vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: DE

Complaint narrative:
To Whom It XXXX Concern Within Discover : Thank you for taking the time to review this correspondence. My name is XXXX XXXX and I am a satisfied customer of your financial institution. My purpose for this correspondence is in regards to the appearance of a late payment from your institution on my personal credit history. 

This remark is dated [ XXXX, 2022 ], and this is the remark made by your company. As stated above, I am very satisfied with my account with your institution, and as such have maintained regular use of it for purchases, and have made timely payments before this incident happened. My concerns regarding the presence of a late payment are that it may remain on my credit history for an extended period of time, and is causing damage to my credit report. This concerns me, as it may interfere with my ability to maximize on my credit potential, which may include opening another account with your fine institution. I am politely requesting that the late payment remark be removed from my credit history, with no adverse effect on the account to which it is attached. I trust that this correspondence and my request will be taken into consideration, as I've come to expect nothing but the highest level of customer service with Discover. I will continue to be an upstanding customer of Discover, as I view Discover as an upstanding financial institution and as the provider of my first credit card. I look forward to a long and prosperous working relationship with your company, and hope to have this matter resolved at your earliest convenience, to our mutual satisfaction. 

With sincere appreciation, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My Truist secured card is being charged huge interest fees and this is my money that they are charging me interest on. Is this even legal to charge me so much interest on a credit card that the money is mine to begin with?

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 2022-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
i was in the hosipal due to a XXXX XXXX XXXX XXXX and going back in for XXXX they would not help deferr payments they said a XXXX was not hardship then what is wells fargo

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 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-08-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Chime is the ruining my life! My Chime bank account was hacked into on XX/XX/2022 at XXXX by an unknown device and location. My savings was then transferred to my checking account and then sent to unknown email addresses/people via the pay anyone feature. I've filed a police report with the XXXX PD and also will be filing a formal complaint with the CFPB and XXXX. Two transactions totaling {$4100.00} was stolen from me! I need my money ASAP this is my livelihood and mortgage payment. I have never used this pay anyone feature and these transactions are a clear attempt of fraud. If my money is not returned to me I will be forced to take legal action against Chime as this is a result of a your lack of consumer security measures.Chime Dispute # XXXX Transaction # XXXX - XX/XX/2022 XXXX Payment to XXXX - {$2100.00} Transaction # XXXX - XX/XX/2022 XXXX Payment to XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: IL

Complaint narrative:
On XX/XX/2022. I received a copy of my credit report and Found Several Fraud accounts, addresses, inquiries, and public records in my name. I was in XXXX During the time these items were added fraudulently to my credit report. I have never Filed Bankruptcy, lived at the addresses on my report or inquired of specific items. I asked XXXX, XXXX, AND TRANSUNION to investigate and to mail me the results for the items in question. I contacted all sourced reporting the Fraud information. Each company advised me to dispute with the credit bureaus. I was told by an XXXX Specialist to file the fraud accounts with FTC.gov I did and reached out to the courthouse I was told reported the Public record inaccurately. Then another investigation was done and it was reported by XXXX XXXX once I received a letter the courthouse does not report public records. The credit bureaus are violating the FCRA and not reporting correctly on purpose.

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 2022-08-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2022. I received a copy of my credit report and Found Several Fraud accounts, addresses, inquiries, and public records in my name. I was in XXXX During the time these items were added fraudulently to my credit report. I have never Filed Bankruptcy, lived at the addresses on my report or inquired of specific items. I asked XXXX, EQIFAX, AND XXXX to investigate and to mail me the results for the items in question. I contacted all sourced reporting the Fraud information. Each company advised me to dispute with the credit bureaus. I was told by an XXXX Specialist to file the fraud accounts with FTC.gov I did and reached out to the courthouse I was told reported the Public record inaccurately. Then another investigation was done and it was reported by XXXX XXXX once I received a letter the courthouse does not report public records. The credit bureaus are violating the FCRA and not reporting correctly on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Attempting to reach TransUnion representatives has been a nightmare. One MUST navigate a maze of convoluted automated phone system, which in most cases, connects one to wrong department. People who answer these calls are incompetent, unable to make decisions and sound like they are reading answers off a " cheat sheet ''. Then they attempt to transfer me to another area and calls get disconnected - prompting one to go back through a phone system maze. Promised callbacks NEVER happen and when a user calls to inquire about status of the case, they are being given another case number ( even though the previous one has not been resolved ) and promised yet another callback- which never happens. 

I now strongly believe that this is by design, in hopes that frustration takes over and people just stop calling. 

