vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On approximately XX/XX/2022, I learned that XXXX checks from my company XXXX XXXX XXXX XXXX XXXX XXXX, in the amounts of {$9300.00} ( XXXX # XXXX ) and {$1100.00} ( XXXX # XXXX ) had been cashed from my business account, but the names of the payees had been changed from the payees I wrote the checks to ( and in the case of XXXX # XXXX the amount had been changed to {$2500.00} from the original amount of {$1100.00} ). I filed a fraud claim with Truist Bank. They told me that my cash could be tied up for XXXX days while they investigated the claim. This has put a serious cash flow hardship on my small business for an error that was made on the bank 's part. I am complaining about the policy of Truist Bank holding on to my company 's cash for a long period of time when the error was made was on its part. After complaining to my local Truist branch for over a month and having them contact the bank 's fraud department, I finally called the fraud department myself and was told that the paperwork was incomplete. No one had ever told me about any paper work to be completed. I completed and filed the paperwork immediately. I called the Truist Fraud Department today and was told that the investigation could take up to XXXX days, now XXXX days longer than I was told initially. I simply do not understand how Truist can hold up my company 's money for an error that it made, putting my business at risk. XXXX 's motto is " We've Got Your Back. '' In my case Truist is stabbing my company in the back. The bank just clings to its stance, saying " this is the bank 's policy. '' It is a poor one.

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 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I closed this account on XX/XX/. Once I closed the account I started getting charged account maintenance fees of {$12.00} per month. Its almost like a penalization for canceling and a way for the company to continue to get more money from consumers because they wont be spending any more money. Its ridiculous that credit card companies are allowed to do this. On top of this, since its a fee they are allowed to put this amount on top of the minimum payment amount. So my minimum payment amount has increased, making it hard for me to pay it monthly. Because of that, Ive been charged late fees for several months which also get added on top of my minimum payment. Making it even harder to pay my monthly minimum. I called Fortiva and they refused to reverse my late fees because I closed my account. 

This isnt a consumer friendly card and they want to milk the consumer anyway they can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion is reporting a public record. That has been closed for over two or three years. Said public record was paid in full. Therefore shouldnt show as a collection.

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 2023-01-13 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: NY

Complaint narrative:
Do NOT CLOSE THIS COMPLAINT. I am making this complaint me the human person not some third party company. anyways i noticed some accounts on my credit report that i never signed up for and realized that i am the victim of identity theft. I sent a police report to the credit reporting agencies but they didnt remove any of the accounts that didnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Commercial Services, Inc
State: CA

Complaint narrative:
I entered a XXXX  month lease agreement for my mother with XXXX XXXX in XX/XX/XXXX, unfortunately she was unable to live in the apartment due to her XXXX. The management co and apartment management were both notified of such. I was notified that I would be held liable for the lease until such apartment was re- rented which happened in XX/XX/XXXX. No communication had been received from either the apartment management or XXXX until yesterday XX/XX/XXXX when we received a collections call for XXXX. The issue I have is how can XXXX people pay for the same apartment. Wouldnt that be considered fraud. Please help me. The collection agency refuses to discuss the issue, XXXX XXXX refuses to discuss the issue and the apartment managers are also refusing to talk to us. My husband is the co-signer

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
I attempted to dispute a charge on XX/XX/, and the company cash app would not process. They didnt even look at my disputes. They were XXXX unauthorized charges, as well as one ATM that did not dispense any money. When I tried to reach out to them about this, they will not provide me any additional information you requested to appeal this dispute, and they said that they would not even look at it I then attempted to have my partner assist me submitting a complaint on XXXX XXXX  and they gave a pathetic response that did nothing to fix the problem. I want my money back and no one is wanting to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: MD

Complaint narrative:
I have identified information on my consumer report that should not be there. Please view the attached items for further detailed information on this matter. 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 non-monetary relief
Consumer complaint received 2023-01-13 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: NY

Complaint narrative:
On XXXX XXXX XXXX  inadvertently applied an electronic bank payment to the wrong credit card. I contacted XXXX XXXX Barclay 's credit card company on XX/XX/XXXX, via an online form. They stated that I had a credit balance of {$1500.00} and that I should receive the check within XXXX  to XXXX  business days. 

I contacted them again on XXXX XXXX XXXX because I had not yet received the check. They said that " due to a system error, it does not appear as thought [ sic ] the first request went through '' and again stated that I would receive a check within XXXX  to XXXX  business days. 

I contacted them yet again today, XXXX XXXX XXXX because I had not yet received the check. They stated that the had completed my request as of today, XX/XX/XXXX, and that I would receive it within XXXX to XXXX  business days. They refused to provide me with a check number as evidence that they actually issued it. They also suggested I contact customer service via telephone to speak with a manager. I did but hung up after being on hold for a 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 2023-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I had a payment due on XXXX  that was set for autopay. I called XXXX  to notify Westlake Financial Services that I had a new bank account number and to please use the new one. As shown on the screenshots below every time that I would log in it to make a payment, it would say that I did not have a payment due until XX/XX/XXXX in the amount of {$550.00}. It also clearly game a warning that a payment was in process and asked me if I was sure if I wanted to make another payment. I don't have the money to make a duplicate payment. As a student and full time XXXX driver, I would've made the duplicate payment if I would've known my car would be repossessed for their own mistake or not updating the financial dashboard. Very misleading and borderline malicious how XXXX went about things. In my head without any email notice or phone call, from Westlake Financial ( The Lender ) and the Collections department that is ironically also ( Westlake Financial ), my car was repossessed on XXXX  and sold back to the original dealer of purchase. Weird. In addition, at the time of purchase the dealer did not give me an option to use XXXX XXXX or another lender of choice and pressured me to use Westlake Financial which is not surprised. At first when talking to XXXX XXXX at XXXX, he refused to answer any questions and kept referring me back to the dealer as the car was sold back to them in the matter of hours. I personally believe the relationship between Westlake Financial and this dealership is very suspect. On top of this, XXXX has a 15 Day Grace period to make a payment which in this case, they took my recently purchased auto and {$1500.00} hard earned dollars for being 10 days late. I am a full time XXXX driver and this has taken a toll on my quality of life and will require a serious lifestyle change to get my life back. I am in the dispute process and hope that the XXXX can help me with a resolution to get my vehicle back.

