vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please make Truist - Banking ; located in Florida. 

Please refund all monies incurred incorrectly as caused by a Merchant that did not deliver products and goods and still charged me incorrectly. 

I have processed a Claim with Truist please refer to : XXXX. 

This bank continually charges me overdraft fees even though I have contacted the merchant to cancel all fees and I am incorrectly charged over 7 times, of which I am correctly owed- If The Merchant had correctly refunded my fees I would not have incurred this. 

I am planing to pursue an action for Theft by larceny in the appropriate jurisdiction if this is not resolved by the Bureau of Consumer Protections. I have tried to walk in at a Truist Bank, I have called over XXXX times, and spoke with numerous persons, I have stayed on the line for more than XXXX hours and nothing has been able to be resolved. 

The merchant incorrectly charged me,- which caused me to incur overdraft fees, The Merchant has refunded XXXX transaction and Truist continually attempts to charge me over draft fees- Even When I had available funds for use. 
Truist has not refunded me any fees and I have closed all my accounts with trust. 

PLEASE ADVISE TRUIST THIS IS THEIR LAST AND FINAL WARNING TO PROVIDE ALL THE FUNDS THAT ARE RIGHTFULLY OWED TO ME OR YOU WILL BE FACED IN CIRCUIT COURT FOR CIVIL LITIGATION. I HAVE PROVIDED ALL INFORMATION TO TRUIST AND ITS REPRESENTATIVES AND NO ACTION IS TAKEN.

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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Starting in 2023, XXXX XXXX tradelines less than {$500.00} will no longer be reported on consumer credit reports. Please remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received a call from someone claiming to be from XXXX 's card-I had the XXXX Airlines card through them. I XXXX  the number and it came back as legitimate. I was told there were fraudulent charges on my card. I spent XXXX hours on the phone as they contacted companies disputing the charges while I remained on hold. The agent also asked me numerous personal questions, supposedly for id in case of theft. Also they set up travel alerts. I was also informed the card was cancelled and new one was issued. 

I checked the account the following morning and discovered that the account had not been closed and there was another $ XXXX in charges. I called the company and was told the account wasn't closed but the disputed charges from the night before were cancelled along with added on special travel alerts. I asked why I wasn't notified of the charges and why the account had not been closed. I was informed that as long as they didn't accept the charges it was ok!!!. 

Needless to say the standard with XXXX is once they are aware of false charges the account should be closed. The company was negligent in not notifying me and in not closing the account. I wrote a number of letters of complaint to the company and was ignored.

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 2023-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: FL

Complaint narrative:
I just filed a complaint against XXXX XXXX XXXX regarding these alleged accounts that they never sent me any notices of disputes for. They immediately had to close the account because they had zero documentation tying these accounts to me especially because I had insurance and was not seeking medical attention around this time. Once XXXX closed these invalidated accounts Avante has now picked these up and broken several of my rights. XXXX. There was no notice to dispute. I received nothing in the mail at all. 2. They are reporting these alleged accounts to my file at the SAME time as paramount. 3. They are also reporting duplicates. This has taken a toll on my credit score right around the time of me moving which has cause me major inconveniences! I know my rights as a consumer and I will use them! 

Absent validation, both your company and XXXX are in violation of Federal Law, for btu not limited to, continued collection activity on an invalidated debt pursuant to FDCPA 809. Validation of debts [ 15 USC 1692g ] ( b ).

My suggestion is that you return this account to the previous collection agency and demand your money back, and/or compensation for time wasted pursuant to the Qualifying RECOURSE accounts provision of your purchase / assignment contract.

