vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-26 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: SC

Complaint narrative:
Compliant # XXXX refering to Experian was not a duplicate of another compliant. I check every Experian complaint. I was not notified of the " duplicate compliant number either. As I stated, Experian deleted the XXXX XXXX account 3 TIMES and did not notify me as the law requires a credit reporting company to do. Law 15 U.S code 1681d. I request a reinvestigation and want to know why Experian violated the LAW 3 TIMES. Law 15 U.S code 1681d state that after a investigation a consumer must be notified. I WAS NOT NOTIFIED that XXXX XXXX would be put back on my credit report 3 TIMES. Read Law 15 U.S code 1681s-2. I CLEARLY states that a furnisher CAN NOT furnish information if they are notified by the consumer. I have dispute this account with XXXX XXXX several times. I have attached my Experian online credit report document as proof Experian has deleted this account 3 Times and it is still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc.
State: GA

Complaint narrative:
HIRE RIGHT HAS CAUSED ME TO LOSE THREE JOBS. THEY CONTINUE TO REPORT THAT I HAVE A WARRANT IN ANOTHER STATE AND I DO NOT. THEY USE ONLINE TOOLS WHICH IS WRONG TO REPORT WRONG INFOMATION. I HAVE WENT TO THE POLICE STATION ON XX/XX/2022 AND THEY DID A NATIONAL SEARCH AGAIN AND THERE IS NO WARRANT NO PLACE IN AMERICA. I HAVE TRIED TO WORK WITH HIRE RIGHT AND THEY KEEP LYING SAYING THEY VERIFIED. BY LAW YOU HAVE TO ACTUALLY GO TO THE PHYSICAL PLACE AND SHOW WHY YOU HAVE INTEREST AND SHOW YOUR DRIVERS LICENSE. THEY HAVE NOT ONLY DID THIRD PARTY INQUIRIES INSTEAD. THEY CONTINUE TO REPORT WRONG INFORMATION. WHICH IS AND WILL CAUSE LEGAL ACTIONS AGAINST THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
In XX/XX/XXXX venmo notified me by email that a payment on my account of {$200.00} from XX/XX/XXXX was being disputed. About a week later they froze my account, took my {$60.00} balance and said I can't use my account until I pay them the rest, {$140.00}. After emails and calling many times over the next 2-3 weeks I finally got the name of the person who made this payment to me 4 years ago. I reached out to her per venmos instruction and she told me she did not dispute any payments, nor does she have the same accounts or access to a refund from 4 years ago. Venmo said my dispute was closed and my account would remain frozen until paid in full. They stole my {$60.00}, and are demanding I pay them money that nobody asked for. I have copies of the emails for proof of how poorly they handled this, the last time I called this week they said they couldn't do anything else but reopen my dispute case, but there was nobody that could help me over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-26 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: LA

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: MS

Complaint narrative:
In XXXX we purchased four lots of land cash, with the intent to have a house put on it. On XX/XX/XXXX we took out a loan using the land as collateral to make some improvement to the land. On XX/XX/XXXX, I obtained a loan to purchase a manufactured home. Me and my wife fell on hard times in XXXX. On XX/XX/XXXX I tried to do a loan modification through the XXXX program, and it was denied due to it being a manufactured home. Because of this we had to file for bankruptcy, during the meeting with the creditors 21 Mortgage would not come to an agreement with us and we have been trying to work out an agreement but have been unsuccessful. I have tried several avenues to work with 21st Mortgage but they have rejected each one. As of XX/XX/XXXX our home has been reclassified as a residential home and therefore should qualified for the loan modification. On XX/XX/XXXX my husbands attorney XXXX XXXX sent XXXX a letter giving them authorization to communicate with 21 Mortgage on his behalf, which I have enclosed. XXXX tried to contact 21 Mortgage to do a loan modification and they declined, stating the house and land was in foreclosure and could not be stopped. On XX/XX/XXXX @ XXXX XXXX tried contacting them again after my bankruptcy was filed, to request them to reopen the case for further review into a loan modification and they declined, stating they would not reopen the file without court order. XXXX has advised us to file a complaint with the Consumer Financial Protection Bureau, because 21 Mortgage is not acting within the law. 

