vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a home equity line of credit originally issued by Suntrust bank. XXXX XXXX  XXXX they offered me debt relief for covid. I took the covid relief they offered. Every three months I reapplied and was given relief.XXXX  XXXX  XXXX I was able to return to work so, I started paying the regular monthly installments. XXXX XXXX  XXXX, the bank became Truist bank. I received statements saying I was in arrears, spent the next 2 months trying to find out why, to no avail.Went to the local branch for guidance and was told I was in pre-forclosure. After many attempts to contact the foreclosure deep't, I decided to pay the arears. On XX/XX/XXXX, I paid XXXX dollars to the local branch.1 month later, they couldn't find my payment reflected anywhere in my account. Went to find out what happened and ran into XXXX XXXX, who is the regional supervisor for Truist and he put the wheels in motion.I was then informed by the branch manager, XXXX XXXX, that everything is suspended and they would let me know the outcome. checked back 1 month later and was told it was still suspended and to do nothing. XX/XX/XXXX I spoke to XXXX XXXX and was told that it still can't be found and I need to call the fofeclosure dep't and not to return to her branch, she will be out for 4 months.

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 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Unfair assessment of late fees & interest. We always be entire balance before due date. Received XX/XX/XXXX credit card statement on XX/XX/XXXX. The same day, XX/XX/XXXX, I mailed a check for entire balance from INSIDE my local post office. On XX/XX/XXXX, I get email from Credit Card company stating they don't have payment. This is the 1st time this has happened. I call. Rep says they don't have check and advises me to put a stop-payment on check. To avoid lateness, we do a 1-time electronic transfer. The next day, XX/XX/XXXX, I put a stop payment on wayward check. The bank makes a mistake. Instead of just stopping payment on that 1 check, the bank mistakenly puts a stop payment on all funds from my checking account to my credit card. The original electronic transfer of XX/XX/XXXX, which had been posted to my checking account, was now reversed ( unbeknownst to me ). It wasn't until XX/XX/XXXX that I get an email from credit card saying payment is late. There is a lot of in-between details, but the bottom line is a new electronic transfer of funds from my checking account to the credit card company was successful on XX/XX/XXXX. However, the credit card company insists I pay the interest charges even though they screwed up by mishandling my check and advising me to put a stop-payment on it. ( Later, I'd learn that the credit card company had, indeed, received the " wayward '' check on XX/XX/XXXX, and if they had posted it then they never would have notified me on XX/XX/XXXX that my payment was not received ; hence, everything after XX/XX/XXXX would not have occurrred, and there never would have been late fees/interest charges in the 1st place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I lost my home and no longer have a phone number. Chase bank says they can only help me if I call in, which i have no options to do so. I am filing for bankruptcy and have made several requests to them for a copy of my credit card application and they refuse to send it to me. I need this information to proceed and they are holding it up by withholding this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. 

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, 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 2022-09-12 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. 

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, 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 2022-09-12 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX 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 explanation
Consumer complaint received 2022-09-12 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: FL

Complaint narrative:
Hi! My name is XXXX XXXX, I've just discovered that the items I requested for you to investigate and delete have not yet been removed nor did you sent me anything, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022, but a month has already passed. I still haven't received any response from you. A legal expert told me in an online forum that this is a violation for your willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-09-12 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: FL

Complaint narrative:
TransUnion has failed to complete its investigation within the allotted time. It has been 30 days since I mailed them the following : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e., an original consumer contract with my signature on it ) that you have on file for the account listed below. 

1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report immediately. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report immediately. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove immediately 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 5. Victim of natural disaster/ XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Please remove late payments immediately. 

6. Victim of natural XXXX In school and deferment XXXX XXXX # XXXX Date Opened XXXX XX/XX/XXXX Please remove late payments immediately. 

7. This account is not mine XXXX # XXXX Please remove it immediately. 

8. In School/deferment/Late payment are false XXXX XXXX # XXXX* Please remove it immediately. 

9. This account is not mine XXXX XXXX # XXXX Please remove it immediately.

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 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
Final amount from XXXX of {$170.00} is incorrect. See attached. Shows past due of this amount but then another amount of nearly {$190.00} This was XXXX of XXXX. 
Service was shut off by my request on XX/XX/XXXX. I have evidence of this in writing to XXXX. I even have new phone service and a bill from XXXX which can be provided showing all XXXX phone numbers listed with service as of XX/XX/XXXX. Now this company Diversified is not providing me any itemized statements and the bill is up to {$260.00}! Clearly XXXX continues to charge me for services I do not have! Someone needs to stop the madness with XXXX. I've attached my final bill from XXXX showing no balance and credits given to me by the person below. 

XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX CEO Customer Experience Obsessed Direct : XXXX Fax XXXX XXXX Attached shows that the billing was adjusted and final payments made in XX/XX/XXXX which left me with a XXXX balance. Further evidence will be submitted if small claims is filed with motion in court. No further activity was on the account for any calls, texts or data after this date of XX/XX/XXXX. 

Diversified has zero evidence and only provided me with 2 pages no items listed and refused to even walk through items and told me on a recorded line they don't have the paperwork. How can they put this on my credit report and collect with NO ITEMIZED STATEMENTS!?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: GA

Complaint narrative:
I Went to apply for a credit, with one creditor and once i applied with them i had alot of unauthorized inquires. 

XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to complete the investigation in the allotted 30 days time, and respond to me promptly. 
I mailed them stating according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
1. This account is not mine XXXX XXXX XXXX # XXXX Please remove it from my credit report immediately. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report immediately. 

3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove immediately 4. No Late Payment XXXX  XXXX XXXX  # XXXX Date of inquiry : XX/XX/XXXX Please remove it immediately. 

5. This account is not mine XXXX # XXXX Date of inquiry : XX/XX/XXXX Please remove it immediately. 

6. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/XXXX Please remove immediately 7. No late payment XXXX XXXX  # XXXX Date of inquiry : XX/XX/XXXX Please remove it immediately. 

8. Victim of natural disaster/ XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Please remove late payments immediately. 

9. Victim of natural disaster/XXXX In School defer XXXX XXXX # XXXX Date XXXX XXXX XX/XX/XXXX Please remove late payments immediately.

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 2022-09-12 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 2022-09-12 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 2022-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My complaint is with Chase Bank. My accounts were hacked and after my online accounts were frozen, someone continued to access and use my accounts. My savings account had monies in it and then someone accussed it, took money out without my authorization and deposited money into the account and then took money from the account that was not there. That caused a large overdraft of monies that I didn't and don't have. Now the bank has seize my Social Security and XXXX monies telling me that I owe and will seize those funds to pay off an account that was used without my authorization. I have appealed to Chase, but they tell me I owe that money and has affect my new account with XXXX XXXX. I am due to recieve a large amount of money and because of what Chase has done the money is on hold. Being on Social Security and XXXX XXXX, I don't have the funds to at least clear this up. I feel like that Chase Bank is extorting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I mailed in IRS forms XXXX, XXXX, and XXXX to GM Financial to discharge the debt of my 2018 XXXX XXXX on XX/XX/XXXX. I never recieved a title and called them to find out why. An agent said on XX/XX/XXXX that they had not recieved the forms so I emailed them. On XX/XX/XXXX I checked to see if the forms were recieved and an agent said yes they had them and my title would be in the mail that day. I should recieve the title in 10 to 15 business days. I called again on XX/XX/XXXX and an agent said that I still owed and she was not familiar with the forms. I asked if she could fiward the forms to their legal department and she said she walked them over there personally. After this call I continued to recieve calls for payment and I asked another agent if their legal department had a response for the forms sent in. The agent said that there was no legal department. And then another agent said that there was. So since I got the run around I said I would cease payments until I heard from the legal department about the documents sent in to discharge the debt. I also informed the agent that I would pay if my car ended up on the repossession list to avoid repossession and I was told that I was not on the list. Well, my car was repossessed on XX/XX/XXXX. On XX/XX/XXXX I called off work and found out everything that needed to be done to retrieve my car. I informed them of not being able to miss more than two days from work due to being on probation. And that I would need a third party to pick it up because I work way north and the car is way south. They told me what I needed to do to get the third party approved and they said I had to sign another letter stating I did not have legal representation to get my car released. I did these things and once they were done they said I could be the only person to pick up the car and I was forced to write another letter saying that I am obligated to pay this debt according to the contract and will pay it. I had to sign and date it or else the car would not be released. I feel like I just got extorted to pay a debt that was legally discharged before I signed and dated a paper that makes me responsible for a debt already discharged. I could not pay to release my car until this was done. So I did it and paid Friday XX/XX/XXXX. I scheduled an appointment to pick up the car Monday XX/XX/XXXX at XXXX and it was cancelled due to the release papers not being sent to them in a timely fashion. Today Monday XX/XX/XXXX I was informed by loss prevention that the release papers were just sent in this morning. Now I am forced to pick up my car tomorrow at XXXX and jeopardizing my job because I have to take off again to go get it. Even though I sent in everything they asked for to have a third party do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
Collection Agency Name : Nationwide recovery sys, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX balance : XXXX $ A letter was sent to the company to validate my account, on XXXX XX/XX/2022, And NO response my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: WI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, 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 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: WA

Complaint narrative:
I have sent several letters for this company to verify this debt to no avail. They simply don't respond. This debt should not be on my credit file. They wont or cant verify the debt is mine.

Company response to consumer: Closed with explanation