vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
I receive multiple calls a day from XXXX I finally called them back and it's not even for me its for my roommate they call several times a day and do not leave message harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In XXXX of 2022 I went into US Auto Sales to buy a car and opted into GAP insurance and it was NEVER applied on the contract and now that the car has been totaled i am having to pay for the car that is being totaled because US Auto Sales did not check the boxes for Gap Insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
Hi, I used XXXX, which Truist promotes, to transfer money from my Truist account to another bank account which I own. The amount was not very much. 

However, doing so caused Truist to claim that they suspected fraudulent activity. Therefore, they completely locked access to my online banking, something I rely on daily. Fortunately, when this happened, I was able to go into a branch, verify my identity, and they told me the issue would be resolved. It was not resolved. 

I do not currently live near a Truist branch. When I called their customer support to inquire why my online banking was still locked, after holding for an hour to talk to someone they said I need to go into a branch and verify my identity. I explained I had already done that, and it didnt resolve the issue. I have called the Truist branch itself about 100 times to follow up on why my online banking was still locked, and they have not once answered the phone or returned my call. XXXX. In fact, I called nearly every branch in XXXX XXXX, and they just don't answer the phone. 

There is nothing suspicious or fraudulent about sending a small amount of money, to MYSELF, using the tools on their platform which they promote. I already went into a branch with my passport to verify my identity on XXXX at the XXXX XXXX XXXX by XXXX XXXX. It is impossible to contact anyone at Truist by phone. Calling their support center takes an hour of holding, and then they refuse to do anything useful or helpful if you talk to them. The steps they have taken to " protect '' my account are doing the opposite, because I can no longer access or monitor 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 2024-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I called on XX/XX/2023 to have my due date changed from the XXXX to the XXXX of every month. I was told it would take 1-2 billing cycles for the change to take place. I called early XXXX since the date had not been changed and was told to call back a couple days later as the second billing cycle would be complete. I called again on XX/XX/2023 and was told the situation would be escalated because the date had not changed. I called again on XX/XX/XXXX because I was told I would hear back on the XXXX from 2-5 business days and didnt hear anything. I called again on XX/XX/XXXX because money wasnt taken out of my account on the XXXX but online still said I was enrolled in auto debit. I was told on their end it said that it was taken out but takes a couple of days to post. I also called about the due date change and was told it would be escalated and I would receive a call back by the next business day. I missed the call on XX/XX/XXXX and called back and was told my account was delinquent which I said I dont know why since I was on auto debit and the payment should have been taken out on the XXXX. I was told that I would have to have a supervisor call me back as none were available to talk on the XXXX. I was also told that my request on XX/XX/XXXX was inputted incorrectly on Mohelas end so thats why it wasnt proceeded but was put in again on XX/XX/XXXX and asked if I wanted to submit the payment change. I said no because I didnt want the clock to start over again for the 1-2 months and that Mohela needed to fix the problem on their end keeping in mind the XX/XX/XXXX date that I called in for the request instead of waiting another 1-2 billing cycles starting today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
An unauthorized auto-renewel for XXXX XXXX XXXX XXXX was charged to my XXXX XXXX account. Having a XXXX balance on this account, I wasn't aware of the charge until I received a past due notice. I called and spoke with XXXX XXXX and explained the situation. I paid for the " time used '' on the XXXX yr plan to date, and no longer had access to this XXXX service plan, but in the meantime it was turned over to XXXX XXXX 
I have gone round and round with XXXX, with actual reference numbers of phone calls and charges that I paid to XXXX XXXX and they will not drop this. This has been going on since 2019. XXXX told me " at this point, its about principal ''. I agree with them whole-heartedly, as I do not owe them any money because they stopped my service when I paid for the time used. 
Now it has been turned over to Resurgent Acquisitions where I can not actually speak to a real person. I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is why XXXX XXXX and Equifax is being sued in XXXX XXXX XXXX You have identity theft reporting on my file and inaccurate information. Delete this account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank has covertly changed my credit card statement delivery method to the Paperless option without providing proper notification. Consequently, I missed my payment date on XX/XX/XXXXXXXX  and again on XX/XX/XXXX. The missed payment on XX/XX/XXXXXXXX  resulted in a {$20.00} late payment fee and an {$11.00} interest charge on purchases. 

When I contacted their online agent, XXXX, to request a fee waiver, he informed me that the fee had already been waived in XX/XX/XXXXXXXX  and could not be waived again. I stressed that I was switched to paperless delivery without notification and requested a supervisor to review my previous chat. However, he ignored my message and ended the chat. 

Every few months, Truist Bank prompts me to select statement delivery options, and each time I choose the " Mail Only '' option. Subsequently, I discover that I have been switched to the " Paperless '' delivery option without any notification. When I bring this issue to their attention, they blame me for selecting the " Paperless '' option. Truist Bank is the only bank I have encountered that changes statement options without notifying the customer. I hope this complaint prompts them to review with their IT team to identify the cause of their system automatically changing the statement delivery option even when the customer selects " Mail Only. '' In the meantime, I request a refund for the fees incurred. Thank you.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to 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 non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to 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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. Rectifying these issues promptly is crucial to ensure the accuracy and fairness of my credit profile. 

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : Inaccuracies exist in the reporting of late payments on my credit report. 

2.Credit Utilization : Reporting of credit utilization on my credit report contains inaccuracies. 

3. Personal Information : The reporting of personal information, such as names, addresses, phone numbers, and employers, is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information. 

5. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ). 

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ). 

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with XXXX, Equifax, and XXXX. 

9. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested. 

10. Correction of Personal Information : I request the correction of personal information to reflect only one name ( XXXX XXXX ), one address ( XXXX XXXX XXXX # XXXX XXXX TX XXXX ), one phone number ( XXXX ), and no employers. 

11. Deletion of Personal Statement on XXXX Report : I request the immediate deletion of the personal statement on the XXXX consumer report and the balance of credit scores. 

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, Equifax, and XXXX XXXX  concerning my consumer report. 

13. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened an account online with Truist Bank on XX/XX/XXXX. On the XXXX they sent 2 notices saying my account was being closed so to items from XXXX XXXX report. It stated that I could call and get my funds in the account from the branch. I called and spoke to their fraud department on XX/XX/XXXXXXXX  and they said I they couldn't tell me why the account was closed, but that I could go to the branch and get my funds that were in the account. I have went on Saturday the XXXX and Tuesday the XXXX and they said they couldn't give me my funds without approval. XXXX XXXX the team leader at the XXXX branch in Virginia told me that they started a case and I could come back in 2 days. I returned on XX/XX/XXXX, to be told that I was still not allowed to receive my funds. And then they stared the case just then. Every time I come in, there is no notes and I am left to start the process over. The 2 letters state I can receive my funds at the Branch yet they refuse to give me my money. Please make the bank follow the law and give me back the funds that were in the account when they closed it on XX/XX/XXXX. It has been 31 days and I am not allowed to receive money I deposited into the account before it was closed.

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 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I was notified by my bank ( USAA ) messaging, and also by email, that a person, who is of no relation to me, was able to add himself/ his information to my bank account. 

The notification read " you were recently added to the personal profile of XXXX XXXX. If you have questions, please call ( us ) '' When I accessed my account, however, I found that this person was listed as a child of mine, listed along with my actual son, and my wife. There was no " confirm '' option, nor was I ever given an opportunity to confirm this change to my account. 

I called USAA today and explained the situation, they did some work behind the scene and the name was removed from my account, however they were not able to provide an explanation as to how this persons information made its " way onto my account in the first place, given that I did not authorize it. 

The persons name is no longer on my account, and the rep with whom I spoke indicated that she was surprised that it was removed so fast and surmised that " the system must have corrected itself '' ... I shared my concern with a coincidence of this convenience, given that I called in and then, suddenly, the name is removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal 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 non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX, A charge was made on my CitiBank credit card of {$5600.00} without my knowledge. I saw this charge when I went to pay my monthly payment on XXXX. 
I immediately notified Citibank of this problem. Talked with several people before finally getting the fraud Dept. and was told they were opening a case. Fast forward to today, XX/XX/, after repeated calls, back and forth between the Billing dispute dept. ( which it is not ) and being told multiple times someone was going to take care of it, I call once again to be told " ok We will open a case ''. Are you kidding me? As I have been typing this I have been on hold to speak with a supervisor in the fraud Dept. XXXX, has reached out to me and reassured me that a credit would be on my account within 2 to 5 days and a charge back would be sent to XXXX XXXX XXXX. My hopes are up that she will keep her word and finish this nightmare for me. 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 monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Received a letter from Wells Fargo XXXX XXXX. I called the XXXX number and was told that the answers I provided were accurate and that they owed me {$1100.00}. The agent said I should receive these funds in 7-19 days. As of today, XXXX XXXX, I have spoken to 7 agents who have repeated told me that these funds have not been released AND THAT IT COULD TAKE UP TO 45 DAYS TO APPROVE AND THEN LONGER TO MAIL. If the courts have determined they owe this money, why are they not cutting the check since this was from charges from XX/XX/XXXX and ending XX/XX/XXXX. They refuse to expedite this payment. What recourse do I have? Reference # 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 monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
With in seconds of each other Experian closes one complaint while working on another which both HAVE THE SAME PROBLEM WHICH YOU REFUSE TO FIX UNLESS I PAY YOU, EXTORTION, EXTORTION, EXTORTION

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 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NY

Complaint narrative:
On XX/XX/04 American Coradius International received my letter USPS tracking number XXXX  and which stated ... ... ... ..I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim.. No one wrote be back this needs to never report on my file and blocked! I have no idea what this is plus they are in default!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Back in XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX, illegally took XXXX out of my checking through a court order. I called the firm to let them know that I knew nothing about the account theyre referring to and requested that I get my money back, but the law firm has been refusing to give me my money back. I have been going back and forth the them since XX/XX/2023, but they been refusing to refund my money. I just would like to get my money back.

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