vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/2022, my identity was stolen. The identity thief opened an account at XXXX and made purchases. Three of the purchased items were shipped to my home address. The identity thief opened a line of credit for {$15000.00} at CitizensPay to pay for the purchases which totaled {$1400.00}. I stopped shipment of 1 item and a credit was issued for {$960.00}. CitizensPay is billing me for {$450.00}. CitizensPay has reported this debt to the Credit Bureaus. CitizensPay requested and I sent them the following documents 5 different times : Completed, signed, and notarized Identity Theft Victim 's Complaint and Affidavit ; Copy of my driver 's license ; Copy of Florida XXXX and XXXX XXXX for period XXXX XXXX to XXXX XXXX, XXXX  ; Copy of XXXX Police Department Report for Incident XXXX ; and, Copy of Federal Trade Commission Identity Theft Report # XXXX. 
CitizensPay has denied my claim 3 times. Accounts were opened at other banks including one that financed purchases made at XXXX. All other banks have identified these accounts as fraudulent and have closed the accounts. I requested that CitizensPay deactivate the account for {$15000.00} line of credit and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 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 2022-04-05 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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 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 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have had a checking account with Bank of America for years. Recently they had started assessing a {$12.00} maintenance fee against my account. I don't log into my account frequently so I only noticed that they had done that when I was trying to make a payment yesterday and I didn't have enough money to do so because they had hit me with 5 maintenance fees of {$12.00}! It is ridiculous that BOA assesses these fees when there had been no activities in the account and also they never notified me of this monthly fee. I don't even get statements! I know I should have logged into my account sooner but I didn't realize my account will be robbed by the very institution that I placed the trust. I am asking BOA to reverse those fees that were not disclosed to me.

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 2022-04-05 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Charge XXXX I contacted the company to file a dispute for the amount and the fraud team stated I did the transaction when I never left the house. Wallet was inside my apartment and they stated the special chip shows it wasnt a counterfeit card. They said they can not reopen the case because their evidence shows that I used my credit card. Which is impossible because I never left my apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXXXXXX XXXX is furnishing. 

I sent a Dispute letter dated XX/XX/2022 with a green return receipt. To no Avail LIST OF INNACCURACIES FOUND ON IDENTITY IQ CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX XXXX  was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

I sent a Dispute letter dated XX/XX/2022 with a green return receipt. To no Avail LIST OF INNACCURACIES FOUND ON IDENTITY IQ CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXXXXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXXK complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a checking account with Truist Bank on XX/XX/2022 at the branch located at XXXX XXXX XXXX XXXX, FL XXXX with XXXX XXXX XXXX I emailed XXXX XXXX two forms of documentation to verify my address and I also provided her my passport in person to verify my identity in order to open the account. On XX/XX/2022, I called and opened a savings account over the phone. Shortly after doing so, I deposited XXXX into my Truist account. On XX/XX/2022, I tried to use my debit card and it kept declining. I called Truist and that's when I was told my account was closed because I didn't verify my address, even though I know I did that when I initially opened my account in the branch. This bank has done nothing to help and now my money is being held and I have no access to it. If it isn't rectified through these complaints, a lawyer will be getting involved XX/XX/2022

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 2022-04-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
I was behind on my mortgage payments, on XX/XX/XXXX I called Freedom Mortgage and asked what the total due was to bring my account current. I was given the amount {$14000.00} ( this was the amount on the XX/XX/XXXX monthly bill ) which is what I paid. I also received a new bill on XX/XX/XXXX which I disregarded as I was told I was paying everything to bring my account current on the same day. My monthly mortgage payment is {$1500.00} going forward. I made another payment of {$780.00} on XX/XX/XXXX to break up the mortgage payment so I could continue to stay current. I just received my XX/XX/XXXX bill with the total due of {$1900.00}, this includes my monthly mortgage payment and also {$390.00} in " unpaid late charges ''. I contacted Freedom Mortgage today XX/XX/XXXX as I was confused how I could owe {$390.00} in late fees when I was told on XX/XX/XXXX that to bring my account current I needed to pay {$14000.00} which I did. I was told that the " unpaid late charges '' don't get paid due to how the payment hierarchy is and that they will become due at the end of my loan ( or when I pay my loan off ). As a consumer I am not understanding how Freedom Mortgage can be false/misleading regarding " unpaid late charges ''. If I was past due for half of XXXX into XXXX how are not ALL " late charges '' showing on each bill or factored in when bringing your account " current ''? From my understanding these " unpaid late charges '' are not being paid until the end of the loan, if that is so why are they showing on my current bill that is due in XX/XX/XXXX? I am struggling as it is to make my mortgage payment, Freedom Mortgage needs to provide accurate billing, how are " unpaid late charges '' being added after you bring your account current. When calling to inquire about the " total due to bring the account current '' why would " unpaid late charges '' not be included in that?

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 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 2022-04-05 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: MO

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 XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I graduated from school at the end of XXXX and have been employed by the XXXX XXXX  since XXXX. XXXX XXXXNavient serviced my FFELP loans and I dutifully made payments until XXXX. There have been several times I sought information about loan repayment options, but was never told I had to consolidate my loans with the FedLoans in order to be eligible for the PSLF program. The options I was offered all carried higher interest rates and longer repayment terms. When I spoke with someone at XXXX about loan forgiveness, they told me I would have to consolidate my loans with them and then make another 10 years of payments in order go qualify for debt forgiveness. It was heartbreaking, but I went ahead and consolidated in XXXX of XXXX. 