This has been happening persistently on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 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 2022-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On XX/XX/2022, I made a transfer from XXXX Bank to Bank of America, the payment amount was {$1200.00}. in XXXX and XXXX there were requests from Bofa clarifying the meaning of the transfer ( payment for the delivery of goods ). There were no further requests. In XXXX, a clarifying message was sent via XXXX about the status of the payment, but there was no answer. Later they sent a request for a refund, again they did not react in any way and there was no answer. The funds have not yet been delivered to the recipient or have not been returned to me. 
For all attempts to personally apply to BOFA, I received an answer that they were not entitled to communicate with me and that only through requests from the sender 's bank. At the moment, it turns out that BOFA has been illegally withholding my funds for 3 months, which can already be regarded as theft XXXX XXXX was the correspondent 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 monetary relief
Consumer complaint received 2022-08-23 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX successor by merger to XXXX Bank, XXXX XXXX XXXX XXXX for XXXX XXXXXXXX XXXX Certificates XXXX XXXX XXXX XXXXXXXX XXXX Questions/Comments : 1.On What date was the Note transferred by XXXX XXXX to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
2.By what method was the note transferred to the trust? Please included physical address of the place where the note was delivered. 
3.Was the assignment of mortgage also delivered by XXXX  XXXX XXXX XXXX trust? 
4.Where were the original note and assignment of mortgage ( if any ) physically stored by the trust? Please include the physical address of the place where the note and assignment were stored. 
5.What documents if any were given showing the delivery of the note and assignment to the trust and or receipt of note and assignment to the trust? 
6.Was the note indorsed by XXXX XXXXtXXXX at the time it transfered to the trust? If So, please identify the person who examined the note and the date and place the examination was made. 
7. Did the trustee or its designee ever notify XXXX  XXXX that the note, endorsement, and or the assignment were not in compliance with requirements of the trust, whether by including the note and assignment on an exception report or by other means? If such notification was made, please identify the date and the method of such notification. 
8. Was the trust credited with any payments made on the XXXX note? If so please state each date a payment was credited to the trust on the XXXX note. 
XXXX. This debit was satisfied by means of cancellation of debit, recission of note, and or XXXX Mortgage Settlement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
When I logged into my USAA mobile app and online, I received a message from USAA bank that said if I didn't answer their 40-minute survey, I would be locked out of all of my accounts. I called the bank and confirmed that they would suspend my accounts unless I answered their questionnaire. 

Their justification for their threat was that it was part of their terms of service. I did the survey and noticed all but a couple of the questions were related to a service they provide called XXXX. I don't see how it's legal for an FDIC-insured institution to threaten to prevent me from accessing my money if I don't participate in their sales and marketing questionnaire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Credence Resource management is attempting to collect a debt that Receivables XXXX is trying to collect as well. This is not even right! One of these companies need to remove themselves. Ive never spoken to anyone at credence resource. I never received a letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: MI

Complaint narrative:
To : XXXX XXXX XXXX ( XXXX ) From : XXXX XXXX XXXX, elder sister of XXXX XXXX XXXX, deceased re : Extension needed to stop foreclosure PROPERTY of XXXX XXXX, deceased XX/XX/2022 ADDRESS : XXXX XXXX XXXX, XXXX XXXX, CA XXXX I just spoke to XXXX to request an extension for the home property of my brother, XXXX XXXX, which apparently is threatened w/ foreclosure. I am trying to deal with this from MI. I explained that for Proof of Effort, I had already provided contact information for the Realtor and the Attorney handling the property sale but that I could not provide an ad for the sale until probate has been completed, which they hope will occur by XXXX but we dont have any control over the judicial system that does this. I had already provided the information for the Realtor and the Attorney for the proof of effort but will provide it again : Atty : XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX cell : ( XXXX ) XXXX This is the Attorney who is handling the probate. Realtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX cell : ( XXXX ) XXXX This Realtor is managing the property and tending to the landscaping, which you can easily witness by visiting the property. They can not prepare the interior until probate has been complete In the meantime, can you please grant the extension and stop the foreclosure? Also, my brother died from XXXX complications. So he would qualify for foreclosure extensions through federal protections. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX ( XXXX ) XXXX, office ( XXXX ) XXXX, cell XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I have had my student loan since 2006 I have always attempted to be on the income-based repayment program IBR. The student loan servicer AES has continually lost applications not processed them and often times pushes me into programs that are beyond what I get monthly from Social Security XXXX. many times I will take pictures or send my applications by certified mail they are often lost and then my loan is recapitalized enriching the company well damaging a XXXX persons life. The callous nature in which they have dealt with us the violations of law must be investigated. By not allowing me too enroll in the IBR they have caused dramatic financial hardship for my family and have continually flaunted and violated the law by not accurately recording my payments to IBR and making it so hard for a person with a XXXX to get a ADA accommodation to assist in solving it. I have this year sent to certified overnight packages with the IVR program and tax information as requested I videotaped that the information going into the envelopes was what they asked for and showed on the video handing it to the post office the post office says they were delivered and received and yet AES company denied as they received them the third attempt I went online and with assistance from a Student Loan counselor at AES completed the IVR application and electronically submitted my tax information all of this was verified during the call and yet they denied they received it and re-capitalized my loan and clear violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
XXXX XXXX, 2022 The problem si that the popular banck of XXXX XXXX deos not report the mortgage Oln to the credit agnciese

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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