On XX/XX/XXXX, I requested my bankruptcy attorney get a payoff amount, and he was unable to do so. I received a letter on XX/XX/XXXX informing me the house and land was in foreclosure, which only gave me 28 days to act. I contacted their Attorney for the payoff amount for the land only and they said I have to pay for both the land and the house, and this was my only option. Now, the original loan obtained from XXXX XXXX was for the land only in my wife, XXXX XXXX 's name, and my name XXXX XXXX as a co-signer. This current loan through 21 Mortgage does not have my wife 's name on it at all, according to the mortgage statements and the account managers at 21 Mortgage it is in my name only. According to my Attorney both loans have been combined, my wife 's name has been removed and there is nothing I can do about it. This has been a horrible experience for me and my family and I am trying to save my home, my land or both. Thanks for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Social Finance, Inc.
State: MD

Complaint narrative:
I had a private student loan with XXXX. I requested SOFI to re-finance the XXXX loan. SOFI did. SOFI then over-paid XXXX by $ XXXX on XX/XX/2022. 

XXXX claims they have since re-credited SOFI with the $ 7,000+ check. SOFI claims they have not received it and have no obligation to hunt the check down. Meanwhile, my student loan balance with SOFI sits at $ 7,000+ over the real amount due. 

SOFI also states that they will do nothing about having not received the check for a least two months since the refinancing happened - i.e. two months since XX/XX/2022. In the meantime, I do not have over {$7000.00} that rightfully belongs to me. I feel robbed without recourse. 

Do not let loan servicers who refinance sit on money that is not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: LA

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company

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 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have spent over 40 hours in last 5 months in person and on the phone but still unable to locate my {$570.00}.

Chase has given me proof of payment, but the merchant bank claims that does not prove they received it.

Amount : {$570.00} My bank : Chase Merchant bank : XXXX XXXX XXXX  Date sent : XX/XX/2021 XXXX : XXXX at XXXXI 've sent an electronic bill payment online to my HOA and the it shows debit on my account and the HOA merchant bank claims they never received the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I have had troubles with Truist bank before and am planning on removing my money. They won't let me take my money out without my ID which I have lost. I have a photocopy of my ID but they stated that was not good enough. 

I went to the bank on XXXX to get a notary signature on a paper to get my birth certificate. The XXXX woman with an IQ of XXXX stated without an ID she could not sign the paper. I stated the photo copy was good enough or I could bring someone in to verify the person on the paper was me. She stated no and said I was disrespectful. I got very angry as I know she was lying. There were other customers in the bank. This is what I hear, fill out this form for fraud ( no help otherwise ), go to another bank for help. I know this bank has fallen to XXXX out XXXX stars. My point is the customer service is XXXX. Every time I go there there are new tellers who do not take time to get to know their customers. In Florida my photocopy is good enough to get money out of my account and get a notary as well as bringing someone with me. To be told No I can't help you by some one with no college degree and not from this country is aggravating. I have my XXXX and know the law. The bank has broken it and I assume are making up their own laws. The arguments of the other customers were hostile. I told the XXXX manager she did not know what disrespect was and that she was lying and that I was notifying the authorities. She was very angry towards me. What I want is college educated people who follow the laws. I asked her how I could get my ID if she would not sign the paper to get my birth certificate to get my ID. She stated she needed the actual ID. I don't think she got the illogic of the gesture on her part.

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 2022-02-26 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: DISCOVER BANK
State: NY

Complaint narrative:
" XXXX '' card has been reporting to my credit report for XXXX and XXXX since 2019. 
First off, its fraudulent. Next issue is ive since many times reported this company directly, reported them to fraud, multiple disputes fraud alerts. Filed a police report with them through XXXX. They finally closed the account and left it in negative/derogatory status.Leaving me with many missed payments or late. Also still sending payments and reporting to my bureaus even after being closed because of being opened fraudulently and also closed as chargeoff instead of never being open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I called the company and made the problem known. The person filled a report and someone emailed me said they were working on it. Thats as far as its gotten. My account is still frozen and Ive not had any further contact with Credit Karma and the problem still prosiest. Im livid over this never thought Credit Karma was unsafe but now I see they are criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: PA

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX  XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.