When the PSLF was expanded, I jumped on the opportunity and was initially turned down. Later, I received a letter stating that my remaining debt was forgiven which was great. However, I made well over 120 payments that qualified for forgiveness but can not get refunded my overpayments because I had not consolidated sooner. I did not know this was an option or even a possibility. If I had known, I absolutely would have jumped on the chance to have my debt forgiven. It seems absurd that my payments toward loan forgiveness count, but only count up until they reach 120 and after that, I was just throwing money away. I know you deal with much bigger issues, but this just seems very unfair. Is there anything that can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am currently trying to pay the balance of {$360.00} Plus {$1.00} interest Plus {$10.00} Recording Fee on my mortgage directly from my checking account. While this number is higher than the amount I calculated by roughly {$140.00}, I understand that I will need to sue Truist for those funds plus court costs and my time ( not to exceed {$10000.00} per statute ). There should be no difficulty in accomplishing my goal EXCEPT Truist is an obstacle to paying-off my mortgage. Please explain to my why a payment from my checking account is not allowed given that every payment I've made in 13 years has been through transferring funds electronically.

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 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
XX/XX/XXXX : I opened the VanillaGift card for the first time. I went to VanillaGift.com to verify the card balance before using, the balance was XXXX so I then called the customer service number ( XXXX ) XXXX on the back of the card and a XXXX balance was stated again with a charge history of {$5.00} for which I took was the activation fee charged when purchased by Hype Roofing and Construction. After reviewing the cardholder instructions, it stated to Select any 4 digit PIN at first use. The card was given to me in XX/XX/XXXX by the Owner of XXXX XXXX and XXXX as a gift for installing a new roof. 

XX/XX/XXXX : My first attempt using the card was at XXXX in XXXX, TX where I tried my 4 digit PIN with no success. Called customer service found 30 charges @ {$5.00} each for XXXX XXXX had posted against the card in XX/XX/XXXX but I explained, I'd just opened the card on XX/XX/XXXX. 

XX/XX/XXXX : I filed Dispute, Case ID / XXXX and received email confirmation. Called XX/XX/XXXX and customer service says they have no record of Dispute, faxed same documents the same day. Called week of XX/XX/XXXX to verify status and was aked to call back on XX/XX/XXXX due to no status available. Called XX/XX/XXXX and was told to wait a few more days and call back. Vanilla Gift 's Dispute timeline for resolution is 90 days from the date of receipt. Original Date of Dispute was XX/XX/XXXX and 90 days from there, XX/XX/XXXX. Its now XX/XX/XXXX with No resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FB FINANCIAL CORPORATION
State: PA

Complaint narrative:
I sent a PMI cancellation request via email on XX/XX/XXXX. The company auto-replied that it will respond within 30 days. A month passes without a reply or resolution. I called in on XX/XX/XXXX. Customer Service said they can not transfer me to the PMI department nor could they provide direct contact info. They advised they will put in a request for PMI dept to call me back within 48 hours. No one called back. I called in again on XX/XX/XXXX. It was the same situation. They validated the phone number and could not transfer me to the PMI department. The supervisor did not allow a transfer request. 

To my knowledge, they must respond within 30 days to request for more information or to deny my request. I did not get any request for more information. It is my understanding that they can not deny my request at this point without being in violation of the Homeowner 's Protection Act.

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 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I live in California, was on a vacation in XXXX, Tennessee. During my time there ( XXXX ), my card was charged for Gas in the amount of {$26.00} with the location saying " city, Florida '' XXXX XX/XX/22. I have never been to Florida, I don't know anyone in Florida, and have never given my card number or authorized anyone to use my bank account information. When I contacted Chase, they filed a claim and reimbursed the funds. A few days later on XX/XX/22 they then sent me a letter stating that after investigation they feel that the charge was valid and authorized. It makes no sense that I was in Tennessee, and all my charges prior to and after that Florida charge were in Tennessee. They said the extent of their investigation was that the PIN number was correctly input on the first attempt, and that they can't reverse it. Due to the fear of my account being compromised, I withdrew then entirety of my funds. I also received an email with an invoice that someone from New Mexico ordered personal checks with their name and address information on them from XXXX, Chase 's check company partner, with my bank account information on it. This tells me that my bank account is completely compromised, and Chase is doing nothing to help me resolve the situation. There is no safety and security from Chase in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: SC

Complaint narrative:
I disputed harmful and damaging fraud items contained in my Transunion credit report. I sent them my FTC ID theft report and DL along with a formal request letter requesting those items be blocked/deleted pursuant to section 605b of the FCRA. Transunion continues to report these items as verified. This is a violation of my consumer rights under identity theft. The act of willful non compliance to this matter is steadily causing me damages. I submit this complaint in attempt to correct the wrong

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 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: CA

Complaint narrative:
I received a letter dated XX/XX/22 from XXXX XXXX and I gave the a call asking for a debt validation. I was told that in order to send this out I needed to provide the last for of my SSN or my date of birth after I gave the ref # to them. I called again on XX/XX/22 a at XXXX after calling more then XXXX times and each person I spoke with told me that is needed to provide this information to them in order to validate. I sent them a letter on XX/XX/22 asking to verify this debit as well. They are listed as the buyer if this debit on my credit report as well on XX/XX/22 after they sent me the letter on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CT

Complaint narrative:
Sallie Mae Bank has been harassing me via phone. Im unable to pay my monthly payments due to financial hardship that started with COVID. I have reached out to them multiple times, each time they say they will work with me to come up with repayment options and each time they review my account they tell me there are no options. I do not understand why the phone calls continue if there are no repayment options that I can manage. They refuse to lower my monthly payment. Now theyre calling precious employers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief