vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am a consumer and I feel that my federal consumer rights have been violated. I heard that they don't follow the XXXX. On XX/XX/2021, I sent in a payment overnight to TD Bank USA N. A. for my Target Credit Card to be credited. I called the following week to ensure they received the payment and representative said they don't have my payment. I gave the Express tracking number XXXX and she said it didn't matter, but will note my account that I called about my payment. Shortly, after that my statement due date passed, I received another statement, but my account was not credited. I recently sent a notice of billing error to Target Credit Card via certified mail XX/XX/2021 about this credit that should be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello Suntrust closed a business account because they indicated they noticed fraud. The account was a business account XXXX XXXXXXXX XXXX XXXX XXXX. They advised on XX/XX/2020 a check was deposited into the business account in the amount of XXXX which was a fake check. On Saturday XX/XX/2020 I was advised the check was fraudulent however at that time Suntrust bank was closed so on XX/XX/2020 I went into the local branch and advised the manager the check was fraudulent. At that time the manager advised the check was already deposited and it was nothing she could do. She advised if the check is deemed to be fraud, the account would be closed and I would receive my deposit of XXXX via check, she also stated I could attempt to establish a new account within 30 days. The account was closed and I did receive the XXXX via check. I never attempted to get money from the check, no one lost money. I did not willing put a fake check into my account. I am not the police nor do I work for a bank, therefore I was not able to tell the check was fake prior to making the deposit. I rendered services to the person that wrote the check, so I lost money as well. 

I do not want to reopen an account with SunTrust however I do not want Suntrust reporting to consumer reporting agencies that I committed fraud against their bank. I have never committed fraud a day in my life. The definition of fraud is : wrongful or criminal deception intended to result in financial or personal gain. I did not intend to commit fraud and when I found out I went to the bank and told them. I did not benefit from this situation, I actually lost. I do not want SUNTRUST reporting that my account was closed due to fraud because fraud was not committed at all. 

I will like to speak to someone about this.

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 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have tried several times to remove this credit debt from a credit card with Bank of America and in fact they have breached my information thru 3rd parties and passed my information to other collections and changed my information as well I tried opening an account with them and had one and then they closed my account from and identity theft and never accepted me back

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 2022-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
This company SPECIALIZED LOAN SERVICING HOME LOAN is currently showing 30 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
SPECIALIZED LOAN SERVICING HOME LOAN XXXX Opened : XXXX Balance {$13000.00}

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 2022-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
XXXX I got the loan for the store after doing the application online. I was told and the paperwork stated no interest if paid off in 15 days. I was unsuccessful to get someone during the first 15 day time frame. A few weeks later after calling other locations - i spoke with someone. At that the point, the 15 day no fee period had passed. 
The original loan was for {$3000.00}, yet financed amount of {$3700.00}. This amount includes other fees. After several attempts to get a payoff amount after the 15 days had passed. A payoff check was mailed in the amount of {$3400.00}. I was called in XXXX stated I still owed over {$100.00}. I have not received any written communications about the additional monies due. I did receive a call after the company received the check asking for the balance. One of the representative mentioned- they are currently making sure the loans are originated for the holidays. Yet, I was not able to use the right to rescind clause. Additional to the interest - I paid over {$520.00} in insurance and other fees. I continue to call and get response for my calls or messages

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Open up an account with PayPal to do some casual transactions every single time I received money PayPal locked my account and held my thumbs until I provided you know corresponding information which is understandable so it happened about 3 times and then I received another payment after getting an email saying that I'd become an unknown and established seller and they're still holding the funds but the seller the buyer I mean contacted PayPal and verified the transaction and they released the funds to me so the funds became available Shortly after that I received a payment that I didn't Fully agreed to because it was a lot of a lesser amount than I had wanted so I refunded the payment that payment triggered limitation on the account pending I provide the information which I did and they just still shut my account down and won't let me have my money in my account for a 180 days no explanation very rude

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: GA

Complaint narrative:
On XX/XX/2022, I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 
I contacted the Big 3 Bureaus who placed the inquiry and asked them to remove their credit inquiry from my credit profile, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

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 2022-01-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 
I contacted the Big 3 Bureaus who placed the inquiry and asked them to remove their credit inquiry from my credit profile, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

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 2022-01-06 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: AZ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 explanation
Consumer complaint received 2022-01-06 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: DC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 non-monetary relief
Consumer complaint received 2022-01-06 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: WA

Complaint narrative:
XXXX XXXX HAS ERRONEOUSLY REPORTED ON MY CREDIT A COVID RELATED DEBT THAT IS COMPLETELY OUT OF MY HANDS. 
THEY HAVE RECEIVED THE REFUND VOUCHERS FROM THE AIRLINES BUT HAS FAILED TO ACKNOWLEDGE THEY HAVE RECEIVED A REFUND. 

THEY HAVE REPORTED ERRONEOUSLY PRIOR TO INVESTIGATION ON MY CREDIT REPORTS AND DESTROYED MY CREDIT.

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 2022-01-06 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: WA

Complaint narrative:
XXXX XXXX HAS ERRONEOUSLY REPORTED ON MY CREDIT A COVID RELATED DEBT THAT IS COMPLETELY OUT OF MY HANDS. 
THEY HAVE RECEIVED THE REFUND VOUCHERS FROM THE AIRLINES BUT HAS FAILED TO ACKNOWLEDGE THEY HAVE RECEIVED A REFUND. 

THEY HAVE REPORTED ERRONEOUSLY PRIOR TO INVESTIGATION ON MY CREDIT REPORTS AND DESTROYED MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX BOA HAS ERRONEOUSLY REPORTED ON MY CREDIT A COVID RELATED DEBT THAT IS COMPLETELY OUT OF MY HANDS. 
THEY HAVE RECEIVED THE REFUND VOUCHERS FROM THE AIRLINES BUT HAS FAILED TO ACKNOWLEDGE THEY HAVE RECEIVED A REFUND. 

THEY HAVE REPORTED ERRONEOUSLY PRIOR TO INVESTIGATION ON MY CREDIT REPORTS AND DESTROYED MY CREDIT.

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 2022-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I signed up for an American Express Delta Gold card with a XXXX sign up bonus after the required spend. I met the required spend, Amex credited my account on my Amex statement for approx 72,000 miles, but has not transferred the points to XXXX. I have called Amex multiple times and have not been able to get Amex to transfer the points even though they are in my Amex account. 

I have attached a copy of the Amex statement which shows I have accrued the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: UT

Complaint narrative:
Credit Acceptance claims that I never utilized the service contract for the vehicle, while not acknowledging that they refused to extend the Service Contract to a XXXX XXXX. 
https : //www.dmv.org/ut-utah/automotive-law/lemon-law.php Utah Lemon Law Utah has a lemon law to protect you in case the new car you buy or lease is so seriously flawed that it can't be repaired ; in other words, if it's a lemon. It's very rare, but it happens. 

Basically, the Utah lemon law allows vehicle manufacturers a number of attempts to repair your new vehicle 's defect or malfunction before they'll need to either replace the vehicle or refund your purchase. 

On this page you'll find an overview of the Utah lemon law, the criteria a car must meet to be classified as a lemon, and the steps you may need to take to remedy your issue.

Protections Under the Utah Lemon Law The New Motor Vehicle Warranties Act applies to new cars and motor homes under warranty in Utah. Used vehicles are not protected under the Utah lemon law. 

Under the law, the buyer is entitled to a refund or replacement if the vehicle meets all of the following criteria : The vehicle must have been bought in Utah. 
It must be new and under warranty. 
It must weigh under 12,000 lbs. 
The defect must " substantially impair the use, market value, or safety of the vehicle. '' The manufacturer must have tried to resolve the defect at least 4 times OR the buyer must have been unable to use the vehicle a total of 30 days, whichever comes first, during the first 12 months of the warranty. 
The defect must not be caused by owner neglect, abuse, or unauthorized vehicle modifications. 
The buyer must adhere to the manufacturer 's informal dispute settlement or arbitration procedure, if there is one. 
Many manufacturers use the XXXX XXXX XXXX Auto Line as an informal dispute settlement service. Contact your vehicle 's manufacturer or refer to your owner 's manual for details. 
NOTE : Be sure to keep records of any vehicle service orders, receipts, or correspondence you may have had with the vehicle manufacturer or the authorized dealer/service facility that has worked on your car.

Filing a Lemon Law Complaint in Utah

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 2022-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/2021 PNC Bank took over my credit card account from BBVA. Once PNC took over the credit card account I never received any paper statements and my credit card account was never added to my online banking. I have repeatedly called PNC to inform them I was not receiving any monthly paper statements and my credit card account had never been added to my online banking. I am basically in the dark as to what charges are being put on my account. I have called PNC every month at least once about these issues. To date my requests have been ignored by PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 non-monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: OH

Complaint narrative:
I enrolled at XXXX University using federal funds and scholarships. I was XXXX assaulted and withdrew from school. I let the university know what had occurred and I could no longer start the semester. I received a bill from KEY 2 RECOVERY INC stating that I owe a balance of XXXX. I called the University and the collector to get this resolved but no one could assist me. No one sent the bill on how I could owe this. I also received a notice from my student loan servicer from XXXX showing the loan was taken out. I have not had any explanation as to why I owe when I withdrew from the courses in a timely fashion and it shows up as a student loan on my credit report. The only notice I continue to receive is a notice saying that I owe a balance. I have disputed this account with the credit bureaus with no course of action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
Someone opened an account and made XXXX separate deposits : XXXX, XXXX, XXXX in this account with my name, address and ss #. I called First National Bank of Omaha and had them close this checking account. 

I have registered my information with XXXX and no one should be able to open a bank account because I have locked down my personal information.

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