vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In late XXXX I took out a {$65000.00} mortgage with Sun Trust Bank. At that time we arranged for {$620.00} to be debited via ACH from my XXXX XXXX XXXX XXXX ( North Carolina ) checking account early each month. This amount would be deposited into my Sun Trust checking account. Sun Trust would then take the {$620.00} from that Sun Trust checking account to make the monthly payment on my mortgage on the XXXX of each month. I put {$300.00} into my Sun Trust checking account to set up that account. 
This system worked fine from XX/XX/XXXX, when my mortgage payments began, through XX/XX/XXXX, when Sun Trust became Truist. For the XX/XX/XXXX mortgage payment, Truist did not ACH the {$620.00} from my XXXX XXXX XXXX XXXX into my now Truist checking account. I checked with XXXX XXXX XXXX XXXX, which said it had no record of an attempt by Truist to ACH the funds. 
Because Truist did not ACH the funds into my Truist checking account in XXXX, when Truist tried to take {$620.00} from that account, there were insufficient funds to make the monthly mortgage payment. Truist then began to assess fees, which so far have amounted to over {$200.00}, reducing my Truist checking account balance from {$300.00} to {$72.00}. Truist claims it tried to ACH the funds, but there were insufficient funds in my XXXX XXXX XXXX XXXX account. I have provided Truist with a running total of my checking account balance in XXXX through the XXXX of the month, when Truist tried to take my mortgage payment from my Truist checking account. That running balance shows there was always more than {$2000.00} in my XXXX XXXX XXXX XXXX checking account. So Truist 's claim of insufficient funds in my XXXX XXXX XXXX XXXX account is not true. So much for the bank 's name. 
I have made the XX/XX/XXXX mortgage payment by check today ( XXXX ). I have spoken to a banker in a Truist branch, but she has no authority to reverse the over {$200.00} in charges on my Truist checking account and no ability to determine whether Truist in fact tried to ACH {$620.00} from my XXXX XXXX XXXX XXXX checking account. 
I want the fees Truist has assessed -- and any fees Truist will assess going forward -- restored to me.

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello - On Tuesday XX/XX/XXXX I was mugged  and I was robbed of my handbag. All of my important information was in my handbag including : credit cards, Driver 's License, debit cards and other various information documents. 

I went to Capital One to replace my credit card ending in XXXX on or about XXXX.As there may be other anticipated charges coming through my old card number I need to replace it with the new number. To anticipate any charges from vendors I wanted my new card number and expiration date IN Full from Capital One before the card arrives in the mail ( XX/XX/22 ) so they have a card that can pay what I may owe.

I called Capital One on XX/XX/22 to get my full card info so I could anticipate any charges and replace the old card number. I was shown a process on the website where I should be able to get the card information in full as it does not appear on my bank statements. 
I navigated to " XXXX XXXX XXXX as instructed and I was told there would be a link to be able to view the details of my new card info. There was not such a link. I was told I would be sent access to this info in an email confirming the new card that was ordered. 
There has been no such email. Today XX/XX/22, I called to ask about that email and was told " because we are serious about protecting your security '' they can not provide my new card information to me by email, phone etc and that I would have to wait for the card itself. I asked to speak to a manger. I expressed to the manager that I need my new card details which is information that belongs to me and that the former navigation to the area that should have given me a link to my card details, did not have that link. I had been told that " some '' customers would get that link to their new card info and I asked her why can't I have what is mine also? 
She tried to say it was for security purposes again and I reiterated my point - that my account was not deemed adequate or privileged enough to let me have access to MY new card information and that on some level I was being discriminated against. She said they follow fair credit guidelines about that criteria and that it was an internal matter. I asked what the criteria was? Did it have to do with a different or more expensive card? She said she could not share that information with me and that I would have to wait for my card to arrive in the mail. She did not care that I exclaimed that this was not fair treatment and that Capital One would certainly lose my business over this - as they are holding from me what belongs to me. She resigned that this was fine and that she can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: AL

Complaint narrative:
I have been receiving collection notices in the amount of {$56.00} the collection had been reported past due. I do not know this company. I have never done business with this company. This company do not have a contract with my signature. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has failed to remove fraud accounts off my credit report, they have also not provided me a answer on my dispute within 30 days. They have violated my rights under : I have also submitted the certified mail for proof experian is in violation. 


The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of below accounts need to be deleted immediately : 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 explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: NJ

Complaint narrative:
XXXX XXXX says I owe XXXX for service at an address that I was not living at the time they mentioned the debt is from XXXX and I contacted landlord company and Apt was leased to a XXXX XXXX XXXX from XXXX and I have lived in New Jersey since XXXX can you please help me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I will like all inaccurate information To remove from my credit report because these bankruptcy does not belong to me. the following dates apply XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Hello Team, I have applied for Wells Fargo Active Cash Credit card Online ( Application # : XXXX ) with an excellent credit score on XX/XX/2022. 

Below is the Terms and Condition of that credit card published on the bank 's website. I have also downloaded a PDF copy of the Terms and Condition as of today, Just in case if, the bank change any clause while you are investigating on this.

URL - Terms and Condition XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nowhere in the Terms and Condition its mentioned that the credit card can only be applied by United States Citizens or Permanent U.S. Residency.

My application was moved to pending state asking for additional documents ( Two most recent pay stubs ) as part of the first review. I provided the same visiting the Wells Fargo branch ( XXXX XXXX XXXX, XXXX XXXX, CT XXXX ) on XX/XX/2022 XXXX PM EST ( I have the Fax Call Report shared by the bank ) On XX/XX/2022, I called the credit card department for the status and I was asked for additional documents ( Proof of Permanent U.S. Residency ) as part of the second review, Which was not a relevant document in my scenario, as am here in United States in a XXXX XXXX. I have also clearly selected that options on the online application form that am a citizen from a different country. 

I met with the Branch Manager, In-direct and explained the same.

While I was in the branch, the Branch Manager called the credit department and escalated the complaint ( Complaint ID : XXXX ) on XXXX XXXX. 

I received couple of calls from the respective escalation department. On the first call I mentioned all the above and I also informed that this credit card was approved for my friend who is the same XXXX category ( he is also a XXXX US citizen ) and they did said they will get back to me on validating this. On the second call, they again said they were not able to validate the permanent US residency of mine which is not a relevant document as per the selection I chose on the online application. 

Note : I can share my friend credit card account details with his consent I feel am not treated fairly by the bank ( Approving a credit card for a non-citizen with same visa status as mine and denying my application stating that they are not able to verify my permanent U.S. Residency when there is no clause mentioning the same ) Am seeking your help in further investigation on this matters as you have mentioned on your website that as a " Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions '' Kindly investigate and provide a fair Judgement.

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 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XXXX credit report company is vouching for Portfolio Recovery Associate, LLC to keep on my credit report {$9300.00} since XXXX. Case number : XXXX ; seller : XXXX XXXX  ; Current Creditor : Portfolio Recovery Associates , LLC ( XXXX ) XXXX. I file for complaints twice with Portfolio services and send them proofs of my paid in full XXXX XXXXXXXX and twice they rejected my complaints saying that XXXX credit report said it is my account and I should pay. I send proof that I don't have an account with XXXXXXXX XXXX  nor XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I had my XXXX XXXXXXXX and XXXX XXXX XXXX in XXXX XXXX XXXX XXXX in XXXX. I still get harassing notifications every two weeks for the same thing and leaving voicemails on my phone from Portfolio services. Last week I tried to reopen my complaints and I was told it was removed. But i just rain my credit and it is still there. Please help me resolve this matter. My credit report is ruined because of this item that does not belong to me. I tried to resolve it myself it didn't work out. I hire XXXX XXXX XXXX ( XXXX ) XXXX paying them {$120.00} every month for almost a year and they didn't clear it. I want my money back. FTC is my last resource now, please help me with these monsters out there who are keeling my livelihood. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX, Account # 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 2022-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America keeps reporting a card on my credit report it was a fraud card i didn't open this account a guy stole my identity

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 2022-03-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax shows that my XXXX  loans are still open ; however, all my XXXX  loans are at {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent letters to have incorrect information removed from my report. The letter was sent 30 days ago. I have not received anything from the company. The items are still on my report. I've disputed these items several times.

