vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Apparently someone opened a new checking account fraudulently using my name and social security number. the bank will not provide me with any information and will not close the account unless I complete a fraud package. 

I have a credit freeze with all three major credit bureaus and this bank should not have opened an account and now they are refusing to close it unless I complete their paperwork. 

They also will not disclose any information regarding the account to me and I have no way of knowing if I have been harmed in any way from this fraud. 

The name of the bank is Suncoast Credit Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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 have tried in many occasions and in different forms to contact the credit bureaus Transunion, XXXX and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. 
Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. 
the accounts in question are as follow : XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Bank Account XXXX XXXX XXXX Account XXXX XXXX Account 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 2022-10-03 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Nordstrom is reporting inaccurate information on my credit report about being late. They are Reporting late on XXXX and XXXX and on time on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: FL

Complaint narrative:
Hello as you can see by my previous reports, I am a victim of identity fraud. I have recently found out that there were new inquires on my report that pertain to Fraud, and other inquiries that are duplicates and inquiries I was told will not be a Hard inquiry but are and I have tried to resolve this issue with all 3 agencies and the creditors, and I am told by the creditors they don't have my information to remove so they can not help me and then i am told by the credit agency only the creditor can remove an inquiry which is not possible if they don't have me and were not authorized or duplicated. So, I would like these Credit agencies to take this more seriously when it comes to true fraud victims and disputes and not be giving the run around like I have been given. Seems like this is always an issue. Being I have Alerts, Fraud Protection, freezes, Locks, I pay for memberships on top of the memberships, and my reports come unlocked or unfrozen due to a quote-on-quote glitch in the system, I would expect it to be taken care of and listen to their customers if they actually read notes and reports. I have inquiries that do ot belong on my report I would like removed, whether fraud or duplicates i already spoke to the creditors and they can not help being they advised I was only ran 1x and the other couple were fraud.

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 2022-10-03 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XX/XX/2022 I sent a request to XXXX XXXX to validate a debt they listed. I gave them same info that they furnished to the credit bureaus. They responded telling me the information that I provided did not match any accounts that they have in their system. So I sent them a request to remove this account, As well as sending a request to XXXX, Equifax and XXXX with all documentation asking them to fully verify this account and provide me with that information or remove it. 

XXXX sent me a response that its " verified '' - funny how that works because the information was already said to be unverifiable by the company themselves. 
Equifax- doesn't do any investigation XXXX - updates comments stating it was verified but has zero communication with me. 

Ive included all correspondence as well as copy of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/2022 I sent a request to XXXX XXXX to validate a debt they listed. I gave them same info that they furnished to the credit bureaus. They responded telling me the information that I provided did not match any accounts that they have in their system. So I sent them a request to remove this account, As well as sending a request to XXXX, XXXX and Experian with all documentation asking them to fully verify this account and provide me with that information or remove it. 

XXXX sent me a response that its " verified '' - funny how that works because the information was already said to be unverifiable by the company themselves. 
XXXX doesn't do any investigation Experian - updates comments stating it was verified but has zero communication with me. 

Ive included all correspondence as well as copy of 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 explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a cashier 's check for {$37000.00}, issued by Bank of America, into my Bank of America checking account. They reversed the entry and said the check was lost, despite me having a deposit slip with the image of the check deposited into the 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 2022-10-03 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: GA

Complaint narrative:
I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Below I am listing all the accounts that I found was to be wrong. Account Name : XXXX Account XXXX This Account is only being displayed on Transunion and no other bureau. I have tried to dispute this account with Transunion but with no luck. Account Name : XXXX Account Number : XXXX This account is only being reported on equifax and no other bureau. I have tried to dispute this account and with no luck. I am not sure what company this. Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX This account has different dates from last reporting to date last active. Account Name : XXXX XXXX Account Number : XXXX This account does not appear on Transunion but the other two are reporting different information on 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 2022-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My current Paypal debit card was set to expire XX/XX/2022 and I received a new debit card as a replacement. On XX/XX/2022, I attempted to activate the new card via phone and online, but was unsuccessful. I called customer service rep was informed that I need to authenticate my identity. I supplied Paypal, via secure link, a copy of my drivers license, social security card and a current utility bill. Upon call back on XX/XX/2022, Paypal advised the social security number on their file did not match the social security card I supplied them. The rep advised the matter would be assign to a XXXX. I called again XX/XX/2022 and was informed by Paypal that they could not correct my social security number as evident by the card supplied them, and as such I needed to discontinue direct deposit. 
Paypal has a copy of my driver license ; a copy of my signed social security card wherein both the signature of driver 's license and social security match, and a copy of my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 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: NC

Complaint narrative:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: KY

Complaint narrative:
I called edfinancial on XXXXregarding getting a refund on the loans that I paid over the forbearance period. This was a total of XXXX dollars. I was told that I should see the balance back on my account in a week or so. I was not given a time period on how long I would get my money back. I have called again and they were not able to give me a time period. At this point I have no idea if my request have even been submitted. I have no email confirming whether the refund is in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TN

