vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Credit 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a Visa credit card through Truist bank which I have had for well over 20 years starting with SunTrust who was recently acquired by Truist. I had fraudulent charges occur on XXXX & XX/XX/2023 which we reported as fraudulent immediately. I received a email from Truist with a case # XXXX instructing me that these charges would be removed and to make the minimal payment for future charges. We always pay the complete balance owed for monthly receipts charged on the card. I have been told by supervisor XXXX XXXX back in XXXX that her goal deadline was 2 weeks after hearing no reply from her I contacted my local branch manager XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  reached back out to our business and told us the same thing they are looking into it. I again called a supervisor on XX/XX/2023 XXXX XXXX she explained she was going to escalate the claim and contact me back in 48 hours which never happened. Once again we have reached out to a supervisor XXXX XXXX on the XXXX of this month XXXX to be told yet again that charges were being investigated and she would once again put in another request for escalation for review. The whole time they are doing these supposed reviews I am being charged processing fees and interest fees on the fraudulent charges in question. XXXX did admit that this was not normal practice. Please assist us as we are a XXXX XXXX XXXX business which needs help resolving this. I have full documentation as well as dates and time lines to corroborate any statements listed above Thanks, 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 explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP
State: IN

Complaint narrative:
I have a bank account that My mother was my payee for my ssi. My grandmother lefted me some money and it was deposited in there. They wont let me get the money out because shes on the account as my payee so I would like a refund of all the money spent because she was never supposed to spend it. And I did not give her permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
Hello My name is XXXX XXXX At the end of XX/XX/2023 I had opened a High Yield Savings Account with American Express. all was going fine, My husband did a couple of money transfer from His XXXXXXXX XXXX account to my Amex account. Suddenly On the date XX/XX/2023 I received a letter from Amex stating that my account is getting closed. Then immediately I called Amex to ask how to get my funds back as the account is getting closed. They told me my husband need to call XXXX XXXX from which the money was transferred, and ask them to RECALL that fund. My husband spoke to XXXXXXXX XXXX, initially they tried to help by RECALLING it. Then we spoke to them again and XXXXXXXX XXXX said the RECALL can not work in this case as the account is already closed. Then again we got back to Amex telling what XXXX XXXX  has told us, and they said that's the only way the fund can be transferred back to XXXX XXXX< I also asked them if they can send me a Cheque to my address, they only kept on telling me to ask XXXX XXXX to Recall, now we also told them that the XXXXXXXX XXXX clearly said they can not Recall as the account is closed but Amex said that's the only way, This was XXXX XXXX with whom we spoke last on XX/XX/2023. I have posted this incident on XXXX as well, after which XXXX XXXX came forward to help us but after XXXX weeks of looking into the matter they said they can't do anything as the account got closed. Today XX/XX/2023 I posted on XXXX again after talking to Amex. I m frustrated and just don't know where to go who can help me, this money I kept for XXXX for My son 's education and now it feels like I am never going to get back. PLEASE HELP ME, if you can... 


Thank you so much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM

Complaint narrative:
I re-submitted a complaint on XX/XX/23 about Citizens Bank depositing escrow surplus funds that are due to be refunded to me. XXXX XXXX from Citizens Bank called me on this same date and left a message for me to call her back. Today, I have called her direct line, emailed her, and called customer service for her to call me back. I have yet to get a response. I am XXXX  to hear from her because Citizen 's Bank owes me over {$11000.00} that by law must be refunded to me. I want to know the status of repayment of this money. I want to know the status immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I had two unauthorized transfers on my checking account at Navy Federal Credit Union. There were two transfers for {$50.00}, totaling {$100.00}, stolen by a person claiming to be my son. My son was XXXX and I have not seen him or spoken to him for almost XXXX years. He also does not even know that this bank account exists. Also, even if he did know about this account, he would never transfer money out of it without discussing it with me first. I told the fraud team at the bank all this information and they called me a liar. They said that the person who took the funds out of my account was in fact my real son and his name was XXXX XXXX. First of all, that is not my son 's name. And second, I don't know anyone by the name XXXX XXXX. No one has ever used this account except me. No one knows about this account except me. The message from the bank said I would need to discuss this transaction with XXXX XXXX. I do not know anyone by that name. And no one has my permission to take money out of my account. The fact that the bank fraud team were denying my claims suggests to me that there are suspicions for bank fraud. I also show that there is someone accessing my online banking from a XXXX computer using a XXXX browser. They are hacking my account. I do not ever use or own XXXX products. This could very well be the same person that fraudulently transfered funds out of my account. I would like to get to the bottom of this fraud claim and have the funds that were stolen fully reimbursed to my 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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. two fraudulent accounts unauthorized identity theft : fXXXX 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

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 2023-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I went to the Wells Fargo on XXXX XXXX just before noon to open an account, as there was an online ad for a {$520.00} bonus for opening an account and depositing funds. 

When I walked in, a XXXX XXXX woman who may have been from XXXX asked me if she could help me. I told her I wanted to open an account, as there was an online ad for a bonus and I had the coupon code. She looked irritated and had me sit down and asked me, did you read the conditions to get the bonus? I said yes. She said, so you're going to have direct deposit? I said no, I'll do the funds transfer. She said, so you'll bring in the amount? I said, no, I'll do an online transfer. She said, so you have the amount? I said yes. Then she told me to sit in another chair because she was busy with somebody else. I walked out. 

