vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WY

Complaint narrative:
Ive been a depositor with US bank for over 10 years. I moved to XXXX, Wyoming over 2 years ago. On XX/XX/XXXX XXXXXXXX XXXX XXXX issued me some blank checks to use for a balance transfer at XXXX percent interest for 10 months. I deposited one of those checks in the amount of {$10000.00} into my US Bank checking account to pay down 2 large interest bearing credit cards. After the check had cleared and the 2 payments cleared, US Bank decided to reverse the XXXXXXXX XXXX and reverse the 2 payments to my 2 credit card companies and close my account for Suspicious Activity. They also kept my last auto deposit from my employer dated XX/XX/2023 and caused me considerable hardship. They finally issued me a check on XX/XX/XXXX. I had to borrow money to pay my mortgage on time and to make a car payment on time. I have 3 auto deposits going into my US Bank checking account each month, 2 from my employer and 1 from Social Security. My checking transactions are pretty much the same each month, no unusual activity. Using bill pay I pay my mortgage, utilities, car payment and credit card debts. The only difference this month was the {$10000.00} deposit from a reputable financial institution. The treachery of this act has caused me to reconsider leaving my money in any bank. Now I keep all my money safe at home. Recalling how the prime minister in XXXX had frozen the assets of the truck drivers who protested the unlawful vaccine mandate, I thought at the time that this could happen here in America too. But I didnt think it could happen to me. And since it happened to me, then it could happen to anyone. It is a sad day in America when a bank can commit such an egregious act against a law abiding citizen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
This is regarding a commercial Mortgage loan through Shellpoint Mortgage. I lost a home during a bad storm and it was a total loss. I received insurance funds to cover the mortgage and expenses. This check was sent to Shellpoint and they paid off the loan, I am waiting for the remaining funds to be sent back to me so I may pay my expenses that have occurred. The payoff was conducted XXXX XX/XX/. I have called several times asking about my remaining funds. The first time they stated it would be 30 business days, after 30 business days they told me it could be up to 45 business days. After 45 business days they stated the funds had been lost between departments and they would reach out to me with in two business days. I reached out again and they told me the information has been put forward to the proper department and will take as long as it takes. this is unfair, they took the insurance funds to take care of their needs as soon as possible and when it comes to my needs, it will take as long as it takes?! Where are my funds!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: MD

Complaint narrative:
First Credit Services repeatedly calls me not saying anything. I have verbally asked for them to take my number off the contact list and Im still receiving calls. This complaint does not serve as an endorsement of an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company has kept multiple ACH transactions from my customers without my authorization. A previous complaint was filed in XXXX in which I was told ACH transactions should not be placed on hold. 

Dates and the amount of the transactions are as follows. 

XX/XX/XXXX {$140.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sprechman & Associates, P.A.
State: FL

Complaint narrative:
I XXXX XXXX, received a court summons for an aleged debt. I have no knowledge of this aleged debt, and would like validity of said debt. There has been multiple FDCPA violations by this company including but not limited to harassing phone calls. An affidavit sign by a third party, that was not present at the time of the aleged transaction was submitted to the courts. This allegation is suspicious and deceptive, and run the risk of damaging my character. 

Robinson v WELLNESS CARE CREDIT LLC CASE # 0:2022CV60460 ORDER OF DISMISSAL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Someone opened two credit cards fraudulently under my name with XXXX XXXX. 

I called XXXX XXXX and opened a fraud case. XXXX XXXX cancelled these two cards.

On my credit report, I noticed I had 9 recent inquiries that are fraudulent, relating to this incident : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX  XXXX, GA XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX the salesman assisted me with the purchase of XXXX  XXXX XXXX at XXXX XXXX and/or CarMax intentionally withheld pertinent information to complete the sales. There are many fees within the given finance charge that are a violation of 15 USC 1605. XXXX XXXX and/or CarMax falsely and illegally obtained XXXX. I sent letters to both companies on XX/XX/XXXX disputing but have not heard back as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: LA

