vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
" I want you to call me not email me about this situation '' Am just gon na copied what I Emailed sent to the Ombudsman Office at the Federal Reserve. 

Dear, Ombudsman office at the The Federal Reserve System Hello, My name is XXXX XXXX. 

I want to know how to : " File a Complaint against a Bank aka BB & T to the Federal Reserve Board and to the Office of the Controller of the Currency and the United States Treasury. '' XXXX XXXX send two Prisommary Notes XXXX XXXX Dollar Each as Registered Securities to BB & T XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, North Carolina XXXX. 

USPS XXXX That BB & T was supposed to Trade it to later Deposited as Credit to my XXXX XXXX Brokerage Account with BB & T. 

Mr , XXXX XXXX and myself XXXX XXXX talk to the Trading Office Number at BB & T in North Carolina XXXX this Week this Tuesday XX/XX/2020 and Wednesday XX/XX/2020. 

On Tuesday XX/XX/2020 they acted like the Notes that XXXX XXXX Mailed that they were lost and now today XX/XX/2020 their stating one of the reps that they received the notes at the Operations Building at BB & T they rejected the Promissory Notes and their gon na mailed it back to XXXX XXXX mailing address. 

We know that BB & T Bank copied the information of the 2 Promissory Notes valued at XXXX Each Totalling to XXXX XXXX Dollars Each and Stole the money off those notes. 

And am doing my Part XXXX XXXX and want to Proper File a Complaint against Branch Banking & Trust Company aka Truist Financial Corporation to the Proper Banking Regulatory Enforcement Agencies of  the United States. 

You can contact me by my Cell XXXX or Emailed me again.

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 2020-07-08 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Im writing this complaint against Sears/CBNA for derogatory information reported on my credit report. In XX/XX/XXXX, I paid my credit card account in full and the account was closed. In XX/XX/XXXX, I received information from Citi Cards explaining my account was transferred to XXXX XXXX XXXX , XXXX. The letter also instructed me to contact Citi Card at XXXX by XX/XX/XXXX ; unfortunately, I was never afforded the opportunity to address the issue because of the public health crisis ( COVID-19 ) and the governors mandated shutdown. 
Once the restriction was lifted, I contacted XXXX XXXX XXXX, XXXX and spoke with a Ms. XXXX XXXX. I explained that I paid the account off in XXXX and wasnt aware of any unpaid balances. I also asked why Citi Card was reporting late payments on my account. She opened an investigation and provided her direct telephone number XXXX ext. XXXX. In the weeks following, I contacted Citi Card myself to try to resolve the issue. On XX/XX/XXXX, I received correspondence from Citi Card explaining they could not complete the investigation because the purchases were too old. Ms. XXXX was never able to resolve the issue due to no response from Citi Card. 
Finally, with much frustration I settled with XXXX XXXX XXXX , XXXX. I was instructed to contact Citi Card to request them to remove the derogatory late payments. Im requesting Citi Card to remove all the late charges from my credit report for they have not completed any of our requested investigations. They did not show proof of purchases.

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 2020-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
In XX/XX/XXXX, I submitted an application for Borrower 's Defense for discharge, regarding a fraudulent for-profit school that has since been proven evident of fraudulent and deceptive practices in a XX/XX/XXXX nationwide settlement of XXXX XXXX to 180,000 students across 48 states. My school, XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) located in XXXX, FL, which was a XXXX XXXX XXXX ( XXXX ) school that closed in XX/XX/XXXXthen renamed XXXX XXXX, defunct in XX/XX/XXXX. I am reporting that this XXXX  lawsuit and settlement was issued unjustly to XXXX Direct loan borrowers and excluded FASFA, federal student aid borrowers. My complaint is regarding the Federal Department of Education Borrower 's Defense Department processing and judgement of denial, I received on XX/XX/XXXX. This recent settlement case, XXXX XXXX public scrutiny and admitted guilt by way of XXXX XXXX XXXX XXXX   settlement to students nationwide should have been means for discharge from a logical stand point. Are there legal principles, documents or processes that are unknown to me that I can submit to the department that were submitted in the plaintiffs court case? There have illegal and unjust on 2 profound levels that I am experiencing. 
The first injustice has taken place just like highly publicized schools such as XXXX and XXXX XXXX, for-profit institutions have too much fraudulent leeway to exist and systematically violate the use federal and private resources for the public. First generation college seekers, minorities, low income, among other disenfranchise groups of people were targeted in this corporation 's higher education scam. My entire primary education financial offerings were through XXXX XXXX and not XXXX direct loans, which I had no education about. 
Discrimination and neglect is the second level of illegal and unjust processing. Because this lawsuit only pertained and was carried out for a certain group of borrower. The bulk of students attending these schools were financed through federal loans, so why wasn't there financial restitution given to all students who are seeking relief by way of discharge, that has been in a timely process for 3 long years of life unfairly and to a unfair resolve. 
I have submitted an option for reconsideration, as of XX/XX/XXXX, officiated XX/XX/XXXX but have not been provided any guidance by the Borrower 's Defense Department on what is needed information for approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  & XXXX   XX/XX/2020 about inaccurate information on my credit report. 

