vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I reported Suntrust to CFPB a few weeks ago for invading my privacy by sending strangers to my home for no reason. The complaint ID for my complaint is XXXX. The response was laced with misinformation and flat-out lies. I also wanted a response as to why SunTrust decided to only grant XXXX  months of forbearance when I requested 6 months. As such, I sent several emails to the rep that responded to the CFPB 's complaint, called SunTrust, and requested to speak with the person who is tasked with managing my account during forbearance. However, I am yet to receive a response from either one of them. 

I contacted the bank again a few days ago after receiving a statement that shows {$12000.00} due by XX/XX/XXXX XXXX see attached statement ). On this statement, you will also see several {$20.00} charges ( the rep stated she was going to address this in her response to my previous complaint ) for " home inspection. '' My monthly mortgage payment is XXXX. I have not paid since XX/XX/2021. Therefore XXXX XXXX = {$11000.00}. According to the Cares Act, no additional fees are supposed to be assessed against a loan that is in forbearance. To date, no one is willing to speak to me to address this issue. What is the reason for the additional {$1600.00}? 

In her response to the complaint ( XXXX ), the agent stated no one should be coming to my home since the account is in forbearance. Why are they still coming every month? In my previous complaint, I asked SunTrust to cease and desist ( even delinquent accounts that are not in forbearance can ask banks to cease and desist in-person visits ) but this has done nothing to stop SunTrust from sending people to my home, peeping in, taking pictures through the blinds, and walking around my home. 
At XXXX this morning, XX/XX/2021, Suntrust sent yet another agent to my home, peeping in and taking pictures through the opened blinds, walking around the home, taking pictures of the mailbox, and leaving an " urgent notice '' on my front door. My cease and desist was ignored by SunTrust. 
In summary, SunTrust has ignored my cease and desist request and refused to address concerns that I have regarding unauthorized fees on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  XXXX should not be reporting to XXXX  ; XXXX  and Transunion that I am ( 30-60 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX  and they assured me that no lates would report to the bureaus on this account. XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX to correct this however, I have not been successful.

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 2021-02-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX  XXXX should not be reporting to XXXX  ; Experian and XXXX  that I am ( 30-60 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX  and they assured me that no lates would report to the bureaus on this account. XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX to correct this however, I have not been successful.

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 2021-02-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX  XXXX should not be reporting to Equifax ; XXXX  and XXXX  that I am ( 30-60 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX  and they assured me that no lates would report to the bureaus on this account. XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX to correct this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, I have had an auto loan with XXXX XXXX ( it is now paid off ). In XX/XX/XXXX I submitted a payment for the XXXX & XXXX loan amounts that were due, however, due to COVID and the XXXX holidays, I did not see the check being delivered or cashed by the Bank. When I called to check on status of the check being received on XX/XX/XXXX, I was informed that the payment was not yet received and it was reported as 30-days delinquent to TransUnion. Immediately on the phone I processed a payment to bring the balance up to date, and two-days later the check was received and cashed by the Bank. 
XXXX XXXX  informed me that they were experiencing mail delivery delays due to the Holiday season and the effects of COVID 19. I asked the bank to remove the delinquent reporting since it negatively affected my credit score, and a dispute was initiate ( dispute # XXXX ). In XX/XX/XXXX, I received an alert from TransUnion that the negative mark on my credit report was removed, only to find out few days later that it was re-instated and again resulted in a negative impact to my credit. 

One would think that, especially during the COVID crisis, this Bank would work with its customer favorably, especially when no loan defaults occured and the Bank was 100 % made whole in a timely manner. 

Regards, -XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: NY

Complaint narrative:
KeyBank advertised online that they would apply a {$200.00} promotion after a qualifying direct deposit within 60 days of account opening. I specifically followed that advertisement to open an account and satisfied the terms immediately. The bank never applied the promotion. I researched and the terms said it could take up to 90 days to apply to the promotion so I waited patiently. After nearly 90 days, I contacted customer service and they say they have no record of me signing up with the promotion despite me stating I ONLY signed up because I saw the promotion and followed the advertisement and subsequent steps. Now Im told because the promotion is expired ( after I've waited the indicated period of the promotion ) that there is nothing customer service can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX should not be reporting to Equifax and XXXX  that I am ( 30 days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX XXXX and they assured me that no lates would report to the bureaus on this account. XXXX XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX XXXX to correct this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX should not be reporting to XXXX  and Transunion that I am ( 30 days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX XXXX and they assured me that no lates would report to the bureaus on this account. XXXX XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX XXXX to correct this however, I have not been successful.

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 2021-02-18 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: LA

Complaint narrative:
experian will not update my score 2nd request

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 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
These are medical bills that have the incorrect amounts. All of the collection items from United Revenue Corp says that I owe {$840.00} for medical services. This information is incorrect and a violation of HIPPA law and I have repeatedly asked to remove the accounts and they refuse.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: CBC Companies, Inc.
State: LA

Complaint narrative:
XXXX  will not update my score 2nd request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Robin Hood will not let me withdraw my funds. I have attempted to contact them on several occasions but all I get back is a form letter and they do not follow up on additional inquiries. I can deposit funds and trade but they refuse to let me withdraw. I keep getting an error that says " withdrawal locked ''. My funds are marked as available in my account. I have submitted 3 tickets and I get no response other then a canned response. 


XXXX case opened. Canned response did not answer follow up. 
XX/XX/XXXX another case opened. Canned response did not answer follow up. 
XX/XX/XXXX another case opened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
XX/XX/21 - i contacted Coinbase customer support online ( its the only way ) regarding a 2FA problem i was having. they responded on XX/XX/21 with some generic email with troubleshooting links and told me to respond to the email if i have more issues. My issue was their XXXX  website was not allowing me to upload my DL photo as they required to fix this problem. On the same day we had another email exchange with them responding thank you for allowing us time to review the account. I have yet to hear from them since. i have emailed them again and again with no response. Privacy is an urgent issue and shouldnt take this long. These companies should be required to have a live customer service person or at least a live chat to solve these issues immediately. i not only need my tax forms, but i need access to my money asap. These tech companies shouldnt be allowed to operate in the U.S. without some type of real customer support, emailing and receiving a response days later to an urgent PRIVACY issues is absurd and ridiculous. If you dont want them to have customer service for general small things, than at least for a privacy issues they should have a live person being able to verify my account etc and fix the problem. This is an issue that could've been fixed within 15m and now its days. What is going to happen if i cant access my money and someone steals it? is Coinbase going to be liable? I'm furious because they have options to contact via XXXX, yes XXXX, but not a live person, which is absolutely absurd. 

A fair resolution would be for this company, Coinbase, to reset my 2FA in a timely manner. If you're going to have an email exchange than it should be within 24hrs response, and the privacy/account issues need to be escalated to the top. In reality they should have a live person to call when it comes to these issues. I think the XXXX  or whatever agency should not allow these companies to do business without it. I can receive robocalls all day about a Car Warranty i dont have, but when it comes to important financial matters with my money i cant get a hold of someone. How ridiculous is this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX companies are pulling my credit report causing inquiries through equifax I have called fem sent in all documents and they are still on my report they are unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Fleet Financial, Inc.
State: SC

Complaint narrative:
There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. XXXX/ILENDINGDIRECT/XXXX XXXX : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/21, my checking account was debited for two automatic transitions in the morning. These funds were deducted from my account. 
The evening of XX/XX/21, I over drafted my account and was assessed a {$35.00} fee. 
On XX/XX/21, my account was hit for two other {$35.00} fees. I called Bank of America and was told that this is because the transaction posting order was changed by Bank of America so that the fees could be assessed. They were unable to reverse the charges at their level and advised I submit a complaint. 
This is wrong in terms of how items actually posted and wrong on Bank of America 's part in an attempt to take from customers already facing difficult situations - particularly those suffering because of the ongoing pandemic.

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 2021-02-18 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I took Wells Fargo to small claims court on XX/XX/XXXX for violating the rules about a claim I made using my Wells Fargo VISA debit card and won. The judge entered his ruling on XX/XX/XXXX saying that Wells Fargo had 30 days to pay me but has not done so. I am owed {$9300.00}. 

I took Wells Fargo to small claims court in XX/XX/XXXX and also won and had this exact same issue where they did not pay me within the 30 days I I had to write to the Consumer Financial Protection Bureau in order for them to finally pay me what I was owed, so this seems to be a pattern with Wells Fargo and I wonder if other consumers are complaining about this.

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 2021-02-18 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

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 2021-02-18 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - XXXX # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

2. XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX XXXX XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXXXX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX is not reporting accurate information as a result their inaccurate reporting is negative impact on my credit. 
XXXX XXXX has not updated my account with the credit bureaus since XX/XX/2021. 
I have called numerous times, it has been explained to me XXXX XXXX system was hacked but the issues they had has been resolved, they have not. 
I was in the process of buying a car and needed all my revolving accounts paid down, My car broke down and I am forced to rent paying {$300.00} a week. XXXX XXXX  reported me over the credit limit on XX/XX/2021, with a balance of {$800.00}. The balance currently reporting is NOT accurate. My current balance with XXXX XXXX is {$250.00}, I must have this corrected immediately.

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 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has on my credit file some inquiries that are inaccurate and need to be removed. I have in fact sent this information to the bureau previously.

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