Complaint narrative:
Hi, I have been trying to dispute incorrect reporting on my credit report for over two years. I have contacted XXXX via certified mail on XX/XX/XXXX and all three of the credit bureaus on XX/XX/XXXX. I reached out to XXXX to exercise my right to a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. I reached out to XXXX, XXXX and Transunion over three time the last time via certified mail dated XX/XX/XXXX. I enclosed in the letter a copy of my credit report and the variance in the reporting across all three credit bureaus chase XXXX is reporting to. I asked XXXX, XXXX and Transunion to verify with XXXX the accuracy of their reporting and to asked them to validate that I am indeed responsible for XXXX Account # XXXX through a signed contract and with proof of a wet signature or signed written agreement. The credit bureau failed me and did not conduct a proper investigation. XXXX responded to my dispute with a copy of statement but no a copy of an agreement of a settlement or a signed agreement with my signature of the credit card account. This information did not validate anything! I have experience damage from the inaccurate reporting since XXXX. I have been denied credit amongst the biggest denial was for a student loan. I received a response from Transunion, XXXX and XXXX stating that they account was validated. A proper investigation was not performed according to the Fair Credit Reporting Act. 

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

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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: LA

Complaint narrative:
Hi, I have been trying to dispute incorrect reporting on my credit report for over two years. I have contacted XXXX via certified mail on XX/XX/XXXX and all three of the credit bureaus on XX/XX/XXXX. I reached out to XXXX to exercise my right to a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. I reached out to XXXX, Equifax and XXXX over three time the last time via certified mail dated XX/XX/XXXX. I enclosed in the letter a copy of my credit report and the variance in the reporting across all three credit bureaus chase XXXX is reporting to. I asked XXXX, Equifax and XXXX to verify with XXXX the accuracy of their reporting and to asked them to validate that I am indeed responsible for XXXX Account # XXXX through a signed contract and with proof of a wet signature or signed written agreement. The credit bureau failed me and did not conduct a proper investigation. XXXX responded to my dispute with a copy of statement but no a copy of an agreement of a settlement or a signed agreement with my signature of the credit card account. This information did not validate anything! I have experience damage from the inaccurate reporting since XXXX. I have been denied credit amongst the biggest denial was for a student loan. I received a response from XXXX, XXXX and Equifax stating that they account was validated. A proper investigation was not performed according to the Fair Credit Reporting Act. 

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

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: MI

Complaint narrative:
A checking account was fraudulently opened in my name with Bank of America in XXXX of XXXX There were several XXXX transactions that took place. I was never alerted of an account creation or transactions and was unaware of the account until I received a statement in the mail. I immediately contacted Bank of America and was informed it takes 90 business days before closure of the account but a hold was placed on the account. I contacted the checks system and activated identity theft measures through my credit card company. I also contacted all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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: SC

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Had XXXX  yr lease, with no problem on monthly payments. Returned the car ( 3yr/36000miles ) with only no more than XXXX  (? ) miles on car & told dealer there was an issue that i felt KIA had a responsibility for. this issue was about side panel damage on the car and i was told by dealer leave the car and to call kia customer service. i did so and after following all kia customer service 's directives, within 2 mos or so we resolved the problem and we both shared the cost and i agreed to a price to repair the car damage. I paid my portion & found out months later that my credit was damaged since KIA said my account was open and they presented my account as having history of " unpaid payments ''. So i then i had been branded with a " payment deliquency '' from the credit bureau from that point on ... .that was 4-5 yrs ago. I tried for months to present it to the credit bureau, they agreed the payment history was good but they kept sending me back to KIA, who would not help at all even though they also said the issue was was over the car damage and not any payment. ( At the time, I had other credit cards accounts only on my credit history for years and they were all very good history. 
After receiving a check for {$100.00}, I did call hyundai capital and they said i was eligible to call KIA to get them to remedy the issue. I was shown how KIA was mandated to do so. This was about XX/XX/2023, I called Kia and after two or three people involved in two separate attempts, finally at the last call i was put on hold repeatedly ... left there for 15+ minutes then got a pick up and an immediate hang up. ( the number i called was given to me by HYUNDAI Capital so i called Kia - XXXX ) Today i called HYUNDAI Capital back and they directed me to make this complaint here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: MI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: TX

Complaint narrative:
Credit reporting and collections on account is fraudulent. And I did not give consent for my credit file to be improperly 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 explanation
Consumer complaint received 2023-03-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation