vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint. XXXX ; Richard Owens Vs Bank of the West. on XX/XX/2023, the Bank of the West now BMO retaliated and closed my business account. This was done because of my race and retaliation for me filing a complaint.

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A wire transfer was sent to me from XXXX XXXX  XXXX XXXX for {$1.00}, XXXX on XX/XX/XXXX, a Friday. When the money had not arrived by mid of the next week, I called wells fargo and they said they did not see any wire transfers my way. I reported this to XXXX XXXX XXXX XXXX and they opened a tracing investigation. Last Wednesday, XX/XX/XXXX, almost a month later, XXXX XXXX  informs me that wells fargo has been holding my money for weeks in Compliance, even though wells fargo told me multiple times they had not received a wire transfer at all. I called Wells Fargo again on Thursday, XX/XX/XXXX, and i asked the rep to check with compliance. They finally admitted they have been holding my money due to an address error and now was cleared and would get the funds by Monday XX/XX/XXXX. The rep gave me a confirmation number XXXX XXXX XXXX XXXX and told me it was the consumer internal wire dept. All the calls are recorded by wells fargo as well so there is proof of this info. I called wells fargo on XX/XX/XXXX to find out why I had not received the funds and now I was being told that they do not see any wire transfers from that transaction. The supervisor XXXX was extremely dismissive even when I asked him to listen to the prior conversation and even gave him the compliance tracking number. I was given on Thursday. I now still don't have the money sent to me, over 1 month later, and no one seems to want to give me my money. I just need my money released and I'm tired of calling every couple of days. Only 1 rep was able to locate the money and now i'm being told it is non existent. XXXX XXXX  XXXX XXXX has also not received the funds back so wells fargo still has the funds

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 2023-03-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, comments are inaccurate, amounts are inaccurate, and credit/balances amounts are inaccurate. These are grounds for removal they also violated my rights under 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 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 2023-03-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, comments are inaccurate, amounts are inaccurate, and credit/balances amounts are inaccurate. These are grounds for removal they also violated my rights under 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: Nelnet, Inc.
State: IL

Complaint narrative:
I have been trying to get this Late payment off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it. 

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The financing associated with students education is part of their records and should be maintained private according to this law. Client did not opt in at any time for the bureaus to report their student education records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX _ {$770.00} XXXX XXXXXXXX XXXX _ {$1100.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2023-03-28 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX _ {$770.00} XXXX  XXXX XXXX _ {$1100.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry  : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am writing this complaint to XXXX. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Dear Sir/Madam, This is to inform you of a matter which I experienced with PNC in XXXX Al in XXXX. They have reported me to you which I believe there was no wrong doing on my part. On XX/XX/2022, I went to PNC located in XXXX, Al to deposit a check. I proceeded to go to deposit a check I received from working at XXXX XXXX in XXXX Al. I proceeded to go to the counter and he informed me that he needed my driver 's license before I can deposit the check into my account. I asked him if he remembered me because I came the previous day to open the account, and just because I asked him if he remebered he got vey angry and he said he didn't remembered me. He was person who helped me previously to open the account. 
I also asked him if I have to present my driver 's license every time I have to deposit a check and he said he said yes. I gave him by driver 's license and he deposited my check and I left PNC Bank in XXXX AL. ( Shortly after this ) The Next day I received by XXXX from PNC Bank Corportate Office in XXXX PA stating that I acted inapproriately and was disrespectful to the teller and I'm no longer welcome back into PNC Bank in XXXX, Al. they went ahead and closed the account and reported me to XXXX XXXX XXXX  and demanded me to withdraw all my funds immediately from PNC Bank in XXXX, AL which I did. 
I went to several banks to open a checking account and the banks declined my request. PNC reported this incident to XXXX XXXX XXXX. I would like the bad report to erase from my name so I can go to other banks and open my checking account. 
Thank You! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I was recently informed ( when I called the company ) VYSTAR that my debit card had been canceled due to suspected fraud. I went to the local branch today to get a replacement debit card and was told they had sent me a text message which I did not respond to therefore the card was terminated. 
I did not receive an email or mail notification that this was done. 
Heres why the complaint-they claimed a text message was sent on XX/XX/2023. They sent the text to my home landline ( which I no longer have ) claiming it was the number on file. That may be true however they could have sent an email or a letter stating their position. They did not. When I was at the bank today they changed the old phone number to my cellular number which is the only one I have. Calling later today to have my card verified they claimed they could only send a code to my old landline which is non-existent. I asked them to please send me an email with the code and was told they have no email on file for me. 
After that call I checked my account information and there was my email and cell number. 
Im sorry to have to complain about this company again but they need to get their act together. Its frustrating doing business with them. I will soon change banks but dread the associated change overs that come with that. None of their customer representatives seem to be based in the USA. 
Sincerely 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 2023-03-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
XX/XX/2023 phone call would not say who they represent but asked my social and knew my name said trying to collect a debt not the first time they called I keep asking what its about they say they wont tell me unless i give social which i am not comfortable doing got about 10 calls from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: Source Receivables Management LLC
State: IL

