vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 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: GA

Complaint narrative:
Hi back in XXXX I was shopping at the mall and realized I lost my wallet. I filed a police report to report and hopefully a recovery of my wallet. I notice accounts that was opened in my name in XX/XX/XXXX. I'm convinced this has something to do with my wallet being stolen in XXXX of XXXX. They opened 3 accounts without my knowledge, nor consent. I have never spoken to anyone, nor have I signed any documents to open these accounts. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX I am requesting these accounts be removed immediately. Also these hard inquiries I did not authorize for anyone to run my credit XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

I did further research online to see how these accounts were reported. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a letter yesterday from Truist bank that XXXX of my children 's old custodial accounts ( opened at Suntrust several years ago ) had been overdrawn, allegedly " for several weeks. '' The letter was dated XX/XX/XXXX. 

I had no knowledge of ever overdrawing any of my accounts. I received no notice in the mail of an overdraft, no online banking notification, no email, no text, statements. I received no phone call or voicemail. I had no knowledge of it ; I don't even know what kind of transaction could have been made to cause an overdraft. 

The letter informed me that the account had been overdrawn for weeks without me doing anything to correct it, so it was now charged off and in debt collection. 

They added a {$30.00} charge-off fee to the alleged overdraft balance of {$14.00} and asked that I send payment for {$44.00} dollars in an included envelope. 

I've searched through my online banking. I can no longer find any account information for this account now that they've closed it. 
I can't see any viable documentation to substantiate the allegations and demand of this letter. 

I had been a Suntrust account holder for a very long time and have never overdrawn any of my accounts before. 

I called the number on the face of the letter today, XXXX times to try and resolve this. I was answered by an automated system which placed me on hold and then sent me to voicemail. The recording said " They are not taking calls due to high call volume. '' When the automated system first answered, it prompted me to enter the XXXX phone number from which they left me a message to call them ( they never left a message. ) I entered both my number and my former number, though, but neither of was a match in their system. 
I then called Truist 's main number to work on the issue, but the representative was only able to transfer me to the line I couldn't get through to. 
Every facet of this matter seems like illegitimate/predatory banking practice. 

I'm being asked to pay something I'm unaware of owing with no supporting documentation or prior attempt to reach me and no means of communicating with Truist except an envelope to send them money.

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 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
The comenity bankXXXXbread XXXX company charged me interest on a balance that was paid 2 weeks prior to the due date. There was no balance left to charge interest on. I have called and requested they waive or dispute the charge but they refuse and keep hanging up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ALL BELOW ADDRESSES WERE TOLD TO BE REMOVED AND ARE NOT MINE AND NEVER HAVE BEEN. XXXX  has been INTENTIONALLY DENYING THE REMOVAL OF THESE ADDRESSES phone numbers and names. 

NAMES TO REMOVE : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PHONE to REMOVE Phone Numbers : 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 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2022 someone opened a credit card with wells fargo bank using my information ( assuming my XXXX XXXX ) Wells Fargo cancel card and listed as fraud I locked and froze my credit. 

I do not know the address fraudulent card was mail to Wells Fargo would not tell me mailing address or email address that was used

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 2022-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX Bank of America arbitrarily started charging monthly account maintenance fee from XX/XX/2021. There was no balance changes between XX/XX/2021 and XX/XX/2021. Statement copies attached XXXX XXXX Bank of America claims I never had a debit card. Debit card picture attached

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 2022-08-09 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: LA

Complaint narrative:
Ive been disputing accounts, incorrect personal information, and inquiries for over XXXX years with Experian. Experian has responded " verified '' to these erroneous accounts that have accumulated on my CONSUMER report over the time. Also, during these times I've had a fraud alert on my account and still Experian has " VERIFIED '' that the said debt is mine. 

Experian has failed me as a CONSUMER by not only verifying erroneous accounts, they also VERIFIED THE INACCURACIES AS WELL. 

EXPERIAN HAS BEEN REPORTING THESE ACCOUNTS OUT OF COMPLIANCE WITH THERE OWN REGULATIONS! 

PLEASE SEE ATTACHED DOCUMENT! 

( I HAVE MY THUMB PRINT WITH THE LETTER ALONG WITH SUPPORTING DOCUMENTS AS PROOF OF ME BEING A REAL PERSON, NOT A COMPUTER, OR AGENCY ) NO EXCUSES!

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 2022-08-09 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:
To whom this may concern I asked the credit bureaus to do a verification of everything on my credit report, which they did and they verified with me that everything was accurate. However, I did my own research and found improper inaccuracies on the credit report. After disputing the XXXX  loan account with XXXX  XXXX XXXX starting with account # XXXX, I disputed the information with XXXX, XXXX, and Equifax. I found several inaccuracies even after an FCRA investigation was completed. There are several inaccuracies on the high credit limit, last reported date, and last active date. According to the fair credit reporting act, that I included below, the credit bureaus credit report was not completed accurately and due to this, I want all information associated with this account deleted off of my credit report. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C. 1681 section602 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 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom this may concern I asked the credit bureaus to do a verification of everything on my credit report, which they did and they verified with me that everything was accurate. However, I did my own research and found improper inaccuracies on the credit report. After disputing the student loan account with XXXX XXXX XXXX starting with account # XXXX, I disputed the information with XXXX, Experian, and XXXX. I found several inaccuracies even after an FCRA investigation was completed. There are several inaccuracies on the high credit limit, last reported date, and last active date. According to the fair credit reporting act, that I included below, the credit bureaus credit report was not completed accurately and due to this, I want all information associated with this account deleted off of my credit report. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C. 1681 section602 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 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-08-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked the credit bureau to do thorough research an verification everything on my credit reports and they did states they verified it and I still found some inaccuracies after they did the thorough research. Still improper use of my credit report. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXXXXXX .... 
XXXX XXXXXXXX XXXX GA XXXX Identification number XXXX Item name XXXX XXXXXXXX XXXX  GA XXXX Identification number XXXX Account name XXXX  Account number XXXX XXXX. 
Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX Account number XXXX .... 
Account name XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name THE XXXX XXXX Account XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Please see all credit report and screenshots proving that they did not do the full thorough verification report. you can see the inaccurate dates for date opened, inaccurate account numbers, and the date of last activity, and last reported is all inaccurate. Please remove from XXXX, Experian and 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 2022-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/XXXX I entered the Cares Act Covid-19 Hardship program with my Mortgage company Freedom Mortgage on XX/XX/XXXX they told me it was time to start the exit process and resume payments they also told me that the VA had approved me for a partial claim to secure the outstanding balance. I filled out the paperwork they sent me and then I got a call saying they incorrectly filed it with the wrong maturity date on the paperwork i filed and had notarized. I was in contact with them over the next several months seeing if they were going to resend the the paperwork and what date would I have to prepare to start making payments they said i was still under hardship protection and as soon as they heard back from the VA they would re-send the paperwork then about a month ago I started getting calls from people who wanted to buy my house. I contacted the Mortgage company and they told me that I shouldn't be getting those calls because I was still in the reviewing process and because it was there error on my paperwork I wasn't in danger of foreclosure and I should prepare to resume payments on XX/XX/XXXX. Then I received a letter to accelerate the the lien on my home. Now my house is set for sale on XX/XX/XXXX. I spoke with the VA and they have no record of them even filing a partial claim on for my home or any claims at all in their system. The mortgage company is engaging in dual tracking to foreclose on my home and the VA says they have no record of them uploading any documents or filing any claim in their system.

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 2022-08-09 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My city card AA get charged, some cheap cigars shops in Kentucky, I never been and pay anything there, when I reported {$290.00} wasnt my charge, I dont pay my bill because they refunded back, after two months I get changed again with The same company, I call again and reported fraud, Credit card company did nothing about, i and up paying XXXX $ with late payment and interest charge. This was XX/XX/XXXX. 
I had another problem with XXXX XXXX in XXXX I get charged {$3000.00}. XXXX some modeling agencies in California, I reported it was going on back and forth more than year, I get so tired with this, credit card company offered to pay $ 50 monthly no interest charge so I pay off {$3000.00}. With was not my responsibility. I pay both cards and they did affect my credit score can you please help me clear up my credit report thank you

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 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was trying to activate my TV to be able to use XXXX XXXX Video but clicked on the wrong link which was made to look like the XXXX activation support web page, and was scammed by a man impersonating an XXXX tech manager who had two XXXX transactions processed from my BOA checking account. I contacted XXXX immediately and they confirmed it was a scam subsequently I called BOA immediately and spoke with a man named XXXX in XXXX, AZ who, even with pending transactions are indicating in my checking account, said the transfers could not be stopped. 

I never asked for XXXX feature to be added to my account, never have used XXXX in the past, and do not know how it works. My wife has transferred funds between her BOA account and our son 's and sister-in-law 's BOA accounts but never used XXXX either for the transactions. 

If I was able to immediately put a hold on the transactions so that when I did contact BOA they could verify it as a scam and subsequently delete the transactions before I lost the money. 

Bank of America denied my claim for a refund, saying I, the victim, was the one who authorized the transactions. Bank of America is one the the banks that own XXXX and I never requested go be linked to XXXX can I be included in the class action law suit indicated below? 

" XXXX, a peer-to-peer payment app, is under fire for enabling fraudulent transfers between customers and scammers. Theres an ongoing class action suit against Bank of America that claims the financial institution downplayed huge security risks of linking XXXX to one of its bank accounts. The Consumer Financial Protection Bureau ( CFPB ) is reportedly preparing new guidance that would require banks to reverse fraudulent transfers. ''

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 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I had tried multiple times to reach Avant Credit card to make my payment all the way up until twice yesterday morning also tried using theyre XXXX XXXX to make payments on time and theyre website all which had failed I received a call from them yesterday and they said I was past due and owed XXXX to bring account current I said I would make payment and that I had tried multiple times and could never reach them by phone as well they said they understood had me try resetting password multiple time in XXXXXXXX XXXX and using web browser all those times while I tried to do so failed obviously they said there was a problem on theyre end so I paid what I owed they said not to worry because problem was nothing to do with me they would do late fee waiver then XXXX I got a email from them saying late fee was denied so they lied to me knowing full well it was not in any way my fault I was not able to make a payment and even seeing themselves why I wasnt able to I need this late fee waived and not to effect my credit score I have been working so hard at improving my credit and this is unfair to do this to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Attempts to get credit union to send opening documents for new account opened.Account was opened via the web and never received the opening documents.Request paper statements of my account since I opened account in 2017.Supposedly they were using e-statements but I never received statements via the web till I requested them this summer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 



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



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

XXXX XXXX- account number- 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