Complaint narrative:
BSI never removed a XXXX put on my property after loan ( XXXX ) was paid/satisfied in XXXX of XXXX. Property was in escrow and now can not be sold whereby I am losing hundreds of thousands of $ $ $ daily. I have contacted their CS Dept who has acknowledged that BSI dropped the ball on this. BSI CS has advised they are dealing with their " shadow '' internal " ROL Dept (? ) '' to get this resolved. However- the ROL Dept supervisor XXXX XXXX states she is actively working with their " vendor '' ( who also seems to be a shadow entity ) to get this resolved. Yet this tells me nothing more. No ETA - where they are at - NOTHING. I will not standby and have this happen to me and have retained legal counsel on standby if this does not get resolved ASAP. I have also contacted ( 6 ) of BSI 's Leadership/Sr Mgmt officers of the company with formal complaints as of today. I also will be reporting them to the Consumer Affairs & to the XXXX. In addition - I have COntacted XXXX XXXX XXXX XXXX who is the end client of BSI 's. They have advised they too are not getting anywhere with them. I also see that BSI was sued back in XXXX of XXXX for poor loan servicing practices to name a few. It seems that new leadership needs to be at the helm with all these poor reviews and having had a subsequent lawsuit that will no doubt result in more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 9. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 10. Validate Account XXXX  XXXX Account Number : XXXX Please remove it 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 2022-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Have filed into foreclosure case XXXX  XXXX XXXX responded I replied. 
Also pulled Credit report the FHA mortgage shows paid. XX/XX/2013 No other mortgage appears says Bank of america XXXX XXXX XXXX XXXX XXXX CA " refinanced '' we were paying every month for a year and half till the XXXX XXXX case and BoA showed up with an FHA $ XXXX mortgage. Somebody was pocketing our payments and forged the 2013 FHA mortgage Look up the address on the credit report comes up couple bldgs and as XXXX XXXX XXXX No banks.

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 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hi, I just want to put Bank of America on notice. Here 's the message I received in my email on XXXX. List below. 
^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ Your new account is open Great news! The following account ( s ) are open : Bank of America XXXX XXXX Banking Account # : XXXX You can also view your account number ( s ) in the mobile app. 
Make your first deposit Go to the app to fund your account Do more with Mobile or Online Banking Once you have your account or card number, it's easy to get set up and manage money on the go. 
Get the app : ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ Then other email asking me to verify my email address. I refused to verify my email. l called XXXX XXXX who monitor my credit and I explained to them I did not open this account. I was asked many questions and one question " Did I ever have an account with BOA? '' I said no, but in retrospect, I had an auto loan, years ago in the early 2000 '' s. I was advised to freeze my account and XXXX rep will call BOA to get this resolved. Fast forward, I received XXXX letters for BOA dated XXXX. The account was closed because my identity could not be verified. I observe these letters and this information is very old because I put systems in place over 15 years to minimize fraud or identity theft. 1. I opt-out solicitation infinitely. The name and address on this letter is old information. I don't know if this was internally done but my old information should be purged in their system. I saw this in the news about account being open without permission and other bank. Maybe this is coincidental. Just saying! 

Not looking for a resolution but someone need to look to this again regarding banks including BOA opening account without customer 's permission!

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 2022-10-03 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: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 13. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 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 non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing Inc has reported I owe {$2100.00} on XXXX of 2022 from a XXXX account which has been reported as fraud and closed. I have written proof it was a fraudulent account. The day after reporting this, Convergent raised the amount by XXXX dollar, which was another hit to my credit. Previously the collections was XXXX XXXX, I believe for the same amount of {$2100.00} which was reported here a couple of years ago and closed. I have never done business with XXXX and I feel Convergent Outsourcing has my information and is using it for nefarious means. Raising the amount by XXXX dollar after being reported to XXXX, even stating that my documentation was verified as true and accurate. I have attached said paperwork and a picture of my correspondence with XXXX stating the account has been closed and to cease all collections.

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 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A checking and savings account were opened in my name with Bank of America as a result of fraud. An individual obtained my email address and SSN and opened the account online on XX/XX/2022. I noticed the account opening on XX/XX/XXXX and called Bank of America right away to have the account closed and obtain appropriate documentation that the account is fraud and not mine. Per the FTC 's website, Bank of America should provide me with a written statement that states that the account was opened as a result of fraud, that I am not liable for the account, and that the account will be removed from my credit report. After tirelessly attempting to get in touch with Bank of America, I have still not received any type of written correspondence. Each time I'm able to get ahold of someone, they pass me to a different department, and then I end up being passed back to the original department I called into, check fraud. I have yet to get a straight answer from anyone. The last person I spoke with told me I'd receive an email from an analyst on next steps within 1 to 5 business days, that was 7 business days ago. At this point, I'm just trying to get written documentation that these accounts aren't mine and that they have been closed so that I can get the accounts removed from my credit report. I fully do not understand why it has been over a month and why Bank of America doesn't seem to have a formal system in place to handle bank fraud of this nature.

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 2022-10-03 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: TX

Complaint narrative:
I saw XXXX XXXX XXXX Hard Inquiry on my report on XX/XX/2022. 

I didn't apply and/or authorized anyone to use my credentials.

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 2022-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 usc1681 section 602 states I have the right to privacy. 15usc1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan late for any purpose. Capital One Auto Finance. I discussed with company that this account will be removed from my account, XXXX

Company response to consumer: Closed with explanation