vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 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:
I did not give anyone permission to put anything on my credit or to give out any information. 
XXXX XXXX Balance {$240.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition XXXX  Balance {$740.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition XXXX  Act. # XXXX Closed XXXX Opened {$200.00} Credit Limit {$150.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported XXXX XXXX # XXXX 60 Days Late XXXX Opened {$520.00} High Balance {$0.00} Balance Individual Account Installment Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Payment XXXX XXXX Balance {$240.00} XXXX XXXX : Not Available COLLECTIONS XXXX Act. # XXXX Opened N/A Reported Unknown XXXX Compare this account across all bureaus. 
Show Comparison Creditor XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Closed XXXX Opened {$520.00} High Balance {$0.00} Balance Individual Account Installment Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Payment XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed XXXX XXXX XXXX XXXX XXXX {$580.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed XXXX Compare this account across all bureaus. 
Show Comparison Creditor XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1000.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed XXXX XXXX XXXX XXXX XXXX {$580.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed XXXX XXXXXXXX  Credit Act. # XXXX 90 Days Late XXXX Opened {$0.00} High Balance {$8200.00} Balance Individual Account Installment Account Type Closed Condition XXXX Date Reported {$0.00} XXXX Act. # XXXX 120 Days Late XXXX Opened {$200.00} Credit Limit {$150.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment XXXX XXXX XXXX  Act. # XXXX 90 Days Late XXXX Opened {$0.00} High Balance {$0.00} Balance Individual Account Installment Account Type Closed Condition XXXX XXXX XXXX {$0.00} Payment XXXX XXXX XXXX XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance Dept Of Ed/XXXX Act. # XXXX Current XXXX Opened {$0.00} High Balance {$23000.00} Balance Dept Of Ed/XXXX  Act. # XXXX Current XXXX Opened {$0.00} High Balance {$1400.00} Balance XXXX XXXX XXXX XXXXXXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$10000.00} Balance XXXX XXXX XXXX # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance

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 2023-06-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well! Wells Fargo again are practicing criminal behavior like they did years ago when they changed account # s to make it look like they had more business than they actually had so this time they are charging me for insurance when I already have insurance on my home loan they changed my loan servicer to XXXX XXXX because of the complaints I've made against them. I wish they would've changed the ELOC as well. Change it to XXXX XXXX no problem I mean i've never had any problem with them always having homeowners insurance and then now I change my homeowners insurance to go with my automobile insurance XXXX & Wells Fargo is still trying to charge me for an escrow account that is not necessary because I already had and have homeowners insurance through XXXX but they continue to try and make me pay impound account or whatever it's called the escrow account because they're taking this felonious or you know not right insurance out on that ELOC it was ELOC and I still don't know or agree with how they just arbitrarily changed it to a second mortgage but to make it seem that oh I have to pay insurance on it now. No that's not right. I've always had insurance on my house and that is covered and it is with XXXX XXXX and they got a copy of it but yet they're still trying to charge me for an escrow account that I should not be charge for Wells Fargo they are such criminals. They need to be put out of business. This is disgusting. I am a XXXX and a XXXX XXXX. I've never been treated this badly with a financing product. Whatever you wan na call it Wells Fargo R criminals I wish they would've just taken that ELOC as well over to XXXX XXXX. I want to have nothing to do with Wells Fargo and if you could help me be changed from Wells Fargo to XXXX XXXX for my ELOC as well. That is what I would like to do. Thank you. I Should not have to pay them any escrow account when I have my homeowners insurance covering both loans with homeowners insurance through XXXX Wells Fargo are criminals. I do not want to be with them they should be put out of business. They are CRIMINALS & acting w/ criminal & predatory behavior! Pls help! TY

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 2023-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I XXXX from an XXXX XXXX XXXX on XX/XX/XXXX. When I XXXX I sent my corporate American Express card back to my employer. On XX/XX/XXXX I received a bill for a corporate American Express from my old employer and sent to an address I moved away from in XXXX ( I am still have contact with the current residents. ) I sent this documentation to my previous employer and was informed it would be taken care of. On XX/XX/XXXX I received a letter at my current address informing me that my corporate Amex had been canceled and referred to XXXX XXXX. This is very confusing because I have had an American Express account since XXXX and I still use the card everyday. I was never contacted by Amex regarding the delinquent corporate card. 

