vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Sir/Madam : I am writing to dispute the following information that XXXX XXXX Banking Officer of Branch Banking and Trust now Truist Bank reported to All three credit bureaus : XXXX, XXXX, and XXXX on XX/XX/2021 are inaccurate. XXXX XXXX XXXX banking Officer of BB & T reported a fraudulent {$950.00} increase. In addition, XXXX XXXX responded to a complaint I filed with the Consumer Financial Protection Bureau on XXXX, XXXX, 2021 that the increase of said balance was due to a negative escrow balance. She failed to write me prior to my complaint giving a clear explanation as to why my on time mortgage balance would be reported inaccurately. BB & T has record of my cancellation for XXXX home insurance renewal that was to go into effect XX/XX/2021. Also, BB & T has record of my new/current home insurance with American Integrity with an effective date of XX/XX/2021. At no time it was a failure on my part that caused a negative escrow balance. To date, all mortgage payments has been satisfactorily paid by myself. BB & T has received reimbursement of prepayment issued to XXXX home insurance for effective. Beginning XXXX, XXXX, 2021. XXXX XXXX response is false regarding my mortgage balance. To date, my escrow and mortgage payments are one-time. XXXX XXXX needs to ensure that she adheres to her employment responsibilities and report accurately both my on time mortgage payments and remaining balance. She needs to stop using predatory financial reporting standards and discrediting my hard work. 

Ps. My escrow balance has nothing to do with my mortgage payments it is used for the sole purpose of paying my home insurance.

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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
There is inaccurate information on my credit report. I have contacted the company on various occasions about the accounts in question, and the company has failed to respond within liable time ( 30-45 days ). Also, the company has not provided the original contract and information on validating this information.

I am requesting that the account be removed and deleted from my credit report immediately. I have sent letters to all 3 credit bureaus and validation letters on the following days. XXXX XXXX 2021. The letters has been sent to XXXX, XXXX, and XXXX. To date no documentation has been provided. The company has failed to comply with the request for validation. By Law they have to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
There is inaccurate information on my credit report. I have contacted the company on various occasions about the accounts in question, and the company has failed to respond within liable time ( 30-45 days ). Also, the company has not provided the original contract and information on validating this information.

I am requesting that the account be removed and deleted from my credit report immediately. I have sent letters to all 3 credit bureaus and validation letters on the following days. XXXX XXXX 2021. The letters has been sent to XXXX, XXXX, and XXXX. To date no documentation has been provided. The company has failed to comply with the request for validation. By Law they have to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I REQUESTED ANNUAL FREE REPORT FROM ALL 3 " CRA '' ON XX/XX/2021 AND BEEN OVER 45 DAYS HAVE NOT RECEIVED TO HOME 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 2021-05-19 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I REQUESTED ANNUAL FREE REPORT FROM ALL 3 " CRA '' ON XX/XX/2021 AND BEEN OVER 45 DAYS HAVE NOT RECEIVED TO HOME 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 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/2021 I Received a notice via email from the Federal Trade Commission that I am to receive a refund of {$38.00} from a Class Action Lawsuit against XXXX XXXX. The payment was to be made by check or through PayPal. Since I had been a member of PayPal for about three years and had used the app without any problems in the past I chose to receive the funds through Pay Pal. On XX/XX/XXXX when the funds were released to be paid, I contacted PayPal to receive my funds. The request was accepted at first, and then later denied. I contacted PayPal Customer Service via telephone. I spoke to a representative who made a update to my account telephone number. I was then forwarded to another rep, but there was so much static and noise on the line and his accent was so thick I could not understand anything he was saying. I stated that I could not understand him and will call back. When I did call back I got a different rep and the line was clear. He told me that he could not tell why I could not receive my funds. After the phone call he sent me an email that stated I had to get a court ordered subpoena, or hire a lawyer to access my account information. I later received emails stating that I can no longer do business with PayPal, and that they will hold my funds for 180 days without explanation. After the 180 day period of time I should receive an email explaining what I need to do to get my funds. Their policy states that funds not picked up in 30 days will no longer be available. To add insult to injury, out of the {$38.00} there is only {$38.00} available now because they are charging transaction fees for transactions that never took place. PayPal will provide no information on my account, or why they are taking the steps they are taking to deny any information. I believe that the policies of PayPal are unfair to customers and ask that they be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX my stimulus payment was applied to my account. Navy Federal Credit union decided on their own without letting me know that they were applying a {$140.00} provisional credit to my account for my benefit so that I could have full access to my stimulus payment, which was deposited into my savings account. My savings account was {$0.00} at that time, even if they think they had a right to put a credit in my account there was no reason for the credit. Now, 60 days later without contacting me prior they have taking the {$140.00} back out of my account, meaning they reversed the credit leaving my savings account - {$140.00}. When I called and talked to the bank the supervisor I spoke to jokingly with a little snicker says, we are prepared to offer you budgetary counseling, if youd like! I am really irritated about all this, especially because I dont have an extra {$140.00} and I have been without a job for over a year now due to COVID-19 and this is happening to me now. Its ridiculous!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: NY

Complaint narrative:
Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed. I demand that this inquiry below be removed immediately.

1. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Risecredit, LLC
State: MI

Complaint narrative:
On XX/XX/2021 there was an inquiry that appeared on my XXXX credit report that I did not initiate. The company name on the report was XXXX RISE. I contacted the Company directly and they confirmed that someone had fraudulently used my name, address and SS number to electronically open an account. I was instructed to file a claim with the FTC ( Report Number : XXXX ) and to send copy of my ID for them to begin an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
The American Express portal showed me that I had 108,000+ Rewards Membership points available to use, obtained with my Amex Platinum credit card. 

