vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have a credit card with Truist ( before BB & T ) Bank, for my company and my name is on it. 
I did a purchase to XXXX XXXX XXXX XXXX XXXX SC. XXXXXXXX. Then I made a return of some material on XX/XX/XXXX for {$17000.00} then on XX/XX/XXXX I did another return of material for {$76.00} The whole amount I have as a credit is {$18000.00} Usually a credit card at the end of the billing circle they return the money ; no in my case. 
Every month I waited for them to send the money by mail in form of check. 
On XX/XX/XXXX I noticed that The money was not longer from my Credit card Statement. They placed a note of balance refunded. 
XX/XX/XXXX started and I did not received anything on the mail so I called them. They said that the money was in transfer they were not able to cancel that process I need to wait until XX/XX/XXXX. 
On XX/XX/XXXX I called back and complaint they said that they were going to cancel a check they were going to send me and refund the money in 3 business days into the Company 's account.

I called last night again because there is no money in the business account as they said and they said again they are going to process a refund in form of check. 
They have been holding the company 's money for almost 6 months. 
Thank you,

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Why are you indicating that XXXX XXXX # XXXX has no date closed? how is this possible? You also show a blank date of last payment. How is this accurate? In addition why are you showing no date closed? You also show that I was XXXX days late in XX/XX/2021, but show no payment history before or after this month. This can't possibly be accurate or make logical sense. I attached proof of your inaccurate reporting below. I demand that you update this or delete the account immediately according to XXXX XXXX XXXX ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted XXXX on XX/XX/23 to remove this inaccurate address and they said they can. I also sent in a letter with my identification verifying my current and only address.

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 2023-02-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted XXXX  on XX/XX/23 to remove this inaccurate address and they said they can. I also sent in a letter with my identification verifying my current and only address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX I asked Experian to investigate the closed Department of Education accounts, the closed XXXX XXXX account, the closed XXXX account, the three closed XXXX XXXX XXXX accounts. These accounts are not 100 % accurate and have negative and derogatory marks reported to my credit report. Experian did not investigate nor do a proper investigation. My rights are violated and these accounts need to be deleted. I'm providing tracking information and credit report showing multiple errors.

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 2023-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
This is a complaint against the company Coinbase. On XX/XX/2022 I had {$200000.00} removed from my Coinbase wallet without permission. Once I tracked down where the money had been moved to, I was made to believe that the money was being used to mortgage mine and the profits would be available to me on XX/XX/XXXX. I watched as my profit grew and on the XX/XX/XXXX I attempted to remove my profits, another $ XXXX. I was told I needed to add another $ XXXX in order to be able to withdraw not only the profits but the amount that had been stolen initially. I have given them three days to return the money and have seen no progress. I have screenshots to document the entire process including the address that initiated the entire process of stealing my money. Coinbase allowed my money to be taken by the hackers without me ever given permission. I hired a company to track down where the money had gone and they tracked it through to the XXXX XXXX. The institution that was supposed to protect my money decided to earn money from their valuable consumer loosing it. I wasn't even given the chance to refuse this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Each company is showing Inquiries on my report that are false. I have provided proof and the company who sent furnished the inquiries also reached out to them expressing that they should be removed and they have not yet done so. I have contacted each company as well as place a CFPB complaint on this issue and it has not been removed from my credit reports. I have the exact letter from the furnishing company on what should not be on my reports at all. this is hurting my credit and my opportunities! below are a list of the inquires that should be deleted asap. 

Date in question : 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 2023-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Arundina, LLC
State: LA

Complaint narrative:
On XX/XX/2023 I submitted a request for a full payoff on my client 's mortgage loan account to the foreclosing attorneys. That same day, I received a response from the foreclosing law firm requesting authorization or a representation agreement to establish my relationship as the borrower 's attorney. On XX/XX/2023, I responded with a signed authorization from the borrower ( see attached ). This was rejected as insufficient in the following email from the foreclosure law firm ( body text reproduced below : " Good morning, we will need a letter of authorization and/or representation & who you are representing in order to provide these figures. '' I replied again with another written authorization, signed by the borrower and fully in compliance with Louisiana law. Again, the foreclosure law firm refused to provide a payoff figure without being sent a representation agreement. Both Authorizations were valid Third Party Authorization forms that include all information pertinent to identify the loan account and bear the borrower 's signature. 

The repeated refusal to accept a valid Third Party Authorization has hampered my client 's ability to consider options that might avoid the foreclosure entirely, such as a private sale. Without knowing how much she owes, it is not possible to determine if the private sale would be a short sale requiring lender authorization or not. With a sale date less than thirty days away, the delays in recognizing the borrower 's valid written third party authorization constitute a strategy of delay with the objective of effectuating the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: DC

Complaint narrative:
Received a collection notice, but I am a victim of mortgage fraud, and have been out of my home for over a yer. Please see DC XXXX XXXX XXXX XXXX XXXX CA XXXX B and XXXX CA 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 2023-02-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: AL

Complaint narrative:
On XX/XX/XXXX I placed an order via the XXXX app. The items purchased were supposed to be delivered on XX/XX/XXXX, but I never received them. I then contacted XXXX 's guest relation via chat where an agent offered a refund and replacements. I refused replacement because if the original items were not being delivered in time, why would I need replacements. After not receiving my refund within the time frame given. I reached out to both Way2Go Program who handles the card services for XXXX  XXXX XXXX and XXXX. After going back and fourth with both companies, I finally received and email from XXXX guest relations stating that my refund was processed on their end that I should reach out to my bank. After contacting Way2Go, again they stated I should go ahead and file a dispute. I was given a provisional credit about XXXX weeks later. On XX/XX/XXXX, i noticed my account in a negative balance and was told it was due to a reversal of a provisional credit due to a denied dispute. I have contacted both XXXX and Way2Go program who both continue to tell me to contact the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I have a mortgage loan at PNC bank. In XX/XX/2022, a tree fell on my home and demolished it. After informing PNC bank of this situation, they sent out a person from the mortgage insurance department. The insurance department declared it a loss and communicated with me about this. 

