vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: UT

Complaint narrative:
In XX/XX/2021 I received a paper checking statement from SunTrust Bank. I had never heard of SunTrust Bank and it was apparent to me that someone opened up the account in my name. I called to inquire on the account. The representative checked the account to make sure that there wasn't any money going in to or out of the account and assured me that SunTrust would freeze the account to assure that no one was able to credit or debit the account and that they would submit the account to their security and fraud department to have it investigated and closed. 

On XX/XX/XXXX I received a second checking account statement from SunTrust. The checking account was still open. And they had included a {$3.00} charge for sending me a paper statement. 

On XX/XX/XXXX I called SunTrust again to see why the account was still open and to dispute the {$3.00} paper statement charge. XXXX from customer service said that the charge would be waived and transferred me to the fraud and security department. The woman who I spoke to said that the account was still open because a case had not been opened in XXXX when I called. She said that the account was frozen. I explained that I didn't want the account frozen, but that I wanted it closed. She again said that they would submit the case to their investigators to look in to the account. I explained that this happened last month but the account was still open. There was nothing that she could do.

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 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have spoken with the mortgage company doing a modification I have paid on the modification it has been over 4 months since I got any information on the modification every time I call they said the modification is still in process I don't understand why a modification is taking over 4 months for them to send me the paperwork I made all the payments and still have not received a modification every time I called they stated that it is still being processed I think something is up with that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX, I booked a trip with The XXXX XXXX. I paid XXXX. I paid the remainder of the balance on XX/XX/XXXX, XXXX. 

Due to the global pandemic, my travel which was scheduled for XX/XX/XXXX, was obviously postponed. when the company contacted me, they issued me a refund credit note which was set to expire on XX/XX/XXXX. I instead asked for a full refund, which they told me there were unable to issue. 

On XX/XX/XXXX the XXXX based company alerted me that they were going bankrupt ( insolvency ) and suggested I file a dispute with my credit card company. 

According to the Fair Credit Billing Act it is me legal right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. 

Since XX/XX/XXXX, I have been attempting to get my money refunded from Capital One. They have continued to deny my attempts, at times, stating they needed information that I had previously submitted. At other times siting the length of time since the charge was disputed ( despite contributing to delays now adding 5 months of delayed time ). Most recently them are sighting the time. However, the time limit for my claim should start from the date I was expecting to receive the service, not from the purchase date, which in this case with be XX/XX/XXXX. 

It is worth noting that I have spend over 6 hours on the phone with capitalone, as well as hours compiling the requested information. 

I spoke with XXXX at capitalone on XX/XX/XXXX, she assured me I would receive a refund. On XX/XX/XXXX, I spoke with XXXX on XXXX who told me there was issues with the timeline, the refund notice, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I made a purchase on XX/XX/2021 order XXXX on the XXXX XXXX  app. I purchased 3 items totaling approximately {$500.00} and applied a 10 % off coupon. Coupon code XXXX. The app showed the discount applied for approximately $ XXXX {$48.00}. I then entered in a XXXX XXXX gift card number for {$100.00}. It then showed the remaining balance of approximately {$350.00} which I entered in my Home Depot credit card number that is financed through Citi Bank. When my credit card was charged they charged me approximately {$400.00}. Multiple calls on XX/XX/XXXX and XX/XX/XXXX with XXXX XXXX and Citi. Citi is now saying that because I used my XXXX XXXX  gift card the discount was no longer applicable. However no where in the terms of this offer does it say you can not use a gift card. it does say the purchase must be placed on your Home Depot credit card but it does not state the ENTIRE purchase must be placed on your Home Depot credit card. It also states that this offer can not be combined with any other discounts or deferred financing plans, however My XXXX XXXX gift card is not considered a discount. The app also did not show the discount no longer applied after I entered in the gift card number. What it did show was a remaining balance of {$350.00} that would be charged to my credit card.How can a customer know all the exclusions if Citi does not provide the information upfront? This is very deceiving and misleading to consumers because had I been provided the full terms I would have been able to make an informed decision and used my gift card for something else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WLCC
State: AZ