If any information about this alleged debt has been reported to the credit bureaus, I demand that you delete that information immediately, or I will have no choice but to take legal action against you for knowingly Furnishing on verifiable information to the credit bureaus with the sole purpose of tarnishing my financial reputation. you have 5 days to remedy this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: VA

Complaint narrative:
In according with the Fair Credit Reporting act XXXX Account # XXXX, has violated my Rights. 15 U.S.C section 602 A. Sates 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
My mom died in XXXX. I recently discovered the XXXX website, and sent a request for them to stop sending offers for credit cards. I sent this in XX/XX/XXXX. The cards have dropped off dramatically but I'm still getting offers from Capital One Business for my mom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016.

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 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX us bank XXXX officially that must account close I say why! They don't tell me what happening and other bank block. Frustrated also they are bitclose account yet I say give me money the. They say XXXX no and feel like I am victimized I know this is set up for XXXX XXXX money I am fed up since 6 month call me XXXX sometime email block so I. 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 2023-01-14 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: MI

Complaint narrative:
On XXXX  I sent an identity theft report and a certified letter to Equifax that was delivered XXXX The report was disputing XXXX unauthorized and fraudulent inquiries, and the letter was to update my personal information. On XXXX XXXX received a response from Equifax dated XXXX  stating the following : " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. '' That same day, I checked my Equifax consumer report, and I see the disputed items still being reported. This is a violation of 15 USC 1681c-2 ( a ) for refusing to block information resulting from identity theft, 15 USC 1681b ( a ) ( 2 ) for furnishing a consumer report in accordance with the written instructions of the consumer to whom it relates, 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, and 15 USC 1681n ( a ) for willful non compliance of deleting unauthorized items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
Called XXXX XXXX from my credit report to get information in reference to my medical debt listed. I spoke with an agent named XXXX who advised her company was third party and they are not accepting lower offer and that I was not allowed to speak to the original creditor " XXXX XXXX XXXX ''. She said XXXX XXXX " XXXX  '' my balance and they are collecting on their behalf. I questioned this and asked " So you own it now? '' She said no but I wasn't allowed to speak to them directly. 

I ask for a settlement and she said we don't give balance reductions. I replied and said I didn't ask for a balance reduction ( those aren't settlements ). She insisted I was wrong and her tone changed. I asked since I required to pay this full amount will it get deleted and she repliedyest but she would charge me XXXX $ for a deletion letter. Also they wouldn't send letters on going payments ( which is illegal if I set up drafts ) I called back later to reconfirm once again this fee for payment letter ( which seems unethical ) and she confirmed once again. I paid so I no longer have to deal with the harassing calls and unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: VA

Complaint narrative:
In accordance to the Fair Credit Reporting Act everything has to be XXXX  XXXX  accurate on my credit report. After reviewing my report on XX/XX/XXXX, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : 1. Date Opened- inaccurate 2. High Credit- inaccurate 3. Credit Limit- inaccurate 4. Payment Status inaccurate 5. Last reported inaccurate 6. Date of last activity- inaccurate 7. Date of Last Payment- inaccurate XXXX-year payment history shows XXXX and Equifax shows no history XXXX XXXX  day past due and XX/XX/XXXX shows XXXX days past due for XXXX. This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This one account on my credit report has XXXX violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: VA

Complaint narrative:
In accordance to the Fair Credit Reporting Act everything has to be XXXX  XXXX  accurate on my credit report. After reviewing my report on XX/XX/XXXX, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : 1. Date Opened- inaccurate 2. High Credit- inaccurate 3. Credit Limit- inaccurate 4. Payment Status inaccurate 5. Last reported inaccurate 6. Date of last activity- inaccurate 7. Date of Last Payment- inaccurate XXXX-year payment history shows XXXX and XXXX shows no history XXXX XXXX  day past due and XX/XX/XXXX shows XXXX days past due for Experian. This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This one account on my credit report has XXXX  violations.

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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
I purchased a home improvement project from XXXX XXXX on or about XXXX, 2022 and was told that the project would cost around {$17000.00}. that I could pay over a 5 year period. 

Subsequently I received a statement from Aqua after the project was complete informing me that the actual total was around {$29000.00}. 

