vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion had misinformation on my credit report and failed to correct the misinformation in a timely manner. I have worked with them several times and their inaction is a form of harassment and selective discriminatory practice. 

The infor mtion that they have on my XXXX XXXX  account, my XXXX XXXX Account and on Progressive LEasing Account are all incorrect. 

As a result of their errors, an account was closed that should not have been, damaging my name and reputation and causing a FICO score to be lowered when I was improving my FICO score regularly for the past year.

TransUnion operates a monopoly and uses biased and systemically XXXX algorithms and they target consumers to force paying higher interest rates and higher cost of capital than is necessary, through manipulation, errors and biased and systemically XXXX programs,

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 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My XXXX XXXX XXXX son received an offer from Capital One XXXX credit card in XX/XX/2023. He is XXXX XXXX XXXX and won't be XXXX until XXXX XXXX Credit card companies should never ever be allowed to market to children. I'm shocked he received this in his name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( XXXX XXXX XXXXXXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( XXXX XXXX XXXX. 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-06 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: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
Hello, Toyota of XXXX did a hard inquiry on my credit report on XX/XX/2021. I was never present at this shop and did not give any consent for this. I was never even looking for a car! I have called them numerous times to try and have them explain themselves and handle it, however they always tell me some manager is going to call me back. I want this hard inquiry OFF of my credit history. I had no co tact with Toyota at any point about the interest of a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG FINANCIAL CORPORATION
State: IN

Complaint narrative:
I took out a personal loan at Check N Go last XXXX. The amount of the loan I believe was {$1800.00} with XXXX per month being paid per month for 18 months to pay off the loan. This was an installment loan not a payday loan. At the time the loan was set up I was sent to an app called pocket XXXX to manage the loan. I have not been able to access XXXX and have requested assistance through the company to be able to view the records and and each time have been told they can not figure out what the issue is with my login. I feel I have ran out of resources in which to turn for assistance. I have no other complaint with the company aside from them limiting my access to my account. I have never missed a payment and the loan is in good standing but they/their technology will not allow me access to my account records with CheckNGo/XXXX. Oddly enough while they have inhibited my access to the account records it has no impact on the scheduled recurring payments being withdrawn from my account. This does not seem fair and at this point the company is either unwilling or unable to assist me. The customer service has lacked every step of this. All they say is someone will follow up in 24-48 hours and there is never a follow up to my issue. I am very frustrated at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
I submitted a previous complaint on Ameris Bank on XX/XX/XXXX. CFPB XXXX number XXXX. 

The response I got on XX/XX/XXXX is unsatisfactory and has incorrect information contained in it. XXXX considers the case closed so I'm opening a new one. 

The issue is the grant payments from XXXX are not being correctly applied to my account. Ameris Bank claims that the amount of {$1100.00} was applied to my account on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. That's a total of 7 payments. 

That is incorrect, the payments received on XX/XX/XXXX, XX/XX/XXXX was sent in my electronic transfer from my credit union and not XXXX. I bank statements to show the withdrawals. So I made 3 of the payments myself.

When I checked with HAF they confirmed that as of XX/XX/XXXX they have sent in 4 payments on my behalf. The dates would be XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as near as I can tell. 

I do not believe Ameris bank has applied payments from my personal account or HAF correctly. Ameris Bank states that all 7 payments are from XXXX when indeed 3 of them are from me and the other 4 from XXXX. 

Furthermore, XXXX sent a payment in early XXXX for {$15000.00} to pay off my deferred balance of {$13000.00}. Ameris Bank stated in the XX/XX/XXXX letter they are investigating this with HAF, now we're in XXXX and no response yet. 

Additionally the HAF payments of {$1100.00} for XXXX and XX/XX/XXXX are not credited to my account as of this writing. When I call Ameris Bank they say they have not received them and when I call XXXX they tell me they have been sent on XX/XX/XXXX and XX/XX/XXXX. 

I'm sure there's an answer to this situation, I can not do anything more. I have also requested help from an email given to me XXXX which has not gotten a response either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: OK

Complaint narrative:
These accounts do not belong to me and are reporting on my credit report inaccurately. The name on the accounts and that equifax is not mine. The accounts below belong to XXXX XXXX not XXXX XXXX XXXX. 

XXXX XXXX : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: NV

Complaint narrative:
These accounts and inquires have been opened without my knowledge and consent and I want them removed immediately. 

XXXX XXXX {$440.00} XXXX XXXX {$7000.00} XXXX XXXX  XXXX {$1300.00} INQUIRY 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 2023-02-06 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: NC

