vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
I made a checking account deposit with a personal check from my father in the amount of {$6000.00} on XX/XX/2022 to my US bank checking account. I made this deposit Via ATM after XXXX as I was working and could not complete the deposit earlier. Due to the deposit amount I was not able to complete this transaction via the mobile app. I assumed there would be a hold on the funds due to the time and amount of deposit which is reasonable, however there was an additional hold placed for several days. I received a letter from the bank dated XX/XX/2022 that stated we have placed an additional hold on funds deposited because " we have information that leads us to believe this check will not be paid ''. It was a check from my father 's credit union!? And what information do you have that would lead tou to believe the funds would not be paid. Of course no such information could be provided. My depsoit has been held for an additional week. I incurred multiple late charges and overdraft fees due to the very unnecessary extended hold. I have been unable to pay my mortgage or utilities due to this. Unbelievable! My father provided me a snapshot from his bank account proving the check cleared his account on XX/XX/2022. 
I contacted both the XXXX customer service department AND my local branch and was told there was nothing they could do. The local branch stated they could try to contact my father 's bank to verify funds but that majority of banks no longer do this for Privacy purposes. I understand that hold policies are in place to protect the bank and Consumer but to extend a hold based on a claim that they have " Information that lead them to believe the check would not clear '' when no such information could be provided is unethical, predatory and very dishonest! 
The letter I received also stated that they would reimburse me any fees incurred as a result of the extended hold. We shall see. I'm not hopeful at all. 
I have been banking with US Bank for over a decade but I am absolutely disgusted and disappointed with their so called policies. As soon as I am able I will be banking with another more honest and ethical institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Tried multiply times trying to link my bank to credit card company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$240000.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$240000.00} / XX/XX/2022 XXXX XXXX/ {$0.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: NJ

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$240000.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: OR

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

15 USC 1618 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Sections 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: OR

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

15 USC 1618 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Sections 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX XXXX  balance XXXX account # XXXX 30 days late in XX/XX/2020, and XXXX 2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ; XXXX Account # XXXX ; XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I am trying to work with this loan company. I inquired the home in XXXX 
I have called several times to inquire about payments. I was under a bankruptcy. It was dismissed. 
I have sent paperwork to this loan company : will, death certificate, the social security numbers. 

They keep telling me that I am a third party on this loan. I am willing to pay {$500.00} a month. I had my attorney sent them a write off stating my bankruptcy was dismissed. 
I called they again say they don't have the paperwork. My attorney also sent paperwork. 
I don't want to lose my home. 
I have a XXXX XXXX  and a brother that has XXXX they are with me. 
I am stressed out to no end. They say they don't refiance, I know my credit is bad but I manage to pay taxes. I have new cabinets in my garage but now it is on hold. I am not putting them in if they are taking my home. 

Please can you help me? 

XXXX XXXX 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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive sent in multiple of letters to Experian, XXXX XXXX XXXX to dispute all incorrect address from my credit report. I also sent them a updated Address, phone number & Job for 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 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
Called XXXX on XX/XX/XXXX when debt was originally discovered advised to send in copy of DL and other ID docs. Sent in XXXX called and advised debt had been sold to Jefferson Capital to contact them. Advised Jefferson Capital debt was not mine and this had already been determined by XXXX - debt was previously removed from my credit but reappeared as opened in XX/XX/XXXX -called Jefferson Capital and they indicated original debt was bought in XXXX Credit shows this company despite receiving info that this is not my account is reporting the debit as recently opened on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have been unable to the Remove Extended Fraud Alert & the Promotional Opt-out. Transunion also faild to attach my current phone number on my extended fraud alert making it impossible for creditors to contact me. 

This is unacceptable and I want this alert removed immediately. And I want to Opt-in the promotional services

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD bank decided to close my account I had XXXX dollars I went to the branch that is near my house and I was told that the money was withdrawn from the account on XX/XX/2022 and that they didnt know where the money was to call the de marketing department I was given a number I have been calling since then and its just an answering system where you have to leave your name and number for a call back I have not received a call back from them nor have I received my money. I tried calling customer service and they tell me the same thing that they are not able to identity where the money is and to go into a branch. They have me back and forth with no answer and I just want my money back. I dont understand what the problem and at this point dont really care I just need my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive sent in multiple of letters to XXXX, XXXX XXXX TransUnion to dispute all incorrect address from my credit report. I also sent them a updated Address, phone number & Job for 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 2022-05-04 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: FL