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
The company listed below has a claim under my name on XX/XX/XXXX. My Insurance company is XXXX XXXX at XXXX and they have XXXX records of claims under my name. I have attempted to reach out to have this removed and they only allow you to submit a request but no one has responded. I have had no insurance claims since XXXX This is effecting my ability to obtain car insurance at a reasonable rate. 


Comprehensive Loss Underwriting Exchange ( CLUE ) Status : OrderedReport Source : LexisNexis Risk Solutions XXXX Reference : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I had a check stolen and washed from my mailbox on XX/XX/XXXX. I checked my bank account online on Sunday XX/XX/XXXX, and I noticed that the check had been altered or " washed ''. I reported this to the PNC Bank the next day, XX/XX/XXXX. The woman I spoke too agreed that the check had been altered. I was advised to report the theft / alteration to the local law enforcement agency, which I did, also to report the incident to the Postal Inspector general, which I did, and fill out a " Affidavit of Altered Check ''. PNC Bank mailed me a blank form. I completed the form and had the document notarized, as requested and mailed the document to the PNC Bank XXXX in XXXX KY. I did all that I was instructed to do. I was told that " XXXX investigations '' could take between XXXX and XXXX  days to resolve on the initial phone conversation. Then, nothing from PNC Bank. I called XXXX times for an progress report and was told that " the bank can not comment on going investigations. '' I was then told in late XXXX that the amount of time that was required for fraud investigations takes between XXXX and 120 days. 
I have a personal banker with PNC Bank, as I have been a long time customer. I spoke with " XXXX '' my personal banker in mid XXXX, she was of absolutely no help. She said that she called and left a voice mail on my cell phone, I did not have any indication that this was true an there was no voice mail. She then went on vacation until XX/XX/XXXX. I spoke to XXXX on XX/XX/XXXX, I was not satisfied with her comments and asked to speak to her supervisor. Her XXXX, " XXXX '' called back the next day. I was not satisfied with his answer of " sorry, this one fell thru the cracks. '' I asked to speak to his supervisor. 
I did receive a call earlier this afternoon from a female, I shared my frustration with the situation. She informed me that the {$650.00} from the washed check had been deposited in my checking account on XX/XX/XXXX. I checked and that was in fact true. Because of the XXXX XXXX during XXXX I missed the deposit. However, neither XXXX XXXX XXXX mentioned that the money had been returned in our phone conversation on XX/XX/XXXX and XXXX, XXXX. I wonder why? 
I believe that the left hand does not know what the right hand is doing and no one at PNC Bank communicates with others, and they are do not communicate with the victim/customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I have communicated with XXXX that this is not my debt and that this is fraudulent activity. The amount is {$620.00}. The following are the report dates on my credit report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: NY

Complaint narrative:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Information here : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2023-01-13 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: NY

Complaint narrative:
Do NOT CLOSE THIS COMPLAINT. I am making this complaint me the human person not some third party company. anyways i noticed some accounts on my credit report that i never signed up for and realized that i am the victim of identity theft. I sent a police report to the credit reporting agencies but they didnt remove any of the accounts that didnt belong to me.

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 2023-01-13 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: NY

Complaint narrative:
Do NOT CLOSE THIS COMPLAINT. I am making this complaint me the human person not some third party company. anyways i noticed some accounts on my credit report that i never signed up for and realized that i am the victim of identity theft. I sent a police report to the credit reporting agencies but they didnt remove any of the accounts that didnt belong to me.

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 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Called bank fifth third XX/XX/2023. I was told I will receive an temporary release of my transaction make on XX/XX/XXXX XXXX of XXXX and XXXX in XXXX business days. Which is today on Friday XXXX XXXX. But my temporary release didnt happen. I was lied to by bank workers who knew the policy. I called because the funds was not made available to my account. Like I was told on record lines. They said the transaction was to old, but I given misleading information by this bank fifth third I was given XXXX case number XXXX for the disputed and another for my temporary release. I feel this is misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: TX

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: TX

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I went to XXXX XXXX Texas with the address XXXX XXXX Texas XXXX, XXXX, TX XXXX. I bought a Refrigerator for the amount of XXXX. I Have explain to the sales person that I wanted to pay this as soon as possible and I asked if the have any offer to pay with no interest, He have told me there is an option of paying in 120 days with no interest with American First Finance. When we make the agreement, he asked me for my debit card and also told me he will make everything ready for me so we will have automatically payment for approx. 4 month and also told that I don't need to worry about anything else. 
I never received the contract as apparently the sales guy wrote my email incorrectly. 
4 days ago I have notice that American first finance keep charging me monthly and I start to find put what is going on. 
So Sales guy make everything on the computer but he put a minimum amount of paying monthly. Now American First Finance is charging an amount of XXXX dollars for the refrigerator, 4 times the real cost. 
I have contacted an attorney and he told me my first step is to make a complain in here. 
I will attach the contract. 
also we have been paying so far XXXX to American First Finance .

Company response to consumer: Closed with monetary relief