I have had a repossession and it was reported to my account and I had a decrease to my credit score. However, XXXX XXXX XXXX is now reporting missed payments and keeping the account open wich is having a negative impact to my credit reports ( XXXX and Experian. XXXX XXXX is also in vilation of The CARES ACT. It is not okay for the credit beaurues mentioned to keep reporting fals information. I do not own the veichle and kow that is has been sold, XXXX XXXX is trying to double dip and continue to inpact my credit wich is very wrong. The credit beauties need to start reporting accurate information or completely remove this account as it is in violation of The CARES ACT and is causing harm to my credit report for the last 9 months. It is oreventing me from purchasing my new home.

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 2022-03-30 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: NC

Complaint narrative:
I checked my Equifax and noticed a collection that did not belong to me. The collector was XXXX XXXX and the original Creditor was progressive. I called proggressive and it was verrified by an agent that this collection was not mine. There is an accont with similar Information but not my account. I contacted the mixed accounts department with Equifax and they did not do anything about this matter. I had XXXX points deducted from my credit profile for an account and hard inquiry that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have rewatched out to all credit bureau about disputing items. XXXX and XXXX have Deleted numerous of things that could not be verify but experian has everything on my credit report as negative and five of them are actually in good standing. Experian never verified any documents stating that those accounts belong to me. I sent experian certified letter after letter and they will not fix this problem.

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 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with 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 2022-03-30 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: CBC Companies, Inc.
State: PA

Complaint narrative:
XXXX XXXX is in violation of 15 usc 1682c they do ont have my written permission to have or furnish a report on my consumer transaction, addresses, name spellings etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: ID Analytics, Inc.
State: PA

Complaint narrative:
XXXX XXXX is in violation of 15 usc 1682c they do ont have my written permission to have or furnish a report on my consumer transaction, addresses, name spellings etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: MS

Complaint narrative:
I have made several requests to have incorrect name spellings removed from my report I have made several requests to have incorrect addresses removed from my credit report. 
I have made several requests to have alias and alternate name listings removed and they remain. 
Errors have not been removed

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 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
My identity was stolen from a women what found my information at a hospital. Instead of returning it, she imposed as I for 3 years until she was caught. I sent all 13 pages of the police report to XXXX, XXXX, and XXXX. I also sent it to all of the accounts that were fraudulently opened. 
Yet, 5 years later 2 companies XXXX XXXX XXXX and XXXX XXXX are still trying to have me pay the debt l didn't accrue. 
XXXX XXXX XXXX reps are terrible. Threatening to call all hours until the debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Spoke to a representative for POrtfolio recovery, they are not able to provide me with any validation saying I owe them {$1200.00} I Have not received any previous mail from them., nor am i aware of what this debt consist of. 
I also asked for them to remove this from my credit report until further information is provided to me to validate, and they informed me they are not able to assure they can do this, making it a violation on my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
The school that I received my loan for was XXXX XXXX, which longer exists. I graduated in XXXX, and by XXXX they had closed. They never received their credentials, which backed our degrees that we earned. My particular degree program- XXXX XXXX was completely dropped not long after I graduated. Part of the reason I agreed to attend this school was its promised of continued education as well as their credentials. 

see one of many links below. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I made a purchase with my American Express card, for a vacation package. The date of the purchase was XX/XX/2022. The price of the package {XXXX} flight and hotel combine together. Unfortunately the flight was cancelled by the airline. On the date of travel. Citing issues with the airplane. The agent at XXXX ticket booth ensured me that I would get a full for the ticket only with 7-10 business. When I contacted the hotel they were giving me the run around which prompted me to file a dispute with my credit card American Express. The biggest mistake of my life. It has been an uphill battle getting this issue resolved. American Express will credit my account then reverse. This is a dispute nightmare. XXXX claimed that they attempted to refund me back my money but because I dispute the charges. Granted I was only trying to dispute the hotel charges. American Express took upon themselves to chargeback the entire amount. Causing XXXX refund to kickback. Then American Express turned around and refuse the chargeback. American Express is by far the worst credit company known to men. And I honestly believe that there needs to be an investigation on their business practice. This is the second complaint file with your agency regarding this matter with American Express. They will issue a XXXX apology give me a temporary credit then reversed the credit a week later. With no valid explanation. At this point something has got to give. I will include copies of the live chat conversation with XXXX to support my claims. But knowing how American Express does their dispute it really doesnt matter. Im only filing this complaint as my last resort. Before seeking legal counsel. Because American Express is not following their purchase protection claims policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30 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: LEXISNEXIS
State: TX

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX XXXX XXXX  Please remove this bankruptcy from my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: DE

Complaint narrative:
I made a purchase of XXXX XXXX  mouses on XXXX  on XX/XX/XXXX but I never got them. I contacted the merchant a month after the purchase date but the merchant said they can do nothing because it has been over 30 days and ask me to file a claim with my credit card company. And I did that on XX/XX/XXXX. However the merchant used the XXXX  tracking information of another order which was placed on XX/XX/XXXX on my account to prove that the order was delivered. Citi just didn't look into that and denied my dispute. And I am not able to file the claim again. I am so upset about how the merchant and citi bank treat their customer in such unfair and careless manner

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 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, I am a citibank priority account holder. I closed my account on the XXXX of XXXX in 2022 and the representative told me the balance check will be mailed out and I will receive it within XXXX business days. As of today, I still haven't received the check yet. The remaining balance is {$41000.00}. I have contacted them via online chat and phone calls many times to request an update and no information provided from them. Address was verified multiple times. I don't believe my check is issued and sent by mail.

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