Conserve {$1100.00} XXXX XXXX XXXX {$100.00} 01 XXXX  {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I received a call from ( XXXX ) XXXX during my lunch break at work. I did not answer and someone named XXXX from XXXX XXXX XXXX XXXX left me a voicemail asking me to call back to apply for a forgiveness due to Covid-19 and that Nelnet which is my student loan company is being sued for Fraud. I called the number back twice and both times they asked how much I owed and when was the last time I made payments on it, after I told them they hung up the call both times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Discharged Chapter XXXX reported XX/XX/XXXX - I have disputed this as the record should have been removed after 7 years. It has not been removed. It is currently affecting my credit score and ability to rebuild my credit score. 

XXXX Dept of Education Balance {$7200.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$4000.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$1900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$3900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$9300.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month. 

XXXX  XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month.

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 2020-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: MN

Complaint narrative:
Company bought my debt from a payday loan company when I didnt even know I still owed on the original debt. The original debt is not listed on my credit report but I didnt find out about this debt till it showed up on my credit report, I got in contact with them and tried to argue that I didnt owe it but they made threats against my assets if I didnt at least set up a payment plan. The debt theyre asking for is far more than I could have possibly owed, and I had no chance to dispute it before it showed up on my credit report. This caused me to loose out on a mortgage I have been working towards over 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Since 2017 XXXX I have been in a debt consolidation company In charge debt solutions. One of the credit cards I put into the debt collection was XXXX XXXX XXXX. They agreed to the terms of the debt consolidation company monthly payments percentage rate etc I have a letter stating that from the credit card company. I paid the debt of I believe XXXX. Which they agreed to. Then I get a notice from a collection agency. I called them spoke to a supervisor he said that if I got the letter send it to him which I did and never heard back from him again. I tried to call several times and he wouldnt return my calls and was always busy. I paid my debt that they agreed to and dont think its fair that its still on my credit report in collections for the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
This company ( Reverse Mortgage Services at XXXX ) " services '' reverse mortgages. My loan no. with them is/was XXXX. I sold my home. It is closing today. My escrow company requested a payoff demand on XX/XX/2020. Reverse Mortgage refused to cooperate with my escrow company on providing an updated payoff demand ( one has been issued previously for the month of XXXX ). I phoned them myself 7 times today to try to get an updated demand. They state that they require 5 business days to respond to a demand request. I explained that it was very important for me to get an updated demand today ( XX/XX/2020 ), as I am purchasing another home. They refused saying that they could not supply the demand until XX/XX/XXXX because they require 5 days. I said that 5 days had transpired ... the XXXX, the XXXX, the  XXXX, the XXXX, and today the XXXX. They said they consider XX/XX/XXXX as a holiday because they were off that day. I explained to them that XX/XX/XXXX is NOT a federal holiday. I was told I could either wait until the XXXX for the demand to be sent, or I could add 2 % to the prior statement ( which would be in excess of {$3300.00}!!! ) and use that for the pay-off. Also, once the demand is sent, it calculates interest for the entire month. They are guilty of extortion. First, they refuse to provide a payoff demand in a timely fashion. Second, they endeavor to over collect by collecting for an entire month, rather than providing a daily per diem amount and/or by requiring an excessive amount of 2 %, thirdly, they count days off as federal holidays. At this time, the sale of my home is recording today, XX/XX/2020. My funds are being held by my escrow company pending receipt of the current payoff demand. I spent 4 hours today on 7 phone calls with this servicer in an attempt to get a payoff demand so I can pay them off. They refused to provide me one for  today. They said it would only be sent on XX/XX/2020. Please investigate this company!! Help me to get my funds back. The only reason I sold my home in the first place was to get rid of this horrible loan. Now I can't even pay it off because they refuse to tell me how much I owe them. By the way, by the time you work on this, I will no longer be at this address. Given the circumstances, I'm not sure where I will be. Please contact me by phone ( XXXX ) or by e-mail ( XXXX ). - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: NY

Complaint narrative:
RE : LendingClub XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX Good day Sir/Madame, Principally, I hold that this 'loan ' was distributed in an illegal manner. 

On XX/XX/XXXX, I was 'given ' a 'loan ' amount from the aforementioned entity. I have met all re-payment stipulations up until XX/XX/XXXX. I was 'given ' this 'loan ' amount under bizarre circumstances. Whilst I had gone through the majority of the prescribed qualification process, I had not completed it, yet this loan amount appeared in my bank account whilst I was overseas, attending to family matters. 

As mentioned earlier, I have up until now met a re-payment criteria instituted by the LendingClub. However, at this time, I have been only fully able to distill the entire circumstances of this 'loan ' ; I have been absolutely engaged with bereavements of a sibling and parent over the past few years amongst other issues. Whilst I fully intend to honor any fair and reasonable obligation, I propose that this 'loan ' fails to meet that criteria, as i did not fully complete the approval process, yet was debited with a 'loan ' amount. 

Upon reflection, I have come to the conclusion that this 'loan ' has predatory characteristics. It has an extremely voracious interest rate. The ratio of payment applied to interest over principle is egregious. Also, as an XXXX-American, I statistically and historically, belong to that group whereby these type of predatory instruments have been targeted. I would like to have the 'lending ' process for this 'loan ' meticulously reviewed in detail. I am willing to meet a fair and reasonable obligation. LendingClub  has been made aware of my position via telephone conversation. They have presented an unwilling interaction insofar as discussing the matter. 


I would be most grateful for any advice or assistance that you can provide for this complaint. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
In nine transactions from XX/XX/XXXX to XX/XX/2019, an unknown person made what SunTrust describes as a " check card purchase '' for either {$1300.00} or {$920.00} at locations in XXXX, XXXX, or XXXX. The total value of the unauthorized check card purchases was {$11000.00}. 

SunTrust returned {$8300.00} on XX/XX/XXXX, reversed the credit on XX/XX/XXXX causing the checking account to be overdrawn, and than transferred the negative balance without authorization to a credit card that we did not know existed. 

SunTrust refused to close the checking account, leading to subsequent overdraft fees of {$150.00}. 

SunTrust did not provide requested information to law enforcement to assist with an investigation.

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND AN INACCURATE ACCOUNT REPORTING ON MY CREDIT. THE ACCOUNT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: TX

Complaint narrative:
Through credit monitoring service I learned my credit information had changed. When I checked it, I found that Experian incorrectly showed an account " in collection ''. I knew nothing about the creditor and it was clearly an error. I called the creditor and they said they didn't put that on my account. They said Experian has some kind of analytics that matched this account to me XXXX in error ). I filed a dispute and called Experian. They said the incorrect information would stay on my report until they completed an investigation ( up to 30 days ). That is an inexcusable amount of time to correct an error on their part that is affecting an innocent person ( ME ). They need to remove disputed information immediately and only put it back once they confirm it, not the other way around. I have now spent over an hour of my time dealing with someone else 's error and nobody says they will compensate 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 non-monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a victim of unfair credit reporting and deceptive practices. I have made several attempts to resolve the matter. XX/XX/2020 I filed a dispute with XXXX XXXX Credit Bureau stating that I was not the owner of the closed credit card on my credit report. I requested to see a contract agreement with my signature along with any monthly statements sent to me. XXXX XXXX is the only credit bureau reporting on this alleged credit card account and they indicated the account is closed. XX/XX/2020, Wells Fargo reported to the credit bureau that the limit on the close account had been lowered {$73.00}. As a result of the report from Wells Fargo, XXXX XXXX credit bureau lowered my credit score XXXX  points. I have disputed the ownership of this account because the credit card in question that I held with Wells Fargo was a {$1000.00} SECURED Credit Card and no such amount was charged to this card. Also the credit bureau investigation failed to resolve anything. There was no evidence surrendered to suggest that I owned the account..

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 2020-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
My cousin passed and I became the " Successor in interest '' on the mortgage. The mortgage was taken out in XXXX and refinancing would save about {$1000.00} each month! I have been trying for several weeks to get XXXX XXXX XXXX to send a Mortgage Payoff Estimate to my title insurance company so I can have my mortgage refinanced. ( Rushmore services mortgages but does not do any refinancing. ) I have faxed, called, and uploaded documents to their website, XXXX XXXX 's website ) almost every day for two weeks to simply get a XXXX XXXX. They keep saying that they can not read my " third party authorization '' ( which is a lie ) ; and will not accept my telephone calls as a valid request for a XXXX XXXX XXXX which is dishonest and unethical behavior on their part ). I really need them to send me or my title insurance company the XXXX XXXX immediately good to XX/XX/XXXX! Immediately and with no more delays!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I just received a call from a # w/ same 1st 6ix digits. I was expecting a call from a local vendor. It was a robo-call offering to lower my chase % rate. I clicked to talk to human. Sure enough he XXXX had an accent ) needed my credit card # to complete the deal, I was on to him and said the cc company would never ask for that info. He called me crazy and hung up. the # was from XXXX. I blocked it. btw it was on my cel. 
Thanks XXXX XXXX, XXXX XXXX, CA, cel # XXXX email : XXXX.

Company response to consumer: Closed with explanation