Based on this information, I was led to believe that I was in position to transfer XXXX points to XXXX XXXX loyalty miles program, which would have allowed me to buy a flight at an advantageous rate. I thus canceled an existing reservation with another airline ( XXXX XXXX ) for a ticket worth {$700.00}, and proceeded to transfer the XXXX points to purchase the XXXX XXXX award flight. 

But when I tried transferring the points, at the very last page, when submitting, I was told that my account was under review and that the system would not let me use my points. 

I called American Express to solve the problem. They told me that the review could take up to 90 days. They also told me that I should not see my 108,000+ Rewards Membserhip points as being " Available '', and yet that's what the website displayed to me ( see attached screenshot ). 

Overall, this situation has led me to loose a {$700.00} flight, that I can not rebook at this rate. I had to go through the expensive process of buying XXXX XXXX XXXX miles for cash at a rate of 2 euros per 100 points. That is, I incurred an expense of about {$1000.00} to buy these points, while the Amex website misled me to believe there were available and made me cancel my other flight. 

One takeaway from this experience is that consumers should not trust American Express when their website claim that you have a certain amount of rewards point available. At any time, they can place a hold on your account, without notifying you, and without showing you anything on the portal, until you try to make a purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: AL

Complaint narrative:
on XX/XX/2021, i check my credit report and notice some inaccurate information reporting on my credit report from the 3 CRAs ( TRANSUNION, XXXX, AND XXXX ), so i sent them a letter to delete the inaccurate information and update it to my correct personal information because i dont live there.

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 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I paid the debt off via the attorney 's office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX back in XX/XX/2021. I called them and express recovery several times in XXXX and XXXX asking to have it updated on my credit report. The law office said that they " did '' and express recovery sends me to the law office. The law office send me the attached letter showing the debt was paid. I filed 3 separate disputes via XXXX and all of them came back that express recovery said that I still owe the debt so the negative collections on my credit will remain. I need this updated on my credit report as it was paid months ago and Express recovery nor the law office is doing their job well after they go their money. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account XXXX To Whom It May Concern : This is my second letter requesting that your company correct your own mistakes. I have received no response from you and yet you continue to report to the credit bureaus, even verifying this account to them when I dispute it. I am well aware that is a violation of the Fair Credit Reporting Act to continue to report information on an account in dispute, especially when you have failed, per the FCRA and FCBA, to verify the account with documented proof. Therefore, I am humbly requesting, once again, that you either verify this account by providing the following information or you delete it completely with any and all credit bureaus in which you are reporting to. 

A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me as required by the Patriot Act ( You do take these precautions correct? ) An itemized statement breaking down the balance you claim I owe ; and Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 
I expect a reasonable response with sufficient verification per the law from you within the next 15 days of receipt of this letter or I will be forced to file a complaint with the Federal Trade Commission and all governing bodies to protect and rightfully correct my credit information from inaccurate and erroneous reporting. 


Thank you for your time and attention to this matter. 


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 2021-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA

Complaint narrative:
I have an AES loan. It was on hold w the pandemic. I have reached out ove rthe last year to see when I would need to start repaying and I can not get an answer. I am abroad, their website is blocked here. When I email the company, they email me back through the website and I can't access their response. I have tried to call but the wait times are so long I literally have run out of {$50.00} credit on just wait times about four times. I filed with the XXXX  but they couldnt help me. I need the company to actually talk to me and let me know when I need to make payments and how to adjust them based on my income. This is crazy how difficult they make this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 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: NY

Complaint narrative:
Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that the inquiry below be removed immediately.

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 2021-05-19 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: AL

Complaint narrative:
on XX/XX/2021, i check my credit report and notice some inaccurate information reporting on my credit report from the 3 CRAs ( XXXX, EQUIFAX, AND XXXX  ), so i sent them a letter to delete the inaccurate information and update it to my correct personal information because i dont live there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: LA

Complaint narrative:
Hello, Loan Depot, my mortgage company, has returned 3 of my mortgage payments with no explanation. I have called on four occasions, each with a different outcome and no resolution. First, I had sent it to the wrong account number. I fixed that. Second, sent to the wrong address. I fixed that. Now, after all of that was fixed the payment was rejected and credited to my account again. Customer service rep was going to waive late fees. I spoke with XXXX on XX/XX/XXXX for 49 minutes he stated that no payments were showing received and that he would elevate it to the research team and contact me within 5-7 days. It's now XX/XX/XXXX and I have no comfort that this will be resolved. I sent over a complaint to the CFPB when the issue first came up in XXXX, no answer. Loan Depot 's service was excellent when refinancing and horrible after they've secured my loan. Call wait times are excessive with no response. When they do call back there's no option to speak to a person, just an automessage letting me know that my payment is late. 

This has been going on since XX/XX/XXXX and is wreaking havoc on my finances, not to mention my peace of mind. I've since updated my autopayment date to the XXXX to make sure it's received by the XXXX ( due date. ) What do I have to do to get this resolved? I am attaching copies of correspondence sent in through the portal ( two segments ), excerpts from my phone log and the debits/credit from my account. I can be reached at XXXX. @ XXXX Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting 1 derogatory account on my credit report with no creditor listed. I am unable to send out a validation request because I am unaware who is reporting the account or if the account belong to me. I have sent over 4 dispute letters since XX/XX/2020 to Equifax asking them to investigate the account and I have yet to receive a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hello, and How are you doing during this global pandemic specially Covid19? I cant wait for this to be over honestly! But listen, I was shocked today when I reviewed my credit report and found late payment remarks on my credit even during covid on both of my credit cards and there is a restriction on it now too. Remember, i called you guys that i never received the replacement cards too!??! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation