vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
XX/XX/2022 XXXX XXXX, XXXX. 
XXXX XXXX XXXX 
XXXX XXXX, SC XXXX Tel : XXXX Email : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Tel : XXXX Re : Seven-month experience in applying for a Home Equity loan with Truist Bank ( XXXX XXXX XXXX, XXXX XXXX XXXX SC XXXX XXXX that contradicts what is advertised. 

Dear Bank Manager : Truist website : Once all required paperwork has been received, the turnaround time from application to closing averages XXXX days, which is one of the fastest times among our bank peers. 
Seven months ago, I met with XXXX XXXX to discuss refinancing my Truist loan. 
XXXX XXXX assured me that a Home Equity loan was a five-six-week process and offered it as a better option for debt management. Her confidence and enthusiasm won me over, and I began submitting the required documentation on XX/XX/2022. 

XXXX months later, my loan remained stagnant with endless excuses and repetitive requests for updates from XXXX XXXX. Yet, all along, XXXX XXXX continued to tell me that the loan was on track with closure eminent. 

XXXX XXXX emailed me on XX/XX/2022, about an Attorneys secretary/paralegal ( XXXX ) XXXX XXXX after her computer crashed. XXXX XXXX followed up that email with a phone message on XX/XX/XXXX requesting once again for me to identify debts to be paid because of limited funding. I released XXXX XXXX from this seven-month, excuse-riddled, and confusing application process before it caused more difficulties in my life. I have delayed making a decision about work/retirement based on XXXX XXXX 's assurances. Also, interest rates are much higher now than they were seven months ago. 

I am asking for a review of my application to understand what happened to Truists written promise to close applications within 30-35 days. Why was I treated differently? 

Thank you very much for your time and consideration. 

Sincerely, 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 2022-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received a notice that a new account has been reported on my consumer report without written permission. This adverse action has affected my ability to live in a new apartment. I never have done business with XXXX XXXX XXXX and i have never gave then written permission to post to my consumer report. I never received a notice in the mail that i could dispute this alleged debt. This account needs to be removed immediately from all consumer reporting agencies. My consumer rights have been violated by XXXX XXXX XXXX not having the authority or right to post inaccurate information to my consumer report. Reported on XX/XX/2022 2022

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 2022-08-18 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: CA

Complaint narrative:
I pulled my report XX/XX/2022 ; and I noticed quite a few inquiries that I did not give written instruction/consent to. These inquiries are an invasion of my privacy 1. ) they have harmed my reputation ; I keep getting denied for having inquiries 2. ) I am emotionally harmed and will not extend credit or apply to anymore financial intuitions, 3. ) I have not been able to physically get a job Provide me with permissible purpose including my written instructions, the recipient source and the purpose ( credit, insurance or employment ) list inquiry or inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Celsius US Holding LLC
State: FL

Complaint narrative:
I opened an account with Celsius Network and transferred money into what I thought was a saving account with interest. The CEO of the company XXXX XXXX XXXX XXXX XXXX publicly assured customers like myself every week on XXXX that the funds are safe. What we did not know is that he used our money to fund other failing businesses. He tried to cover it up with new deposit. This is a clear definition of a XXXX Scheme. Celsius Network filed for bankruptcy and now all of our money are gone. XXXX XXXX XXXX and his associates are still playing around with this company and drawing substantial amount of salary every month using depositors ' cash. 

I hope that you would investigate this company and particularly XXXX XXXX XXXX and all of his associates in this matter. Hundred and thousand of depositors have lost their life savings because of them. This is another XXXX XXXX case. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
This company stole my identity and is now collecting on debts. All they've produced is photocopied bills with the address changed which they got illegally through data breaches. These guys haven't been able to produce a SINGLE SIGNATURE ON ANY OF THESE ACCOUNTS. They're even collecting on an account for XXXX XXXX. Who's that? Actually proof that you obtained my information illegally. They are fraudulently collecting on debts. They claim I was informed by the initial creditors that I was notified. They photocopied a letter from the internet and just changed the address on it or they would have USPS delivery receipts.

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 2022-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank closed my business account and business credit card even though I am a law abiding XXXX Business. I was totally honest and forthcoming with the description of my Business when opening these accounts. I poured my heart and soul into this business because of the love for the industry, getting and delivering second amendment rights to those who should responsibly handle those rights by conducting ATF and FDLE approved background checks. I am licensed by the Federal Government to conduct my Business. This type of discrimination is not fair nor should this type of bias be tolerated. I used my business credit card to build my business spend money using it and now can not generate income but yet expected to pay the bill even though they flat out demean me using discrimination of this type along with other Banks. In my opinion PNC Bank should have not allowed this business card and business account to be open in the first place if it is so against their political beliefs. They have wasted my soul, time, and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: New Century Financial Services, Inc.
State: FL

Complaint narrative:
I got a letter from a company new century financial services inc saying was sending a subpoena duces tectum without deposition to my credit union for a credit card that was fraudulently open in my name in XX/XX/2007. Learning this from the letter I put in a motion to vacate and set a hearing describing this is fraud. I never had a credit card, still DONT unless I can just put money on it to spend. This motion was denied, still do not have a date for this. Someone was using my identity apparently in 2007 and I am now paying for this. I need this to stop so I am putting in this hoping the person that did this is found. I am not paying for someone else stuff! I. Dont even know how I was not notified about this fraud until almost 20 years later!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: World Acceptance Corporation
State: NM

Complaint narrative:
World Finance is reporting a debt that is not mine. I contacted them today they could not give me any information regarding the loan. I never had a loan with this company. We are trying to close on our house XX/XX/15, hindering my ability to close. Loan number XXXX. I called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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. 

The following Account ( s ) : Debt Collector : XXXX : Collection Amount : {$2000.00} -Account. # XXXX -Debt Collector : XXXX  XXXX XXXXcollection Amount {$2700.00} -Account # XXXX -Debt collector : XXXX XXXX XXXX : -collection amount {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Dear Sir or Madam, I am trying to find help solving a financial issue with PayPal. 

On XX/XX/2022 my cousin XXXX XXXX attempted to pay me back for a loan of {$1400.00}. 
In order to receive the money, PayPal was asking for my Income Tax Information which I declined to provide. I don't give such information to any non governmental agencies because I have been a victim of identity theft before. 

Therefore, since I declined the transaction, I asked XXXX to cancel it and pay me the money in another way such as wire transfer to my checking account. 

PayPal is sending emails requesting that I pay them {$76.00}. 
They do not want to explain why I should pay them for a transaction that was cancelled. And I insisted, I never received the money. 

XXXX, my cousin, was told he needed to pay {$15.00} to cancel the transaction. 

I spoke with PayPal representatives at XXXX and they were only interested in collecting the {$76.00} They were not really interested in helping me. And they could not explain why I should pay for a money that I never received. 

I am kindly asking your help solving this issue. 

PayPal should cease and desist to continue sending emails asking me to pay the {$76.00} I would also like CFPB to add this letter to the PayPal 's file for poor business practices. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 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: MS

Complaint narrative:
Company reporting 3 loans on my Experian report past due. I have made payment on time and 2 of 3 loans are paid off.

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 2022-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Company report me late during Covid-19 and did not provide options for relieve in 2020. I was sick and wrote a letter for payment options because i couldnt talk for 3 months with long XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2022 I bought a plane ticket on XXXX and charged it to my Chase Credit Card ending XXXX. I cancelled the ticket the same day and XXXX issues a refund back to the card. The refund has never shown up, the amount was posted to my card and was never reversed or a refund issued. I have contacted both XXXX and Chase many times but they refuse to help and each claims its the other 's fault. I filed a DOT complaint and XXXX has responded with the following but Chase still refuses to help. I dont know how to resolve between these two companies. Attached is the response from XXXX in response to my DOT complaint. 


XXXX : XXXX - ( XXXX XXXX ) XXXX XXXX PersonalXXXX XXXXXXXX XXXX XXXX XXXX XXXX 1 hour ago ) to me -- -- -- -- -- Forwarded message -- -- -- -- - From : Customer Support XXXX Date : Mon, XX/XX/2022 at XXXX XXXX  Subject : XXXX - ( XXXX XXXX ) XXXX XXXX To XXXX XXXX XXXX XXXX Hi XXXX, Thanks for bearing with us while your note to the Department of Transportation was being reviewed. They have asked us to respond to you directly, and I have taken a thorough look at your concerns as they are very important to us at XXXX. 

XXXX, per our cancellation policy, a refund will only be allowed if the reservation is canceled within 24 hours of initial booking, provided the reservation was made seven ( 7 ) days or more prior to the flights scheduled departure. In your case, I found that you purchased booking XXXX on XX/XX/XXXX and cancelled it online the same day in which the funds of {$590.00} were returned to the XXXX ending in XXXX. At this time, no other refund is due. 

Please note that in cases where a refund is processed the same day as the purchase, the initial credit card authorization will not be processed but show as pending and will not post to the account. As such, the funds will be available in the account in a few days depending on the financial institution. Should this authorization become permanent and actually post to the account, Guests are asked to file a dispute through their financial institution. With that stated, I encourage you to reach out to the bank belonging t the XXXX account for further assistance if you found that the payment was posted to your account. 

If you have any other questions or concerns, please feel free to reach back out to me Im here to help. Otherwise, we hope to welcome you onboard again soon. 


Kind Regards, XXXX DOT XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: GA

Complaint narrative:
XXXX XXXX bank told me they would correct the inaccurate information on my consumer report but has yet to do so. XXXX XXXXXXXX bank had a billing error on my account and didn't mark the account as disputed. The inaccurate information on my consumer report has stopped me from being able to apply for credit. This has been very stressful and has made my life hard. I was told the information would be corrected from XXXX XXXXXXXX bank but they have yet to correct the information on my consumer repoort.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously disputed this public record with TransUnion, I dont recognize this public record. Please send me PROOF FROM THE COURT OF THIS PUBLIC RECORD, I DONT AGREE WITH THE RESULTS OF YOUR INVESTIGATION. PLEASE MAIL ME PROOF OF YOUR INVESTIGATION AND VERIFICATION OF THIS RECORD FROM THE COURT, OR DELETE THIS PUBLIC RECORD. TO DATE TRANSUNION HAS FAILED TO DO SO, TRANSUNION IS IN VIOLATION OF 15 U.S. CODE 1681 s- 2 ( b ) I have provided proof from the court that TransUnion failed to investigate the following account : Account Name : XXXX BANKRUPTCY/ Docket Number : XXXX. IN FACT THE DOCKET NUMBER TRANSUNION PROVIDED IS INVALID XXXX DOES NOT EXIST.

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 2022-08-18 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: FL

Complaint narrative:
Incorrect info from XXXX stating we were late in XX/XX/2022 and it showed on our reported pulled by lender for new mortgage when payment was made XX/XX/2022 posted and cleared XX/XX/2022 for mortgage amount of {$1100.00} and shows at XXXX that it was posted but they chose to commit fraud on all three credit bureaus for both my wife and myself. This payment is done online from husbands account. So now we can't get a loan even though payment was made and has been for one year. Phone calls and complaint files with XXXX has done no good. Please help us remove the incorrect info that XXXX has chosen to ruin our credit for us two XXXX  citizens in XXXX XXXX, Florida.

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 2022-08-18 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: FL

Complaint narrative:
Incorrect info from XXXX stating we were late in XX/XX/2022 and it showed on our reported pulled by lender for new mortgage when payment was made XX/XX/2022 posted and cleared XX/XX/2022 for mortgage amount of {$1100.00} and shows at XXXX that it was posted but they chose to commit fraud on all three credit bureaus for both my wife and myself. This payment is done online from husbands account. So now we can't get a loan even though payment was made and has been for one year. Phone calls and complaint files with XXXX has done no good. Please help us remove the incorrect info that XXXX has chosen to ruin our credit for us two XXXX  citizens in XXXX XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: FL

Complaint narrative:
Incorrect info from XXXX stating we were late in XX/XX/2022 and it showed on our reported pulled by lender for new mortgage when payment was made XX/XX/2022 posted and cleared XX/XX/2022 for mortgage amount of {$1100.00} and shows at XXXX that it was posted but they chose to commit fraud on all three credit bureaus for both my wife and myself. This payment is done online from husbands account. So now we can't get a loan even though payment was made and has been for one year. Phone calls and complaint files with XXXX has done no good. Please help us remove the incorrect info that XXXX has chosen to ruin our credit for us two XXXX  citizens in XXXX XXXX, Florida.

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 2022-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
This is about Comenity Bank for my Torrid store credit card. 

Every time I try to log in to the account website, my login doesn't work. One time I called and was told that I had to use all caps for my login user name. And that worked that day. Then I tried again another day and it didn't work. I tried to reset my account information and entered all my identifying information and was told that my account was not found. The hold time for customer support took for ever and then I got disconnected and had to start over with their phone tree. I gave up that day because I didn't have time. I tried again today. Again, a long hold time and then disconnected. I called back. The representative sent me an email with a URL to log in. That time it worked and he said to save that link in my bookmarks because there was a " glitch '' that accessing the login from the bank 's website at XXXX XXXX XXXX didn't work. This is completely unacceptable behavior that has persisted for weeks. 

I need reliable competent access to my account because I have paperless billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pulled my report XX/XX/2022 ; and I noticed quite a few inquiries that I did not give written instruction/consent to. These inquiries are an invasion of my privacy 1. ) they have harmed my reputation ; I keep getting denied for having inquiries 2. ) I am emotionally harmed and will not extend credit or apply to anymore financial intuitions, 3. ) I have not been able to physically get a job Provide me with permissible purpose including my written instructions, the recipient source and the purpose ( credit, insurance or employment ) list inquiry or inquiries

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 2022-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
XX/XX/2021 {$470.00} I DO NOT AND DID NOT CONSENT TO YOU TO PLACE THIS ON MY CONSUMER REPORT THIS NOTICE IS TO CEASE AND DESIST ALL ILLEGAL ACTIVITIES WHICH INCLUDES REPORTING CONSTITUTEs COLLECTION ACTIVITIES

Company response to consumer: Closed with explanation