Complaint narrative:
The calls before XXXX XXXX started last Wednesday on XX/XX/2021. I returned call and told the representative they are calling me before XXXX and she told me it was a automatic dailer I told her its there responsibility to make sure it is calling me after XXXX my time. I then ask for a supervisor and would not transfer the call. I got a call again today XX/XX/2021 before XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: OH

Complaint narrative:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They have reported inaccurate information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: LEXISNEXIS
State: NV

Complaint narrative:
On or around XX/XX/2020 I submitted a dispute with lexis nexus for a auto claim record. This record does not belong to me but my ex husband and we were divorced at the time. I received a letter that said it would be deleted and 6 months later its still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Purchased item online car cover wrong cover sent merchant had advised 100 % guaranteed tried a dozen times to exchange. After a week called credit card company to dispute charge finally got hold of someone by phone at XXXX XXXX XXXX after an argument she said good luck on getting refund and hung up on me. Contacted credit card company to let them know what was going on. Two months later got return Receipt from company and dropped off at XXXX store. Chase sent me a check for XXXX dollars now the bank has rebuild me and they in favor of the merchant because item was returned to late? I am out XXXX dollars and no car cover because Chase Bank is incompetent plus a thousand hours on phone trying to resolve this I refuse to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05 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: TX

Complaint narrative:
Companies keep reporting inaccurate wrongful information. The bureaus will not report factual, accurate information, but keep blocking my " verification access '' through phone calls or online requests and keep asking me to send them my information and it all goes back in a never-ending loop. 

Experian XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account 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 2021-04-05 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, Equifax started reporting inquiries that I hadn't authorized from multiple entities. I reached out to equifax multiple times via phone to remove these inquiries and got no help. I, also, furnished them the information that was asked of me to get these inquiries removed. Upon calling them after this, I was told they would not be able to help. I recently sent a certified mail to Equifax regarding these inquiries and stated the US Code that mandates that all unauthorized inquiries be removed, to include the inquiries at hand. The certified mail receipt shows that the mail arrived at XXXX  XXXX  in XXXX GA XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. XXXX XXXX partial account numbers XXXX ; XXXX ; and XXXX. Experian and XXXX  are not investigating these negative accounts that are reporting. They show the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. XXXX  XXXX  partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) All of the above referenced items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-04-05 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: Conn's, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Regarding my online banking. I log into my account and it consistently does not recognize my password. I become locked out on a regular basis in which case I am directed to reset. The reset window does not open but rather, rolls round and round. I have to phone the bank. Long wait on the phone to get someone to reset my password. so I can never get into my account This bank is pushing mobile banking which I do not use. 
In addition, this bank will not lock or unlock my debit card at my request unless I phone in. I had unexpected need of road service while I was out and I could not use my Citizens debit card because I could not get through to them at all. I have another debit card from another bank and I can go online and quickly lock or unlock my card. 
I got to log in using two different browsers and after I type in my login and username I get a window that says I can't get access to my money when I need it. I can't go online when I need to. I would close the account but I have a stack of blank checks that I use to pay local merchants who do not take visa. I am not going to throw them away and waste hard earned money because of this bank. 
I have probably 20 institutions that I use for online access, from banks to investments to insurance, medical, school, shopping, hobbies, on and on. I have all my log ins in a book because we should never use the same one for all our financial and personal accounts. I never have a problem logging to anything except this bank. 
If you go into my information on this bank you will see a history of password changes. i have enclosed a screen shot. 
In addition i get an error message that my browser can not open the webpage. I have enclosed a screen shot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
There are 2 debt collectors that started calling me at 6 months ago and it happens every day. They each call about 15 times a day ... They both start calling at XXXX until XXXX ... 
I've tried a couple times to contact them. It's busy or someone answers saying I have the wrong number.

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 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
There was a derogatory remark filed by Sunrise credit service INC on my credit report which was false report. When I went on call, they told me that it was requested by XXXX  and when I called XXXX then they told me that I don't owe them anything and they will be reaching out to Sunrise credit service INC for same. I'm filing this complain on why on first hand sunrise credit service INC put that derogatory remark on my credit report when there is no money that I owe to XXXX. Sunrise credit services INC should have verified it with XXXX before doing so whether if there is any amount that is owed to them. It drastically affected my credit history and I want to make sure that sunrise credit services INC is held accountable for that.

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