Complaint narrative:
I received a debt collection notice from XXXX XXXX XXXX saying my debt was to XXXX XXXX XXXX, for XXXX but I now owe {$49.00} dollars. I submitted a dispute and called the recovery service and filed a complaint. They are " stopping collection '' while they look into it. They said this company is a gambling service. I have zero knowledge of this company and I don't gamble. They gave me a number to call, so I called the company. Of course, no one answers the phone, nor does anyone identify themselves on the message. I think that TRS and XXXX are both engaging in predatory behavior. The number for TRS is XXXX and for XXXX is XXXX. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I paid off this credit card and it had a XXXX balance on the card- the company has continued to charge interest and late fees even though the card was at a XXXX balance - the company has since charged off the card and affected my credit. There should not have been a balance on this card as it was paid off to a XXXX balance. The company has not sent me any statements and has locked me out of the account. I want the company to remove this negative remark from my credit report and write off the balance as this is not something that is owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I order a XXXX cake for XXXX $ and food for XXXX $ for a birthday party. I don't have a screenshot of their original date of purchase but I do have receipts from both merchants. They took both amounts from my account the day I bought them ( XX/XX/XXXX and XX/XX/XXXX ). That left my account at XXXX XXXX I got paid and they withdrew a XXXX  time. Lowering my balance. I can't afford grocceries now and I tried contacting them. They were in denial about the whole thing even tho my partner also saw the charges were charged the day after. I bought on XXXX after and that got double charged too. They're stealing my money and want compensation since it's been going on for awhile but I haven't noticed it until I looked hard and see my purchase date and withdrawal dates kept changing on the app. I don't have exact ss 's but I have screenshots below showing the pending yet they took money out of my account. They're going to charge me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2023, I opened a new checking account with Truist Bank, online. I created a login and was given access to my account, routing number and account number. I was able to log in without any issue, so I set up my company direct deposit to go into this account. 

A few days later, I tried to login to the account and received an error message stating that my account was locked due to security concerns. A friend of mine had also opened a new account and got the same issue a few days later. 

I called the number provided on the error popup and was told by an agent that they could not unlock my account, that I needed to come into the branch to fix this. This makes absolutely no sense as I have provided all of my personal info, identification, etc. 

I asked to speak to a manager and was put on hold for half an hour, and when the agent picked up, he pretended he couldn't hear me and hung up. I called back again and asked for a manager and was put on hold for another half hour and had to hang up because I have a job and can't sit on the phone with Truist bank all day. 

I believe they want customers to come in to the branch for a sales pitch, or because they want to limit the sign up bonus offer that they have out right now for {$400.00}. To me, this is a bait and switch signup process. They offer a very simple and easy online signup process that is too good to be true, they want customers to come into the branch and if that's true they need to state that upfront and not lie to prospective customers. 

By the way, they have my money and I am unable to access it at this time.

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 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
In XX/XX/XXXX i was contacted by Genesis Collections  trying to collect a debt from XXXX. I informed them then that this was not my debt and that police reports had been filed, a complaint was filed with the FTC and the original Creditor was notified about the filing and the identity theft. On XX/XX/XXXX Genesis Credit Management and Columbia Debt Recovery at XXXX have reported this fraudulent debt to my credit report inspite of them being notified that the debt is fraudulent and them being notified that all communication with the original creditor as required by federal law has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: CA

Complaint narrative:
My business several months ago started receiving large amounts of SPAM that is obviously the result of our PPP loan and discharge. The spam uses my business owner name and business name and offers " business loans '' using deceptive emails and directing to deceptive websites. Unsubscribe requests are not honored. 

I get 2-3 of these emails every day, and frequently from the same small group of companies that are likely spamming every single business that got a PPP loan XXXX 

The most recent email claims to be from a " XXXX XXXX XXXX '' which is the name of an actual bank that was merged into US Bank in XXXX, but which no longer exists. The address used is a XXXX mailbox and office-sharing company. I believe it is illegal of a non-bank offering loans to even use the word " bank '' in its name. 

Full email copied below : XXXX, I wanted to reach out and let you know that we are back to offering our term loan products due to the high demand from our current portfolio. In the past The XXXX XXXX had applied for a line of credit with one of our subsidiaries, so I ran a quick credit analysis and wanted to push out an offer in the amount of {$180.00}. 
The business loan is good thru XXXX XXXX and can be activated at any time. Since we offer a variety of business loans I would suggest you call one of our loan officers at ( XXXX ) XXXX to discuss the best structure for any upcoming projects. 
If you want to take a peak for all current available offers The XXXX XXXX would qualify for, click here on your custom portal. 
Should you decide to reply via email please state the dollar amount request so I can have the appropriate person reach back out. 
Sincerely, XXXX XXXX | Chief Credit Manager Phone : ( XXXX ) XXXX Email : XXXX If you no longer want to hear from us, click here to Unsubscribe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona 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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XXXX XXXX, 2023, I deposited a check for {$16000.00} from a large company in XXXX. It was a check in USD drawn on XXXX XXXX XXXX. The check was micro-encoded. Today is XXXX XXXX, and the funds still have not been deposited in my business checking account. On XXXX XXXX, Citizens took a {$30.00} fee from my account and sent me a letter ( which I didn't receive until XXXX XXXX ) that stated they had received {$16000.00} and sent it out for collection. XXXX XXXX was 9 days after I deposited the check. Why did it take 9 days to send out check? I called the phone number on the letter and was told it takes 6 weeks to deposit the funds. This is crazy... .6 weeks to clear a USD check from XXXX XXXX XXXXXXXX? A business check being deposited in a business account? I called other banks in my area with details ... ..they all told me 0 to 2 weeks.

Company response to consumer: Closed with explanation