vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I'm having issue due to covid I called to get some help and XXXX XXXX, said she couldn't pull up my information to help me because she's having system issue. When I asked for a call back she said she couldn't do that I will have to keep to check when the system is back up and running to get help. I was able to speak to XXXX agents prior that was able to pulled up my information and try to help me. But with XXXX while I was on the phone with her as soon as I mentioned I need help due to covid, I couldn't get help when the automated system was working perfectly. While on the phone with her trying to get help, she said she couldn't help me I'll have to call back when I asked for a call back she said she couldn't do that neither and she hang up the phone and said have a good. She wasn't helpful at all, she make me feel less than a customer, she didn't seem like she wanted to help me at all. 
XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I went to get an estimate for the sale of my used vehicle through XXXX, XXXX. XXXX 's records indicated a different mileage amount ( XXXX ) than what is displayed on my vehicle 's odometer ( XXXX ). I was advised to contact Experian XXXX, operating under the company label XXXX, to revise the issue. 

I contacted Experian XXXX, who confirmed their records indicated the XXXX number. I was advised that I could purchase an XXXX report from them for {$24.00} that contains this information. 

I informed them of the discrepancy between their records and mine. I explained that my records were from a recent Illinois Vehicle Emissions Test ( XX/XX/XXXX ), as well as an auto repair facility that completed repairs to make my vehicle emissions compliant, and that I could supply these records to them. 

The representative at Experian XXXX explained that the company would not, under any circumstances, update its records to match my information, even if I provided records with this information. 

Experian XXXX is the publisher of this incorrect information, under the name XXXX. As potential buyers may rely on the XXXX information to estimate the value of the vehicle, the incorrect record reported by Experian XXXX has a negative effect on the valuation of my vehicle. The uncorrected record will also influence the valuation for future owners. 

On XX/XX/XXXX, I submitted a complaint to the CFPB about the above issue. I supplied records with the correct information and requested that Experian XXXX fix their records, and provide a copy of the updated report showing the fixed record. 

On XX/XX/XXXX, Experian XXXX responded but did not fix the record. Their response requests that I contact XXXX about the issue. I have already contacted XXXX, and I was informed that XXXX would not fix the issue.

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 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
They debt was disputed twice sent letters to the company asking to validate debt asking to show proof of services rendered and yet have to receive anything. Called several times and no one seems to care or look at the dispute. One representative will say we are still looking at it and the next said we sent you something already within the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have XXXX accounts with Truist Bank, Formerly Suntrust Bank. XXXX is a mortgage the other is a checking account. During the merger I can no longer access my checking account online. My mortgage account is there but not my checking account. I can't move money around, get my balance or use a debit card. I have tried calling Truist Bank, on hold for hours, gave up. Went to branch offices, wait time was an hour to see someone. Went to another branch office after speaking to a person, she was able to access my checking account and print out a copy of my last statement. This took her 20 mins. She did not have the ability to fix the online access. So if I want to find out how much or if there is any money in my checking account I would have to go to this branch office, wait for 30 or 40 minutes to speak to someone to have them tell me whether or not I am overdrawn, low balance or no balance. I have moved most of my money to another bank, but since I am never sure of exactly how much is there I can't close this account. Truist has got to be the worst bank I have ever dealt with. 
I am XXXX XXXX XXXX and don't need this 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 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
I originally applied to refinance my mortgage with Flagstar Bank on or about XX/XX/XXXX. The original loan estimate was for a {$640000.00} mortgage at 3.125 % with XXXX points. I have responded to every request for documents, usually within an hour or two of the request. My credit is very good ( XXXX  score around 750 ) and we got a good appraisal of {$850000.00} dated XX/XX/XXXX. On that date the only thing we were waiting on was the appraisal, and when that was delivered I thought the closing was imminent. Because of delays and apparent understaffing, mismanagement or incompetence at Flagstar Bank, however, no closing occurred and that original mortgage morphed into a {$640000.00} mortgage at 3.25 % with XXXX points, and now they are offering a jumbo mortgage of {$680000.00} at 4 %. I have been very diligent in communicating with them, and usually I must wait a week until I hear back from them, if ever. I have left numerous phone calls that have not been answered. I believe I have missed the best opportunity to refinance my mortgage and get in a better position financially because of Flagstar Bank 's incompetence, mismanagement or incompetence. Their online tracking tool originally showed a closing date of XX/XX/XXXX, then XX/XX/XXXX, and now here I am a week later and there is still no closing in sight. I am hereby requesting your assistance to get my mortgage refinance completed at something approaching the original terms.

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 2022-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Case # XXXX My online acess with Penfed Credit Union was blocked for suspected fraud. I have a checking account and a joint savings account with my husband. I called and verified the transactions. I was not allowed to speak directly with the fraud department. The person filled out a report and said someone would be in contact with me. When I didn't hear anything back, I called again and was told I needed to submit a bank statement. The transfers were made to an app that does not generate bank statements. 

I took screenshots that showed the transactions in question along with the name, account number, and routing number, I uploaded those to the website url I was given. Per the website I was told I'd hear back within XXXX hours. I did not hear back, so contacted them again. I received an email that the documents were forwarded to the appropriate department for review and I would hear back in XXXX hours. 

I still have not heard back, can not access my online banking, or any funds. I have never had issues verifying transactions with any banking institution until now.

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 2022-02-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXX XXXX daughter  PLEASE HELP ME PLEASE

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 2022-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Date Incident Happened : XX/XX/2021 Basically i was using a app called Paypal which is extremely known for having terrible customer service. They recently limited my account and asked me to verify a couple of things. After i verified i woke up to a message saying that i have been permanently limited in other words ( banned ). This is absolutely absurd i have not broken the XXXX. They dont even respond to my messages instead they give me automated responses. Paypal does not care about there users. The items i sell are digital goods they dont require tracking or anything i accept the money through friends and family. This is insane! 

My Email Used In Paypal : XXXX Please Text Me Back At This Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
We terminated an employee in XX/XX/2021 who was an XXXX on the TD Bank account on the ETreasury side. We worked with our local branch to have everything set up correctly and to remove that person from our account, however, they only corrected XXXX of XXXX sides. We've been reaching out to TD for several months to correct this issue on the ETreasury side. No response. Every time we contact the call center, they inform us we must speak to the treasury supervisor XXXX XXXX who has not returned our calls. We've been given other names that we can't even leave a message for, but never answer the phone. The XXXX still shows the person terminated in XX/XX/2021 and we can not add our new employees. 

XXXX XXXX XXXX University XXXX, SC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-25 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: TX

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Good afternoon, This is in regard to my original complaint # XXXX. The refenced complaint # was filed on XX/XX/2021 @ approximately XXXX. In addition to this complaint, I have emailed XXXX, XXXX XXXX XXXX XXXX, XXXX now XXXX times. On XX/XX/2021 I mailed a letter to you that included copies on emails sent, and ive since sent more. XXXX, XXXX XXXX XXXX XXXX, XXXX, have ignored all attempts to contact & the situation is still not rectified. 
Capital One verified this debt was not mine. They have now garnished my taxes, how can they garnish when attempt to payment was made? I never missed payments on this account even though it is not mine. Payments stopped due to XXXX, not due to me. They can NOT PROVIDE PROOF they tried to contact me to reopen this account for payments. After receiving the letter about possible garnishment I, as mentioned above, have contacted then now XXXX times to try to discuss this matter. I am more than baffled that the credit bureaus have deleted this account because they did not have the supporting documentation, as this account is not mine. Yet, I am still receiving letters in regards to this and am now being garnished when they fail to communicate. Garnishment was not necessary. This issue needs to be resolved and communication back in response to my emails and phone calls needs to take place. I am not someone who does not pay on accounts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, 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 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 non-monetary relief
Consumer complaint received 2022-02-25 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 without 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-25 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 without 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation