vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In the middle of XXXX ( XXXX ) my husband and I deposited two checks from XXXX from one of our XXXX to help with XXXX XXXX/few other expenadures. B of A put a hold on them and said wed get x amount in 3 days and then the difference something like 8 days later. It was around XXXX. Thats all fine and dandy, figured that was going to happen. However, on the day before we were set of get the first deposit, I tried to log into my account and couldnt on my XXXX. My card also got declined. Embarrassed, I tried to log into my app but it would it wouldnt let me either. After trying multiple times, resetting the password, and going to the ATM to withdraw money- I went into the bank for help. They pulled me aside and put me on the phone with the fraud department. The fraud department said they had closed our joint account as well as my personal checking. I was flabbergasted. They refused to tell me why and said it was at B Of As discretion and in our terms. Fast forward, were 86 days into this. B of A admits the checks had cleared from XXXX but theyre still processing the closure. They cant return our money until the account had been closed. We asked for a review three separate time, even asked for a hardship review. All denied. One of the supervisors let it slip a few days ago that B of A thought the checks were fraudulent. One of them suggested my husband go to XXXX and get proof ( out side of the fact that the checks cleared XXXX and they havent pulled them back yet ) XXXX said no, as XXXX cut the check and we werent customers. Called back B of A they now claim theyll call XXXX. We even offered to show them the emails from XXXX  verifying the amount, etc. They declined that. Weve been calling almost every day and B of A keeps pushing out the closure date, and telling us theyre entitled to reasonable amount of time to do so. It will be 3 months here in a few days. 
This has caused us a substantial amount of hardship.

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 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have been a long term customer with Capital One. I have a secured card that I have had exceptional payment history with. The card still isn't secured, and Capital One sent solicitation for an unsecured card. I applied and was denied for a false reason. I called and requested a reconsideration and spent about 20-30 minutes with the agent explaining my situation. She stated that *she would have the back office manually review the application and to wait about 5-7 business days*. Just minutes later, I receive a denial reason for the exact same information. 

I also sent correspondence to the executive office. I was told by a case manager *I will have your secured card reviewed manually*. I was called the next day and was told that there was nothing they could do. 

I have not been treated fairly or correctly at Capital One, and their support process is shameful. I feel as though I have a " flag '' because of my situation, and that I'll never graduate this card or receive an actual reconsideration. Another case manager called me today and said " reconsiderations are not manually reviewed, it's done by the system '', and then said later " yes, they manually review the application but the decision is still being due to your credit report ''. 

I've asked for information for mailing or emailing correspondence from my attorney due to the discrimination factors and lack of truth in these matters, and the company has refused to provide it, and stated, " we don't have a legal department ''. 

I will have anyone and everyone avoid this company for their lack of customer advocacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: EdFinancial Services
State: TN

Complaint narrative:
I requested a refund for student loans that i completely paid off from Edfinancial Services on XX/XX/XXXX for the amount of {$16000.00} which I paid on XX/XX/XXXX. When I called to ask for a refund, they stated that it would take 6-8 months for them to reinstate the loan. Why is it taking them this long to reinstate, and possibly affect my loan forgiveness, especially when other major student loan providers have a 72 hour reinstatement timeline? Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Good afternoon. 
After an investigation By XXXX XXXX XXXX XXXX, XXXX XXXX ( Case number XXXX ), into my XXXX XXXX account number XXXX. 
XXXX XXXX issued a final bill for the Total amount of {$980.00}. 
Last month I did pay {$95.00} off {$980.00} and now XXXX XXXX are trying to collect the wrong amount of {$1900.00}. 

Thank you for your help. 
XXXX XXXX XXXX and XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY 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 2022-09-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I had 4 inquiries on my report> I called experian as they said I cant dispute those online. I asked them to investigate and have them removed and agent refused. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be 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 2022-09-09 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: EdFinancial Services
State: MD

Complaint narrative:
WITHOUT ANY WARNING WHATSOEVER, EDFINANCIAL HAS RE-ALLOCATED MY PAYMENTS AGAINST MY EXPRESS INSTRUCTIONS. In particular, my payment of {$1000.00} towards XXXX XXXX from XX/XX/XXXX has been re-allocated between XXXX XXXX  and I without any instruction from me, and my payment of {$200.00} towards XXXX XXXX from XX/XX/XXXX has been re-allocated between XXXX XXXX  and I without any instruction from me. This is bordering on fraud because Edfinancial is suspiciously re-allocating payments to keep me from paying down XXXX XXXX before payments resume in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2022-09-09 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: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2022-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United Consumer Finance, Inc.
State: CT

Complaint narrative:
They restricted me from making a payment online and wouldnt respond to me. Said if I didnt make the payment they were repoing the car. It is less then 2 months behind and Ive been making payments. Then they suspended me from using the online portal to make any payments at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have removed my consent for this company to report my nonpublic private consumer information. 12 CFR 1016 Privacy of Consumer Financial Information ( Regulation P ).

