vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was laid off from my job as a XXXX XXXX on XX/XX/XXXX. I was hit by a car on XX/XX/XXXX and then my father died XX/XX/XXXX. I had to take care of my fathers service and funeral and I was not eligible for XXXX  or the XXXX XXXX XXXXXXXX offered at my office. I finally received a long awaited XXXX XXXX life insurance check and I deposited immediately to my Truist account and the put a 10 day hold on it. I was told by their check fraud department that if I went to my branch that the branch manager could remove the hold at their discretion when I went to the branch located at XXXX XXXX XXXX XXXX XXXX NC XXXX. The branch manager XXXX XXXX refused to release the funds to my account at her desecration. I told her my situation and the volatility with my XXXX XXXX XXXX  and how they have been doing national lay offs for the last year and a half and that this has happened to my twice in a year and that is why my account has been a mess. I am living in a XXXX and now I will be XXXX  because this woman has decided she will personally not release these funds 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 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2022 I received a notice from CapitalOne Bank to inform that I was declined a checking application. I immediately called CapitalOne Bank and reported a identity theft and fraud. I have never applied for a checking account with CapitalOne Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I paid off my mortgage, and Mr. Cooper failed to file for the Satisfaction of Mortgage under the time frame required by XXXX. 

New York Real Property Actions and Proceedings Law ( RPAPL ) Section XXXX and New York Real Property Law ( RPL ) Section 275, both require banks and mortgage holders to issue and record mortgage satisfactions within 30 days of being paid in full. 

It took Mr. Cooper almost ( 2 ) two years to complete their responsibility. The Satisfaction of Mortgage was filed on XX/XX/XXXX. Clearly, violation of RPAPL Section 1921 and RPL Section 275.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I contacted Synchrony Bank on XX/XX/22 about a credit card that appears to have been fraudulently created in my name. It is for their JCPenney credit card, a card which I have never owned. They said I had to mail a XXXX XXXX about the problem. Today I got a new email, this one from Lowe 's, about my Lowe 's Advantage credit card. It appears that a second credit card has been created in my name that I have never owned and never requested. These credit cards need to stop being fraudulently created and XXXX  needs to address their security system that is being breached by hackers.

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 2022-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Transunion regarding the balance on one of my credit cards. They had reported the balance to be $ XXXX for multiple months, although the balance was only {$970.00}. On XX/XX/XXXX, the statement for my card came out, and my balance was {$970.00}, Transunion still had my balance at {$6500.00}. I disputed the AMOUNT of the balance, not ownership of the account, and the account was completely was removed from my credit report as a result of this dispute. I called Transunion, in order to rectify this. They said the creditor is the one who removed it. I then called the creditor, they said they did not, and can not legally remove anything from my credit report that I am responsible for. I called Transunion back, they said again, it was the creditor who removed it. So I called the creditor back, they said they had no knowledge of a dispute, and did NOT remove this account from my credit report, and again explained that they are legally responsible for reporting anything and everything on my credit report. Again, my dispute was over the balance not ownership. My Transunion credit score dropped 50+ points as a result of removal, my XXXX credit score increased by XXXX points as a result of this removal. I believe that Transunion did not contact the Creditor, as I previously said- they have no knowledge of this dispute, and nothing in their system saying that it should have been removed.

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 2022-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Management Services, LP
State: IL

Complaint narrative:
Id like to report that Capital Management Services LP is being misrepresented by scammers. Over the last week, Ive received a call daily from a set of phone numbers from the XXXX area : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX While I have not picked up, the voicemail states that it is someone representing Capital Management Services LP and that I should call them back at XXXX. The voice of the person calling is the same each time, but the name changes. The last call I received was from a XXXX XXXX and the call before that, it sounded like the name was intentionally garbled by a machine. There is no further information provided in these voicemails - nothing related to debts or even what they are calling about. Looking up the phone numbers and reviewing the real XXXX  site, I believe these are scammers and would like to bring that to XXXX  attention. 

Every voicemail is scripted as follows : " Hi. This is *GARBLED NAME* calling from Capital Management Services LP . Please call me or one of our representatives at 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 2022-06-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 604A section 2 : It also states a consumer reporting agency can not furnish an 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 2022-06-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied for student loan forgiveness and consolidation. On XX/XX/XXXX, I received a qualifying payment letter from FedLoan that says they have evaluated my payments under the Temporary Public student loan forgiveness, I clearly have not. The letter says I have made 1 qualifying payment since XXXX! 

The letter also said that during the TEPSLF Waiver period that says if I consolidate, my payment count will start over. 

This letter is erroneous and is causing a great deal of borrower panic and dismay. 
Fedloan needs to give out correct information! 

