vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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: DE

Complaint narrative:
My name is 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 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 2023-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: VA

Complaint narrative:
Check never came and they will not comunicate at all. 

XXXX, XXXX XXXX XXXX, XXXX XXXX email from XXXX, XXXX XXXX XXXX XX/XX/XXXX you wrote Thank you very much for sending the document over, I will proceed in closing the account. 
The check will go out Monday and should take 7 to 10 business days to arrive. Please let me know if you have any questions. 

Was the account closed or is still being drained with inactive account charges? 
Do you know why we never got the check? 
Thanks 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 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: VA

Complaint narrative:
I made an extra payment ( $ XXXX ) to my mortgage XX/XX/2023. On XX/XX/XXXX I notified ( via online from their website/email ) ARVEST Bank that the {$10000.00} was to be applied to principle. One week passed and a checked my account online and found that ARVEST Bank incorrectly applied the payment as {$1200.00} for future payment and {$8700.00} principle payment. 
I called ARVEST Bank and asked them to correct the error. They assured me they would make the change. Another week passed and no change. I made another call to ARVEST Bant and they assured me again that they would make the change. Today XX/XX/XXXX, I checked my account online and found that they reversed both {$1200.00} and {$8700.00} payments as if no payment was made. My principle balance increased by {$10000.00}. 
I called ARVET Bank once again and asked where is the money. The response I received was that the funds are in a suspense account. I got another assurance that the funds would be applied correctly. I am not convinced that ARVEST Bank is doing their job correctly. 
I have had this mortgage for more that fifteen years. I never once made a late payment. Please investigate the actions of this company to ensure they are not mismanaging customer accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: DE

Complaint narrative:
XXXX blocked and deleted these accounts and updated my personal information. 

See attached for removals from XXXX. 
FTC report. 
Drivers License Along with previous ignored complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: NC

Complaint narrative:
I XXXX XXXX my SSN is XXXX and my XXXX is XX/XX/XXXX. I reviewed my consumer reports and noticed that there was an inaccurate account ( s ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Important dates Original filing dateXXXX XXXXXXXX XXXX XXXX Latest status dateXXXX XXXX XXXXXXXX Additional details Reference XXXX Record typeXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry dateXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX XXXX Removal dateXXXX XXXXXXXX Additional details Business typeFinance other than personal Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX I contacted TransUnion and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

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. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never 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 non-monetary relief
Consumer complaint received 2023-02-28 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: NJ

Complaint narrative:
There is a XXXX XXXX  account that doesn't belong to me, yet it is showing up on my personal consumer report

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 2023-02-28 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: NJ

Complaint narrative:
There is a XXXX XXXX  account that doesn't belong to me, yet it is showing up on my personal consumer report

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 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Deposited a cashiers check and a 7 day business hood was put on it. Per federal government a cashiers check should not be placed on hood in excess of two days since the money is deemed available. The bank never called to verify funds as the number to the financial institution was on check. They have caused great financial distress by making me late with rent. This was a cashiers check not a personal check they labeled the check as doubtful collection when I have never had any fraudulent activity on my account since opening my account they labeled me and held my funds for no apparent reason and still not understands no the excessive hood on a CASHIERS CHECK

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 2023-02-28 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: TX

Complaint narrative:
Back on XX/XX/2022 i did a complaint showing that the credit reporting was showing that i was late on my loan and i was not. My loan processing company has sent them over countless letters stating there not reporting that i was on a covid forbearance till XX/XX/XXXX of XXXX from XXXX XXXX its showing that im late on my payment from XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX which is incorrect. The balance on my loan is incorrect. I have attached the covid letter.

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 2023-02-28 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:
I XXXX XXXX XXXX my SSN is XXXX and my XXXX is XX/XX/1994. I reviewed my consumer reports and noticed that there was an inaccurate account ( s ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  # XXXXXXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX I contacted Experian and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

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. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never 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 non-monetary relief
Consumer complaint received 2023-02-28 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: AR

Complaint narrative:
I sent my letter on XX/XX/2023. I told the credit bureaus to " investigate all information '' on the accounts listed. Also attached is the letter I sent to all 3 credit bureaus. 

According to the FCRA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or a mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also some of the accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts 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 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I wrote to XXXX XXXX XXXX, CEO of PNC Financial and asked for an audit on my mortgage account # XXXX. I also asked for a transcript of payment history and charges since the inception of my loan. 

During Covid, my account was on a Covid hold. When the hold was lifted, I continued to make payments, but struggled to come up with the past due balance. I was charged an extra $ XXXX on each payment to apply towards the deficit of an estimated {$16000.00}. In XXXX of XXXX, I paid all arrears in full to avoid foreclosure and get my loan back on track. My payments should have returned to their normal amount at that time. 

I am still being charged the extra amount for a deficit on my account, which causes a hardship. I have asked that this be reconciled, with no answer from PNC. 

I would like PNC to audit my account for discrepancies and duplicate charges. I also would like a transcript of charges and payments since inception, so that I can have an independent audit to verify. 