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 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: KEYCORP
State: NY

Complaint narrative:
First call was on XX/XX/XXXX to Key Bank via chat, I called to report that a charge was made to my checking account that I did not make - account was cancelled 2 years ago for {$72.00} to XXXX. Key bank employee said that she would take care of, Also, the rewards credit that I have charges are not going through, Again, employee said that she would take care of it. 

Checking charges and found that I was charged for the {$72.00} - employee did not take care of and rewards credit card charges are not going through, Bills are paid from this and bills are not being pain because this account has a block Called again on XX/XX/XXXX and asked why the employee did not fix the above problem. She said there was a convenient " block '' so there did not fix and nothing was done - payment was made incorrectly to XXXX and rewards charge card not fixed, Again, my called got block so nothing was done. 

Why is this happening? Key Bank is paying invalid bills and blocking bills that I authorize. Please note the majority of the time when I deal with Key Bank they are very helpful and pleasant. Last 2 chats ( XX/XX/XXXX and XX/XX/XXXX ) the employees are the opposite, they are lazy and deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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:
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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:
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Velocity Portfolio Group
State: GA

Complaint narrative:
In accordance with the Fair Credit act CKS PRIME INVESTMENTS , LLC Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2022-09-09 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: IA

Complaint narrative:
XX/XX/XXXX {$1200.00} Amount charged for goods never delivered. 
Disputed the charges capital one on XX/XX/XXXX capital one sided with Merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: DE

Complaint narrative:
In accordance with FAIR CREDIT REPORTING ACT XXXX account # ending XXXX from XXXX XXXX XXXXXXXX BANK 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 It also states that a consumer reporting agency can not furnish my 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 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
Pursuant to 18USC871 act of extortion for any alleged debt owed is a violation of consumer law. According to 18USC8 anything purchased with my SSN ( personal identifier ) is an obligation of the United States and anyone attempting to collect a debt is guilty as pursuant to ( FCA ), 31 USC ( XXXX ). This debt is to be discharged at once in remedy of the natural person

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 applied online and was approved for a Truist XXXX XXXX card, credit card ending in XXXX was issued and received by me. On XX/XX/2022, I utilized the credit card pre qualification link on the banking website. The system approved me under Application ID : XXXX. The Truist XXXX XXXX XXXX credit card ending in XXXX was issued and received by me. On that same day, I applied for a Truist XXXX  Checking account and received email approval under Application IDXXXX for account number ending in : XXXX. On XX/XX/2022, the Truist credit card pre qualification link approved me for the Truist XXXX XXXX card under Application ID : XXXX. On XX/XX/2022, I received an email from Truist advising that debit card ending in XXXX is on the way, I never received it.Three small dollar balance transfers were completed by Truist to card ending in XXXX ( documents attached ). Also, I have attached the interest rate disclosures sent with card ending in : XXXX and XXXX. My reasoning behind applying for the multiple cards in a brief period is that I do not allow any of my individual credit card to reach more than thirty percent of the total credit limit. My listing of credit cards with all major credit reporting repositories will show significant credit lines along with monthly payments on each card totaling much more than the minimum payment. Additionally, my credit reports reflect a newly opened non escrow mortgage from fourteen months ago, showing on time payments and a balance of 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 2022-09-09 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I received a bill for an Apple card via email. I called apple and reported that I did not open an account. They told me the could start a fraud case but it would not be settled until I filed a claim with you and the police and reported it to 3 credit agencies. This all happened over the last week. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I sent a payoff check to Nissan they received it on XX/XX/XXXX then sometime after lost the check so I had to end up re-issuing them another check which was then cashed and the loan was paid off. I followed everything in the letter that Nissan responded to you guys from an earlier complaint. And then that letter they said to stop payment on the first check and have another check re-issued which I did and they said once that was received and processed that they would fix any mess ups on my credit report which hasnt happened yet because it saying I was 30 days late on XX/XX/22 and 60 days late on XX/XX/22. I have attached the previous response from Nissan to you guys from my earlier complaint, which outlines they would fix my credit report and reimburse me any fees and stuff I encountered from having to re-issue the check. Which they have done none of that.

Company response to consumer: Closed with explanation