Now I am being harassed by a credit collection agency by mail and by phone daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am having a major issue with bank Bank of America. ( The side that dealt with EDD ) Back in XXXX of XXXX I filed a fraud claim for funds that were stolen between XX/XX/XXXX - XX/XX/XXXX totaling over {$30000.00}. I became aware of this fraud in XXXX of XXXX. What took me so long to take notice of fraud due to me being hospitalized XXXX of XXXX due to a XXXX XXXX XXXX diagnosis. When my claim was filed I voluntarily did a release of information and provided proof of my diagnosis. In this release of information It contained other very very personal information such as treatment details etc. More importantly it reflected the dates and duration of my hospital stay. Those dates would show i was able to perform the transactions on the dates the fraud occurred. I want to state that my diagnosis and details surrounding it is a very sore subject but no the less i had those details were provided. My claim with Bank of America has been denied 4 times. For reasons such as Bank of America stating things that were not true. Bank of America that EDD hase listed as ineligible to receive those funds. I Contacted EDD they informed me that 1 that is not the case 2 there system does not reflect that. In short Bank of America and I have gone back and forth and other small discrepancies of due to their lack of communication. Waiting on these funds from this claim is making me experience an extreme hardship and I am at wits end please help.

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 2023-06-14 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/1923 I made {$900.00} payment to Amex. AT XXXX set on XX/XX/1923 I noticed that there was no funds in the checking account assigned to the payment and it didn't go through so I made sure money was there and tried another payment. At XXXX XXXX  Est I had an available of {$1300.00} but my card was declined at XXXX for around {$56.00}. I called AMEX and was told my entire account to include employee cards are on hold until the original {$900.00} payment is made so they are going to try 2 more times and after that wait 7 days if it is not there. I explained I paid it earlier on the XXXX. I was told it don't matter and I shouldn't have made the payment on the XXXX I called on XX/XX/XXXX and I was told this process is standard and they can not stop it. I explained I am losing business, invoices is not getting paid on my auto payments I have set up on this card. I asked them to provide me where this is written in my statement or terms and service they could not provide. I have lost money and business due to them freezing my account without any notice and terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
I made a transfer in of {$100.00} on Wednesday, XX/XX/2023 from my banking institution to Square ( Squareup.com ). I tried to use my card to purchase food at fast-food location and it was declined ; upon using my Squareup banking card. I checked the funds in the account and as of today, XX/XX/2023, I have a total of {$100.00} and the purchase was just over {$25.00}. Upon contacting the company, the first attempt, the representative stated she would have more info in 24 hours as to why my debit card wouldn't work. Later this evening, I then received an email stating that my funds will be held for 90 days. Around XXXX XXXX  I called and spoke with another representative and she said there was fraudulent activity on my account but couldn't explain to me what a fraudulent charge on my account was or is. There are a total of TWO transactions on this account in total and she couldn't explain. Therefore, my funds are being illegally with held as the company can not provide proof to their claim of fraudulent charges. Why are they being allowed to hold money from people just because they want to? This is illegal and I will make sure to share my experience with everyone so this will not happen to them. Also, I have the recorded audio from their representative not being able to give a reasonable explanation. I will be sure to share it on social media as well as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Account is reporting as paid and a charge off, it cant be both

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 2023-06-14 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: IL

Complaint narrative:
The Credit Reporting Agencies are bias and are refusing to delete the identified transactions from my consumer report, violating my right of privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Credit Reporting Agencies are bias and are refusing to delete the identified transactions from my consumer report, violating my right of privacy.

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 2023-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
reviewed my Consumer Reports and noticed that I had 1 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-06-15 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: IL

Complaint narrative:
reviewed my Consumer Reports and noticed that I had 1 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-06-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX am writing to complaints on wrong information on my credit report. Following Addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Following inquiries are on my report that were not applied for by me : 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 The following employers are on my report are not accurate or current : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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:
I, XXXX XXXX am writing to complaints on wrong information on my credit report. Following Addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Following inquiries are on my report that were not applied for by me : 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 XXXXL The following employers are on my report are not accurate or current : 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 non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I hope this message finds you well. I am writing to express my concern over a recent encounter I experienced with your bank. 

Recently, I attempted to open a new account with Truist, but unfortunately, my application was declined. The reason provided for this decision was not clearly communicated to me, leaving me somewhat puzzled and disappointed. 

As a prospective customer, I am eager to understand the rationale behind this decision, as it is critical for me to gain a clearer understanding of any issues that may have influenced the rejection. My intention is to rectify any potential concerns and hopefully reapply in the future, if appropriate. 

Could you please provide me with some insight into the reasons for this denial? If there are any outstanding issues, specific criteria that I failed to meet, or documentation required, I would appreciate being informed so that I can address these matters promptly. 

Please understand, this query is not a complaint, but rather a request for better clarity and transparency, which I believe will serve both our interests going forward. I have high regard for Truist and would very much like to become a customer of your esteemed institution. 

Thank you very much for your time and attention. I am hoping for your prompt response to this matter and look forward to your explanation.

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 2023-06-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX- Transunion continues to report a XXXX XXXX  Bankruptcy and is unwilling to provide the documentation used to validate the alleged bankruptcy. When contacting their contact center I was advised by a representative that they don't have the actual documentation to provide and the bankruptcy will remain on my file for 10 years

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