I have called on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX and still my payment counts have not been updated. Still sitting at one! 
I have reached out on Fedloans XXXX XXXX and I get a generic response. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am my mothers POA. She has XXXX and has a letter from the doctor that she is not to able to handle her financial affairs. There is also a cease and desist letter on file that she is not to be contacted. On XX/XX/XXXX, Bank of America called my mother and had her pay {$600.00} over the phone. This was immediately withdrawn from her account. Because my mom is on a limited income, and her income only overs her month to month expenses, she will now have checks bounce. I will have to monitor more carefully. 
I spoke with BofA yesterday, and asked to have the XXXX $ refunded back to her account. After several hours, and much runaround, I finally was able to do so. However, the complaint is that it will take 7-10 days! Interesting how in a matter of minutes they can harass my mother to pay and its withdrawn from her account to theirs, but it will take 7-10 days to have it returned. This is unacceptable!

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 2022-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have recently opened a business credit card with US Bank. Since receiving this credit card, that is linked to me personally and also to our work account I have received numerous fraudulent emails on new accounts being opened and money being transferred. I have been in contact with US Bank numerous times from XXXX  XX/XX/22 through today, XXXX  XX/XX/22. US Bank has not been able to provide any resolution and do not I feel they are keeping my information safe and the attempted fraud is continuing. Please see the attached documents.

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 2022-06-17 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX Account # 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 This creditor has been in direct violation of my rights by reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - SXXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX  Account # : XXXX - US DEPT ED Account # XXXX - XXXX  XXXX Account # : XXXX XXXX XXXX  Account # XXXX 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 an 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 2022-06-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXXXXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX  Account # : XXXX - US DEPT ED Account # XXXX - XXXX  XXXX Account # : XXXX XXXX XXXX  Account # XXXX 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 an 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 2022-06-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I leased a brand new XXXX XXXX XXXX through ALLY for my business as a XXXX XXXX. As the mortgage rates were at an all time high my business was doing very well but in return it caused me to have high mileage. Upon approaching a year, a had over XXXX miles on the car and I knew I had 2 more years remaining on the contract so I called to try to figure out how I could get out of the contract. I was told that I could sell the car and after a month that's what I did. Ally gave us the amount to settle thee lease and it was paid. I had already made {$6000.00} of on time lease payments. ALLY had me sell the vehicle for $ XXXX which is {$5000.00} above XXXX XXXX XXXX value of the vehicle. Vehicle SOLD. After almost 2 months I receive a call from Ally stating that I owed {$390.00} for choosing NOT to lease with them again. I was told at the selling of the vehicle that all fees were included in that payoff. They already charged me a ridiculous amount for an early termination fee and the Deposition fee was included in the sell price, so why am I being charged another Deposition fee when we were told it was included in the payoff amount along with the early termination fee. The guy XXXX told me that we were being charged another {$390.00} we decided not to lease with them again. To me that sounds like another Deposition fee?!!? I keep asking ALLY for a detail breakdown and ALLY told me that they would not submit that to me until I paid the {$390.00}. How is that right for ALLY to charge me yet again for an amount that was SUPPOSELY included in the payoff? The early termination was added so why am I now getting this amount after being told that ALL FEES were added in the payoff in which they told the dealership on speaker phone. Now what they are going to say is that they didn't include it but they did because we asked for the full balance including fees and that's what was paid. I shouldn't get a notice stating a still owe almost 2 months later because they can keep doing it.

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 2022-06-17 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:
In accordance with the Fair Credit Reporting act, 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 604A section 2 : It also states a consumer reporting agency can not furnish an 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 2022-06-17 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # XXXX - XXXX  Account # XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS : - XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # XXXX - XXXX Account # XXXX 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 an 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 2022-06-17 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS : - XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # XXXX - XXXX Account # XXXX 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 an 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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing you this statement to delete the following information currently on my credit report. The items I need removed are listed in the report. I am a victim of identity theft and I demand that you erase these items off my credit report to properly correct my report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!

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 2022-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX, around XXXX pm, I withdrew money {$700.00} for my mother ( XXXX XXXX ) at the BofA ATM close by my house. After I entered the pin, the machine returned back the card and it went back to the main menu. I did not hear the machine dispensing or making any noise counting the money, not even the receipt printed. I thought that I might entered wrong key, so I withdraw the same amount, but the account was already debited so the fund was not sufficient. Then I checked the balance, I found out that the money was deducted from the account. I took out my phone and called ( XXXX ) XXXX, but I could not get through the live representative because it was after the hour. I disputed the transaction stating that there was no money dispense. The BofA sent me letter denial my claim, state that there was nothing wrong with the machine. I called the bank numerous times and spoke to different representative and got different answers each time. I requested the XXXX footage to prove if the money was dispensed out from the slot. The bank didnt provide the XXXX but sent me the blurry snap shot showed something on my right hand. I would like CFPB to help out since this is my mothers account and she is on SSI, and I want to prove myself too that all the statement above is the truth.

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