Can you help me get a response?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XXXX, I took out a private loan from Sallie Mae ( Navient ) in the amount of {$8000.00}. This loan required repayment to immediately begin. I have consistently made the monthly payments on this loan for over 13 years. I haven't been late on my payment for this loan I have not been late on a payment for this loan in almost 10 years. 
In looking into my loan, I discovered that at the time of distribution, my principal total was {$8000.00}, but the " unpaid principal '' began at over {$14000.00}. So I have been accumulating interest and paying on a number that was not what I applied for or was dispersed. In XXXX my loans were sold to Navient and the total principal was changed to {$6700.00}. In the 10 years since they were sold, I have paid over {$7000.00} on this loan and the total principal owed has only decreased to {$5700.00}. There is not a way for me to control how my payments are allocated and there doesn't seem to be explanation anywhere. Today when I went to review this loan again, the status has been changed to in-school deferment. I have not requested this, nor did I give permission for it to be put in this status and I do not have a way of correcting this myself. The pay off date for this loan currently shows XXXX and with the current amount I am paying monthly, this would result in my paying another {$13000.00} or more on this loan. 
How a loan for {$8000.00} that has never been refinanced could end up costing the payer over {$24000.00} in the lifetime of the loan is crazy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: MD

Complaint narrative:
I sent a letter asking XXXX, XXXX & Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violations. 

15 USC 1681- XXXX, XXXX & Equifax have 30 days to investigate and send me a reply. 

They also did not record the current status of my disputed information which is another violation. 

Equifax ACCOUNTS TO BE REMOVED : XXXX. XXXX XXXX  account # XXXX amount {$18000.00} XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX amount {$0.00} XXXX. XXXX  ACCT # XXXX amount {$0.00} XXXX ACCOUNTS TO BE REMOVED XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX AMOUNT {$18000.00} XXXX. XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX BANKRUPTCY ACCOUNT NUMBER XXXX XXXX ACCOUNTS TO BE REMOVED XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX  ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was defrauded by a company I thought was XXXX XXXX. 
I was attempting to get a refund for charges being made after I cancelled my account. 

After some discussion they said it was a Two Step authentication process. 
They had me open XXXX and get a code. I did. It seemed authentic. 
Then we agreed they would use XXXX to transfer the money owed. 
I had never used XXXX, so I wasnt sure how it worked. I assumed like XXXX? 
I have computer people that access my computer remotely, so I thought it was ok as I assumed these guys were legit. 
I gave them access to computer, but NOT the codes sent to my phone. ( BOA said I gave them those codes so refused the claim ). 
Before I knew what was happening he was making tranactions through XXXX that I thought was putting money owed into my account, but he emptied it instead. 

I know if sounds foolish and stupid in hindsight. Im usually so skeptical, so I cant believe it happened. 

I have been a client of BOA for almost 35 years. Ive never filed a claim. The one time I need their help and they refused. 
I called multiple times and they kept saying they had my wrong email address. I gave them the correct email but they never sent and explanation. Instead I received only this letter ( attached ) with no option to appeal or no recourse. 
The explanation is based on the phone call I made to the fraud department and that persons perception or interpretation of what I said. 
The facts are not correct.

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 2023-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: TX

Complaint narrative:
I purchased a car from Carvana and they state that all maintenance was done on the car before purchase. After 2 weeks of having the car the change oil light came on. When I contacted them they said too bad, this is routine maintenance. I had to pay for it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/23 I opened a Citi high yield savings account online. I was actually solicited to do so since I currently have 3 existing Citi Credit cards that I have had for years. I clicked on the link, opened the account via online application with no issues and even received a debit card and pin # in the mail for the account. I funded the account immediately electronically through my existing XXXX XXXX savings account. Everything was fine and all of the sudden I logged in and saw XXXX available balance when the day before I had an available balance of XXXX. I called immediately and was read a script that my account has been closed and I could not be provided with an explanation over the phone. They informed me it would take 30-60 days to get my {$15000.00} back via a mailed check to my address even though it took a matter of minutes for them to debit my TD banking account for these funds electronically. Now I am left here penniless. No money, no explanation. If there was a problem with opening the savings account or with my application for any reason, the application should not have been approved and the account should not have been opened. Please help me. This is unjust and unfair. I can not eat or sleep over this and I need help regaining my life savings. 
Thank you, 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 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Friday XXXX of XX/XX/2023 I open a business checking account inside the branch and deposited the checks that XXXXXXXX XXXX sent me for account closure. Received a call from XXXX this morning that those checks was already deposited and cashed out from them on Friday. Regions is failing to release my funds snd now is stating that their back office has the account on hold because of investigation of the checks 3 total XXXX, XXXX and XXXX all separate checks deposited into the account XXXX Ive spoken with other representatives from Regions and they stated I just to verify more information but when going back Regions that are stating something different. XXXX XXXX  is still releasing negative information about me in which Ive already frozen all information about me previously due to identity theft issues. They have all that information on file already but continues to report on my behalf in which they have been instructed to do so.

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