I received a check in the mail from the insurance company a few weeks ago and also included was a printout detailing what would be required is I wanted to rebuild. I informed PNC that I am not interested in the rebuild, however, wanted to payoff my mortgage loan balance. 

For XXXX weeks now, I have tried to get my mortgage loan payoff, I have spoken with PNC by telephone, I have visited a local office and called the mortgage department again and again, they won't give me a payoff. The branch I visited is trying to help me get the payoff, they have not received any information either. 

I do not know what to do now, please help me get my payoff and help me resolve my mortgage loan with PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I had XXXX in XXXX of several accounts I had with PNC bank. On XX/XX/23 I got a letter stating that they were closing this account do to inactivity, I called immediately to see if I could fix that by using the account or transferring the money to my saving or checking etc. This was an account I had to save money that I did not want touched I did not know I needed to do something with it. When calling I was told the money would be sent by cashiers check, i was unhappy with this because it's not safe with our current mail system they said it was to late to transfer. I didn't understand how they could do this and I was told they were choosing not to do business with me any longer. I said so are closing the other XXXX account in my household. She said no just this one. On XX/XX/XXXX I called back because I still have not received the check. I was then told by PNCthat they did not send the money to me and they could give me no further information, that at this time they were choosing not to do business with me I have other accounts with my day to day stuff in it. I work my XXXX off to have this money just vanish. No-one is helping me at the bank and won't tell me where the money was sent I owe no-one money All my accounts are in good standing I own my car I have no collection agency calling I don't " know where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: KS

Complaint narrative:
I was provided a prepaid government issued debit card for unemployment benefits from US Bank. Starting in early XXXX without notice US Bank locked this card, which had a significant balance, and requested that I provide a copy of my driver 's license and a " selfie ''. I received a letter on XX/XX/XXXX after the account had already been locked. Unemployment had already verified my information. When I called about my concern that this sounded weird and that my other credit cards and bank did not require this, they told me that they were requiring this from everyone and my other financial institutions would probably start asking for it as well, which they have not! I said that I have had my identity stolen in the past and I was not comfortable with this and asked that my account be closed and send the money back to unemployment - not even me, just the " entity ''. They said that when a card has been locked they can not close an account. The letter I received said that if they did not receive the copy of the driver 's license and a " selfie '' by XX/XX/2023 that the account would be closed and the remaining balance would be returned to the " appropriate entity ''. It is now XX/XX/2023 and the account is still not closed and they have not returned the remaining balance to the unemployment office. I have a working spouse, what if I was single and had no other income?

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Why are you indicating that XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX was 120 days late in XXXX of 2022 & XXXX of 2022. How is this even possible? I couldnt possibly be 120 days late 2 months in a row. In addition, you indicate that the charged off amount is {$0.00} but indicate there is an amount past due of {$22000.00}. How is this possible? You also have left blank the date closed field, this is inaccurate. I attached proof of your inaccurate reporting below. I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX I called in to change my weekly payment of {$550.00} to biweekly payments of {$900.00}. I was under the impression my next biweekly payment would be auto drafted on XXXX. 
To my surprise another weekly payment was auto drafted on XX/XX/XXXX. I called in on XXXX and was told by a banker that my biweekly change was not processes and they asked if I received a letter that I was supposed to sign and mail back. I was told they can not make the change with a signature, unless I make the change online. I never received a letter to sign and the banker I spoke with on XX/XX/XXXX never mentioned anything about needing to sign a cancelation notices and mail it back. 
The Baker walked me through how to change my payments online and I schedule the next biweekly payment to be auto drafted on XX/XX/XXXX. I thought my change was processed and everything was good. 
Then on XXXX another weekly payment was auto drafted from my account. I called the bank on XXXX and the banker advised that I was set up on biweekly payments, but the {$550.00} weekly payment was processed on XXXX because I had to call in XXXX business days before the auto draft to cancel it and I called in 2 business days. The banker I spoke with on XX/XX/XXXX never informed me of this and I was under the impression my next auto draft payment would not occur until XX/XX/XXXX. 
Luckily the 2 unexpected auto drafts did not create and NSF but even so the bank should have informed me of the processes and educate me on what to expect.

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 2023-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I enrolled in a promotion with Citibank. I upheld my part of the bargain, but they have not upheld theirs. They are refusing to credit me XXXX XXXX XXXX miles I am due for participating in this promotion. See attached letter, it explain everything, as well as supporting documents.

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 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
XXXX XXXX  turned me over to Franklin Collection Services for an account opened in XXXX XXXX MO. I have never lived in MO. I contacted XXXX XXXX XXXX in XX/XX/XXXX and requested proof that the debt is mine. They refused to provide any proof and said I must work thru XXXX XXXX. I contacted XXXX XXXX and filled out the web forms and proof of my residency for the past 15 years. I also asked for proof of the debt, such as address of the service, date opened, etc. I have received nothing. I again called Franklin Collection services today, XX/XX/XXXX and they refuse to provide any proof this is my debt. But they have reported me to the credit bureaus causing a huge drop in my credit score. 
Again, if this is my debt I can afford to pay it. But I have no proof of the debt and have no avenues remaining to get this resolved. The total debt is {$430.00}.

Company response to consumer: Closed with explanation