Four times she treated me like an XXXX : First, she asked if I had read the conditions ( of course ) ; second for saying, then you'll do the direct deposit? ( Obviously she didn't know there were other promotions going on that don't require direct deposit. ) Third she asked me if I'll bring the money in. ( Hasn't she heard of electronic transfers? ) XXXX, she asked me if I had the amount ( why does she think I don't? ). She was giving me the third degree after I had specifically told her that I had read the conditions and was prepared to transfer the amount. She made it clear that she didn't believe me. What a rude, condescending XXXX. 

So I went to another Wells Fargo at XXXX XXXX XXXX and told a woman I wanted to open an account ; that I had seen the online bonus advertised. She got the same " you're bothering me '' look on her face, spent more time than necessary to see if she had any appointments scheduled, and finally told me to sit down, and she put on a fake smile and said that her name was XXXX. Then she demanded to know what my long-term goals were! I wasn't about to answer any personal questions and told her so. If she wants to check my credit score ( XXXX ), fine. Or my employment. Or my criminal record. But I wasn't going to make small talk with her. She insisted that I answer her questions so I walked out. 

I follow the banking bonuses and have opened many accounts at different banks. But I've never been treated like this. 

It looks like Wells Fargo advertises the bonuses to draw attention, then does everything possible to treat customers XXXX XXXX  XXXX  so they won't actually try to get the bonus. Maybe the bonus comes off the local banks ' bottom lines- is that why they obviously don't want me to open an account? 

I've had three mortgages through Wells Fargo. Won't make that mistake again.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX I submitted dispute letters ( and I submitted a complaint last week but it didnt go through, but I have screen shot that something was submitted ) to ask the CRAs to show me and explain their verification process and failed to and have not responded to nothing at all. The accounts I am asking for the processes are : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX ( separate 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 explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Notice to Agent is notice to principal notice to principal is notice to agent. 


On XX/XX/2023 you received my dispute regarding some transactions and late payments that you and XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 


Please update this account and transaction from my consumer reports : Never Late ( PAANL ) : 1 ) XXXX ( Account Number XXXX ) - XX/XX/2023, Your truly XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-30 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/2023 - I went to XXXX to apply for a " business only '' credit card with no personal guarantee. I specifically said multiple times to the clerk " I did not want this to have any inquiries on my personal credit report. If it did, I did not want the card and to cancel the application. '' She assured me that it did not and would not. Before submitting the report I asked the above statement one last time. She assured me once again then submitted the report. 
She obviously was incorrect and an unauthorized hard inquiry was put on my credit report with XXXX. When I asked the store manager what can I do he told me to contact their bank ( SYNCBLOWES ) and have them send a letter to XXXX for the unauthorized inquiry. Which I did, and was told they would. However, as of now they have not. So I am filing this report as well.

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 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Trying to get through to change the loan repayment date with Nelnet 's customer service is comical. I have been on wait for over 3 hours, and this is not the first time I have attempted to get through. The last time I was on hold for so long I gave up. 

This should be an option on the website, as it was with Great Lakes ( who my loan was with before it was transferred ). I do not know why my payment due date was moved to the XXXX of the month. How does a payment on the XXXX of a month make even a little sense? All I want to do is move the payment to the beginning or end of the month and I do not see why this is a complicated change to make. As stated prior, this should be an option on the website. 

To add insult to injury, I have sent them multiple emails with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, I do not live at this address and i do not have a business at this address. According to the fair credit act 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, 15 U.S. Code 6802 ( b ) ( 1 ) In general-A financial institution may not disclose nonpublic personal information to a nonaffiliated third party Also15 U.S. Code 6802 ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I never received any notification saying that my information would be shared and who verified it? 

These are clear violations of my federally protected consumer 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 explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting 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: CT

Complaint narrative:
REMOVE THESE 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 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

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 2023-10-30 00:00:00
Product: Credit 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: LA

Complaint narrative:
I called American Express and XXXX XXXX XXXX after being released from a hospital to report that I was not aware of my credit card being charged this amount due to a two week stay at a XXXX hospital. First, American Express credited my card ; then they said I would have to pay the {$7000.00} which I have been doing in order for my credit not to be destroyed. I feel that I am being discriminated against by both American Express and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Impersonator tried to open a bank account ( Bank of America ) and trading account ( XXXX XXXX ). Called XXXX and had both applications cancelled by the companies. When checking to see who else I should notify, XXXX advised telling the FTC.

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 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
On XX/XX/23 I had completed a XXXX application in preparation of student loan repayments starting. By XXXX I still had not received any confirmation regarding my application. I called MOHELA and was told that my application was denied due to missing documentation, even though I had linked my IRS account with my application. The customer service representative I spoke to told me I could complete a new application over the phone and would be able to self-verify my income and family size and that it would take 10 business days for my application to be processed. Until then my account was placed in forbearance. 

XX/XX/XXXX I received a letter stating that my application was yet again denied due to missing documentation. I contacted MOHELA again, and was told that the letter was pertaining to my previous application. This customer service representative informed me that I needed to submit additional tax year documentation. I asked why it was needed when I had already linked my IRS account - the representative would not answer my questions. I asked why I was told that I could self verify my income and family size, if they would not accept self verification - the representative would not answer that question. I asked how long it would be before this application would be processed and the representative informed me at least 90 days. And that I would still be responsible for all payments- which exceed {$1000.00} per month- which I can not afford. 

I have tried calling back numerous times for updates on my application, to extend my forbearance until the application is processed, and to ensure that they have received all required documentation. Wait times exceed 5 hours, I have been hung up on and not called back. I can not receive any information regarding my account status, decreasing payments, or extending a forbearance.

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