Complaint narrative:
Ive sent in multiple of letters to XXXX, Equifax XXXX XXXX to dispute all incorrect address from my credit report. I also sent them a updated Address, phone number & Job for me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I contacted the credit bureau all of them and they removed it now its back on my report also I report the issues about unknown phone numbers addresses jobs that not related to me and they want remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: MT

Complaint narrative:
I'M HAVING ISSUES WITH GETTING MY COMPLIANT SUBMITTED TO XXXX XXXX FOR AN ACCOUNT THAT DOES NOT 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 2022-05-04 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: MD

Complaint narrative:
Dear Sirs, Upon obtaining a copy of my credit report, I noticed there are inaccuracies being reported. I reached out several times to get these inaccuracies removed. I would appreciate the following items being investigated as soon as possible. According to the United States of America Fair Credit Reporting Act. My rights are being violated. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 section 604 A. States a Consumer reporting Agency can not furnish a account without my written instructions. 
15 U.S.C 1681 section 604 A. I have never had any credit transactions involving these consumers. 
XXXX XXXX XXXX : Acct XXXX. {$2000.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX {$920.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX. {$3300.00}. XXXX XXXX 
XXXX XXXX XXXX XXXX Acct XXXX. {$2400.00}. XXXX XXXX 
XXXX XXXX XXXX XXXX : Acct XXXX {$13000.00}. XXXX XXXX 
XXXX XXXX : Acct XXXX {$460.00} XXXX XXXX 
XXXX XXXX XXXX XXXX : Reference # XXXX Year XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX and Out with a balance of {$23000.00}, XXXX XXXX XXXX with balances of {$240.00} and {$320.00}, and lastly XXXX XXXX XXXX with a balance of {$890.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
While on vacation in XXXX, XXXX, I made several charges on my Citibank credit card. For these charges, I received a receipt. However, immediately after each legitimate charge, the waiter made a second charge to his personal business. His personal business is a fraudulent company that he set up to get money for himself. The company that the charges were made to is called XXXX. Here are the dates and amounts of the fraudulent charges ; XX/XX/XXXX - {$170.00} ; XX/XX/XXXX - {$170.00} ; XX/XX/XXXX - {$170.00} and XX/XX/XXXX. I realized these charges were being made when I noticed that my balance was increasing more rapidly than it should. I checked my Citibank account online and I spotted the fraudulent charges. I immediately contacted Citibank. After several telephone conversations, Citibank suggested I close my account and continue the dispute process after returning to the United States. When I returned to the US and contacted Citibank, I saw that Citibank had closed my account and put through all of the fraudulent charges. I would like for these charges to be reversed because this company does not exit and I DID NOT MAKE THESE CHARGES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler & Pressler has been told repeatedly that this is fraudulent debt. They even have a fake address on file from their creditor XXXX XXXX. Despite being told repeatedly, they continue to use bullying tactics, ignoring that it has been reported to both Them and XXXX XXXX as fraudulent. They have no records of the card being opened or who opened it, which would prove that it is fraudulent. 

They consistently have to 'check information ' then don't call back. Today I spoke with XXXX XXXX who didn't even know their License # for debt collector and indicated he was representing the attorney 's office not the debt collector. XXXX refused to provide the information needed on the affidavit of fraud and refused to send it to his work address as per request. He also refused to provide the same affidavit information electronically or by fax. 
He asked for an affidavit but refused to provide the information needed to clear the debt. 

They claim they responded to a former complaint to CFPB on XX/XX/XXXX but they refuse to indicate what their response is to the fraudulent debt charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I have a phony balance in the debt collection agency Aldous and Associates PLLC. I took up the phony amount in small claims court in XXXX and the magistrate dismissed the case. I spoke to an attorney after about appealing the decision but they let me know it wouldn't be a good idea. The attorney agreed that I was done wrong and that I had a case but it would be difficult to win. The first time this company contacted me was XXXX of 2021. At this time I told them I had an attorney involved in which they got the information for my attorney but never contacted them. Prior to the court date I requested in writing the amount that is in collections and it came after the court date happened. Since XX/XX/XXXX I have received 8 phone calls from them and they left voicemails 7 times. After the 8th call I decided to block the number from calling me. The last call before I blocked them was yesterday XX/XX/XXXX. The amount in collections is {$900.00}.

Company response to consumer: Closed with explanation