I contested this and my requests to clarify and correct have been ignored and Aqua is reporting the account to credit agencies as " delinquent '' rather than possibly " fraudulent ''. 

As a result, other creditors that I am in good standing with are reducing my credit limits and further damaging my credit standing ( score ). 

In summary, the company that sold me the project ( XXXX XXXX ) misrepresented the terms/price, ( {$17000.00} ) then sold the paper to Aqua which is now attempting to collect {$29000.00} and perpetuating what appears to be an attempt to defraud me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I was a victim of unauthorized transactions to my account from a website called XXXX, which is owned by XXXX, an online casino company. I had an account there for a few months but only used XXXX XXXX for modest purchases. I have since closed the account and contacted their support department for help. 
The exact loss i believe adds up to {$5600.00} although the people i spoke to in the BofA XXXX department said some of the last transactions were pending, I'm not sure what the outcome is. This whole thing is crazy because I specifically opted for no online transactions to my account, yet they let them through.They really failed me by ignoring the signs that something was amiss and this activity continued for XXXX weeks. There were XXXX they said over a XXXX week period, yet no one saw this as completely out of character for my account? The first transaction occurred on XX/XX/22 and last one on XX/XX/22 before they finally began blocking them on XX/XX/22. It's obvious the people robbing my account weren't going to stop until it was drained from the way the amount of transactions escalated so quickly over that span of time, and one would expect they would have security measures designed to recognize that activity and halt it from the start. My mother 's bank which is XXXX does, so much so that they block single transactions a few times a year, and although an inconvenience she says she still appreciates the protection they provide. Since my first complaint, I've learned more information about what might have happened. A guy named XXXX XXXX spent XXXX weeks at our apartment, and altho a buddy of my roommates he spent allot of time on my phone saying he ran out of fata,. A month or so later my ex roommate said he visited him and was afraid, saying he might be in trouble with the law. He wasn't specific but my roommate said it sounded like fraud of some kind. He's a nice guy and would never physically hurt anyone, but it's intelligent and computer savvy. So myself and other friends have tried locating him just to talk to him and he disappeared, on the run perhaps? The problem is he's from Hawaii and that's in the XXXX but still far away. That's all the info I've got for now. But please contact me if you need any further information from me, my email is the best way, XXXX. Thank you for your help, 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 2023-01-14 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: VA

Complaint narrative:
In accordance to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. After reviewing my report on XX/XX/2023, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : 1. Last verified- inaccurate 2. Date of Last Activity- inaccurate 3.Date opened- inaccurate 4. Account Balance inaccurate 5. creditor remarks Two-year payment history shows Transunion, XXXX XXXX and XXXX shows no history. How is this possible if the account is charged off? This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This one account on my credit report has 9 violations.

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 2023-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XX/XX/2023 Banana Republic card opened fraudulently at BANANA REPUBLIC - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX Tel. ( XXXX ) XXXX Amount charged was XXXX XXXX XXXXXX/XX/2023 XXXX card used fraudulently at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Amount charged was approximately 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 2023-01-14 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: T.S. Holdings
State: NV

Complaint narrative:
Unfortunately I have become a victim of identity theft over the course of the last 10 years that I am just now finding out about. 

Unauthorized collection accounts from identity theft : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Unauthorized accounts that are closed : XXXX XXXX, XXXX XXXX, Unuthorized Inquires Continued : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of the inquires listed above have mulitple postings to my credit report. I have always lived at home with my parents. I have never lived on my own nor have I ever had utilities in my name. I believe my identity has been compromised for over the course of about 10 years. I have not been able to recognize a lot of the information on my reports and I am utterly concerned and would like to address this immediately. 

I have attached to this report, the FTC report that I have sent to all unauthorized closed & charged off companies, as well as to all soft/hard inquiries and they are verifying inaccurate information. Please help.

Company response to consumer: Closed with explanation