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 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I've been managing my three accounts ( one checking, two savings ) online using my personal computer for many years. Despite many attempts, I have been unable to log-in from XX/XX/22 through present ( XX/XX/22 ). I discussed the issue with my local branch on XX/XX/22. The rep did some checking and had me try to log in using different browsers, to no avail. He stated he'd advise XXXX, who would work with me to resolve the issue. I never heard from XXXX, and called the branch again on XX/XX/22. Rep stated there was nothing they could do and advised I seek help from corporate customer service, which I did on the same day. That rep researched the matter and reported that there was a known issue concerning browser compatibility ( affecting various browsers, not just the ones I'd tried ). She stated she could not provide an estimate of when the problem would be resolved, and advised that I simply keep trying to log in each day. 

To date, I've been denied online access my accounts for at least 8 consecutive days, which has prevented me from transferring funds electronically, confirming automatic deposits and payments, obtaining documents, etc. Researching online, I found that many other customers of this bank have also experienced long-term lockouts to their accounts. XXXX XXXX XXXX XXXX XXXXfifth-third-bank ) I find this matter to be a breach of the bank 's responsibility to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a simple savings account with Capitol One, and have had it for over 20 years. Just savings. I transfer money every month from my main credit union into this account. It is an emergency savings account. 

I can not access the account now until I tell Capitol One what my salary is and if I am employed. ( I am gainfully employed full-time. ) It is an overreach for them to ask this information from a customer that only has a savings account! I do not have any loans or credit cards or checking account with Capitol One. This is an overreach. 

I can not get into my account now! I need to transfer this money to pay some bills. 
This is an outrage. I will probably have to close this account and just stop dealing with Capitol One, but how can a bank demand to know my personal income when I have not asked them to loan me any money? It's wrong and an overreach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I have a checking and savings account with Bank of America. There was apparently some fraud on the account and my checking account balance, online, showed a negative balance of {$880000.00} -- this goes back to XX/XX/XXXX ( see attached ). I have some medical issues and was in an out of the hospital and when I was finally discharged for good XX/XX/XXXX, I was unable to access any funds on all, despite having a monthly direct deposit from SSA for {$1200.00}. I called Bank of America and filed a fraud claim. And waited, unable to access any funds. And waited and waited and waited, and am still waiting ; to my knowledge, that remains unresolved. In the interim, two SSA direct deposits have been deposited into my account and I have been unable ANY FUNDS. THIS IS MY ONLY INCOME! My bills are backed up ( including a Bank of America credit card payment which I've been receiving letters about despite their error, limiting my ability to pay anything ), and I have been unable to even buy groceries. On XX/XX/XXXX, I called Bank of America to check on the status of my fraud claim, desperately hoping I could sort out the issue so I could access my funds. After nearly an hour on the phone ( see attached ), most of it on hold, I spoke with a representative who said she could transfer the funds to my savings account so I could my money that way. As far as the fraud claim, I was told " they are working on it. '' I was relieved regardless, thinking the problem would at least be manageable if I could withdraw money from my savings account. As soon as I hung up the phone, and checked my bank account -- now it shows a negative {$880000.00} on my savings account! ( see attached ). I am so frustrated and feel hopeless, I can not for the life of me figure out how my bank, which can clearly see I'm on a limited fixed income, would prevent access to my only funds. Please help!!!

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 2022-02-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Navient withdrew 3 payments XX/XX/2022 from my checking account. I called spoke to XXXX who promised it would be corrected. They made an unauthorized loan request to consolidate loans that are not proven to belong to me. I have disputed, filed XXXX, tried to reason with discrepancy without being successful. Started paying on their website which takes money from my check account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS, XXXX for XXXX debt owed and immediately paid. 
This negative item still shows as unpaid as of XX/XX/22 on XXXX. 
Receipt of debt paid was sent in last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Various charges to my credit cards and access to my bank account was given to someone. XXXX is were cashed and signed fake signature and a line of credit was issued. The bank denied my claim and stated that I was a participant in the fraud and is holding me accountable for the damages and the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/24 I placed a takeout food order with XXXX XXXX for {$10.00}. 

I waited at the store for 20 minutes and never got my food. I am XXXX and cant stand for long periods of time. I left. 

I called the store and asked for the manager. He wasnt there. I looked them up online and they had no email address. So I disputed the charge. 

I was told that I needed to contact the merchant and get a written statement that they wouldnt issue a refund. Thats not his Regulation E works. The bank needs to follow the law.

Company response to consumer: Closed with explanation