Complaint narrative:
I have been trying to get this Collection off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: LEXISNEXIS
State: NY

Complaint narrative:
I am writing this complaint to LEXISNEXIS. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Hyundai finance is not reporting my balance accurately to credit agencies. Even i paid the loan they aren't updating it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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:
I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Professional Finance Company and XXXX XXXX claim I took an ambulance ride in XXXX. I have tried to request records multiple times and proof that it was me and have never had a response from either company. I have left several voicemails, disputed it multiple times with all three credit reporting agencies, most recently in XX/XX/XXXX and XX/XX/XXXX, specifically demanding that they provide documentation that it was me, such as a signed statement, a copy of my ID, or any physical proof that it was me that took the ambulance, while providing the attached FTC ID theft report. I had a similar bill from XXXX XXXX from the same night, assuming that the ambulance was dropped there, however, I can not get any records from XXXX ambulance or Professional Finance Co, but they keep " verifying debt is accurate '' in my disputes to the credit agencies and will not provide any actual proof or documentation of the incident as demanded. The debt from XXXX XXXX was dismissed and removed because they did not have any copy of ID or valid proof that I received the treatment. 

Professional Finance company has never contacted me, has no authorization to report this to credit bureaus, has failed to respond to multiple inquiries and messages left for them for follow up, has not provided accurate proof in multiple disputes covering multiple years, and needs to be penalized for there absolute disregard to the law and Fair Credit Reporting Act Section 609 ( e ) relating to Identity Theft. I have provided my FTC filing for Identity Theft Report and they have still failed to properly furnish information required by law or respond appropriately by the laws and rights given to me. This must be removed from my credit report immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed a charge of {$830.00} was made through XXXX using my Capital One card. XXXX had processed this charge as Friends & Family to a XXXX. Capital One listed this charge as a professional service. 
I immediately ( on XX/XX/XXXX. ) contacted Capital One and disputed the charge and also requested a new card. I contacted XXXX and tried to dispute this charge, however I was told friends & family charges were not covered by XXXX. 
They advised me to contact the person who charged my card. This person ( XXXX ), has blocked me on XXXX and I am unable to contact him. XXXX advised me to contact Capital One. I did so on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Each time I spoke with an agent in the fraud department. I filled out all paperwork Capital One asked me to. I asked Capital One to contact the person who charged my card and ask them to also provide evidence of purchase/service/etc. I informed Capital One that I believe either my XXXX, my email or my XXXX had been hacked. Capital One never contacted XXXX. They never asked this person to provide evidence. They only contacted XXXX. I have pages of documentation of calls, letters of updates, charges reversed and then reapplied. As of today XX/XX/2023, I was informed by XXXX at Capital One that they would not investigate further and that they would hold me responsible for these fraudulent charges.

Company response to consumer: Closed with explanation