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 2022-03-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act USBK COURT XXXX Docket # : 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 2022-03-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act USBK COURT XXXX  Docket # : 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 2022-03-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my second time complaining about inquiries that are falsely reporting on my credit report. The information that is reporting on my credit report does not belong to me and i want these inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Fake text sent by citizens. I have never done business with them, and don't have a debit card of any kind. 

This was the message Citizens Alerts : Verify your Debit Card charge of {$53.00} @ XXXX  Reply 'Y ' if it was you else visit, XXXX XXXX XXXX  citizens XXXX. STOP TO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Professional Recovery Management
State: TN

Complaint narrative:
I send {$30.00} by check EVERY SINGLE MONTH to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX and every single month it is drafted out of my account ( so the checks have been cashed ). I started making those payments in XXXX of XXXX  and they continue to this day. Despite the faithful payments, SEVEN of my accounts have been turned over to collections ( Fox ) and reported to credit bureaus. I have ZERO control over which account numbers the recipient posts my money to every single month. Once I mail the check, my responsibility ends. 
I discussed this with XXXX in accounting at XXXX and we have a binding verbal agreement that the payment will be posted against my account each month and my account wont be turned over for collections. What is done with it after I send it is NOT my responsibility. It is the responsibility of XXXX and Fox to ensure that my payment is calculated and posted NOT MINE. So, how do you figure I am delinquent on my account with XXXX when Ive made a payment every single month without fail? 
I have called, challenged my credit report, and was basically called a liar. So, I have no other choice but to report this to the XXXX and the XXXX. 
Please remove the following from my credit reports immediately and ensure that the credit agencies are notified of your erroneous reporting : Account # Amount Creditor 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 XXXX XXXX XXXX dispute : Fox Collection File no : XXXX Submitted : XXXX again on XXXX ( File no XXXX ) XXXX {$400.00} XXXX Dispute : Fox Collections {$400.00} XXXX Note : After speaking with Fox Collections on numerous occasions, its clear theyre not interested in any verbal agreement or any payments I may have made. However, I confirmed on XXXX that the verbal agreement was still in force with XXXX with XXXX. She shows all the payments Ive made EVERY SINGLE MONTH WITHOUT FAIL since 2018. She could not explain WHY my accounts were turned over when Im paying on them every single month without fail since 2018. Is it asking so much that someone from a credit agency or a credit reporting agency call the original creditor/vendor to confirm that the debt is actually owed? Please, just do it. Im trying to do the right thing here, but it seems no one else is. 
I've contacted Fox, and XXXX and XXXX and the automatic response is to either call me a liar or deem the dispute " resolved '' when it is anything but resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I HAD PREDATORY LOAN WITH SANTANDER CONSUMER USA. THERE WAS A CLASS ACTION LAWSUIT AGAINST THEM AND I WAS APART OF THE LAWSUIT. I AGREED TO A VOLUNTARY REPOSSESSION DURING COVID AND IT WAS AGREED THAT THE BALANCE WOULD NOT BE REPORTED TO CREDIT FOR COLLECTIONS. THEY ARE REPORTING THIS DEBT ON MY CREDIT. I PAID ALMOST {$30000.00} IN PAYMENTS FOR 6 YEARS AND THE BALANCE IS THEIR ILLEGAL INTEREST. 

Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX {$26000.00} ORIGINAL LOAN {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have a Chase Marriott XXXX XXXX XXXX Business Credit Card approved on XX/XX/XXXX, which is for my company XXXX. Due to the COVID-19, I don't use this card for a while in 2020. I am not sure if there is any miscommunication but my card gets closed by Chase without my consent in 2020. I try to contact Chase several times try to fix this issue and re-activate my account, but it was not successful. Right now we are back on business, and I really need to use this card for travel, but Chase no longer accepts new applications for this card. So I really need Chase to help me re-activate this account because closing my account before is a mistake from the Chase representative, and I never asked Chase to close my Marriott XXXX XXXX XXXX Business Credit Card account.

Company response to consumer: Closed with explanation