vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The list of information and inquiry was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiry listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-12 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, these following accounts have violated my rights : XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX ) XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( # XXXX ) XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) 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 2022-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST
State: FL

Complaint narrative:
The bank was XXXX XXXXXXXX XXXX, it was shut down due to a ponzi scheme. XXXX XXXX XXXX XXXX, handled by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, phone XXXX with email XXXX informed us that the XXXX, XXXX and XXXX check they sent us were never cashed. In addition the XXXX check they claimed due to the embargo against XXXX, where we reside full time, was sent via regular post office mail, which we never received as there is no postal service in XXXX. When we tried to deposit check {$5.00}, XXXX & XXXX, they bounced because the bank that issued it, Bank of the West, XXXX XXXXXXXX XXXX XXXX stated that the signature on the issued check, not our signatures, the person who signs and approves the checks to be paid was not a recognized signature ( signature irregular ). We called the Bank of the West and they sent us to our other XXXX XXXX XXXX XXXX to deal with them. We met with XXXX XXXX and showed us how they were returned/ bounced due to the Bank of The West not recognizing the issuing signature. We have emailed XXXX XXXX XXXX and have called them numerous times and no response from them. They asked us to email them a Wire Transfer Form, which we did, and they did not take action. We have lost so much money to begin with due to the fradulent business practice of XXXX XXXXXXXX XXXX and we have to be able to recuperate at least what the Bank of The West in CA has issued. We spoke to The Bank of the West in CA and they state because it has been to long the checks expired. But they returned the checks to XXXX  and by the time it was addressed now time has expired? Please help us. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: AZ

Complaint narrative:
The list of information and inquiry was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiry listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX XXXX XXXX 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 2022-07-12 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:
XXXX bank draft of {$2300.00} deposited via mobile 2 hours prior to XXXX EST cutoff. Autocheck hold posted next morning. 

1st CS rep told me to visit branch. 
Branch did not have enough reps to handle my request in a timely manner. 
Called CS while in lobby, transferred through 3 different people. 
Fourth person, as CS supervisor, advised me there is no way to confirm the funds and release the hold, will have to wait a week for my funds to be released automatically.

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 2022-07-12 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:
Equifax is reporting inaccurate personal information on my credit report which is adversely affecting my ability to obtain credit approvals due to conflicting information in their database. This is damaging to my credit profile and per the Fair Credit Reporting Act, I am hereby requesting for the following inaccurate information to be removed : 1XXXX name : XXXX XXXX XXXX 2. address : XXXX XXXX XXXX XXXXXXXX, FL XXXX Please delete the above information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: TX

Complaint narrative:
I have contacted XXXX XXXX Experian in regards to the fraudulent reporting of an account with XXXX. I am a victim of identity theft and have supplied proof of my FTC Affidavit along with proof of my identity yet this fraudulent account is still reporting on my credit. XXXX has not removed this information from my credit reports despite me contacting them numerous times and are per the Fair Credit Reporting Act 15 USC 1681c-2a this information was to be removed within 4 days upon receipt of this correspondence. 

My consumer rights have been violated and I intend to now file a lawsuit with federal courts if this is not immediately rectified. 

Please see attached certified correspondence with this 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 non-monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: NC

Complaint narrative:
Opened account on XX/XX/XXXX with a promotional bonus of up to {$300.00} if qualifying direct deposit of {$5000.00} was completed within 30 days. I completed the threshold on XX/XX/XXXX. Terms mention it would pay out after 14 days of evaluation was completed and it has not paid out. This morning XX/XX/XXXX i reached out to support and was told that i did not qualify due to a previous account direct deposit bonus. Nowhere in the terms does it say i would ineligible for this new account bonus but the representative assured me that i was not eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hi, my name is XXXX XXXX and I have a joint bank account with my mother XXXX XXXX. Around XXXX the PNC Bank mobile app and website was not letting us log into our accounts. The next day, we were able to log back in and saw that all of our money was gone. I called PNC bank and they told me many people were hacked that day. They told me they couldnt do anything over the phone and told me to contact the police. I contacted XXXX Police Department and they told me they couldnt do anything until PNC bank wrote them a letter confirming that our money was missing. I went to the bank and I was told I no longer needed to involve the police and that they would do a dispute to return our money. When the dispute was done, we received back our {$3600.00}. This month PNC reversed the dispute done in XXXX and said my mother and I needed to repay them the money that was returned to us. They took my mothers paycheck of {$1100.00} out of our account and they also did a fee of {$72.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: PA

Complaint narrative:
Filed two disputes with credit bureaus reference, XXXX XXXX  account that is negatively affecting my credit. I have never had any medical procedures, nor the company has any valid information attaching me to this fraudulent account. Upon initial dispute confirmed the address was not mines ( ID verifying my identity and address uploaded ), they ( XXXX XXXX ) do not have my social security number, and any other identifying information attaching me to this account. Contacted the reporting company and they have no interest in assisting me in this matter.

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 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citi Advantage card was taken out in my name. On Sunday XX/XX/2022 received by email notice that I had a card balance of {$3300.00} as of XX/XX/2022. Since I had not requested this card I called Citibank that same day and reported that I had not applied for this card. They indicated they would open an investigation. I received the credit card on Monday XX/XX/2022. Interestingly enough I received from the XXXX XXXX XXXX an Official Change-of-Address validation on XX/XX/2022. I contacted the XXXX by phone and advised them I had not requested a change of address on XX/XX/2022. XXXX requested more information on XX/XX/2022 which I provided. 

This was not first time I have received correspondence from financial institutions on loans being applied for. In XXXXXXXX XXXX 2022 I contacted XXXX and had them add fraud alert to my credit report. They shared with XXXX and XXXX and the alert is supposed to be there for a year.

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 2022-07-12 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: IL

Complaint narrative:
1I Sent my letter off on XX/XX/2022. 1 told the credit bureaus to investiage every piece of information on the accounts I have listed below. Also I have attached the letter l sent out and here is the Tracking number XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion there of in which information on a consumer 's character, general reputation, personal characteristics, or 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 account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is reporting wrong and they couldnt have verified it I sent XXXX a 609 letter to get the info on the account and it was returned because they sold the account this information needs to be delete asap 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 explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I closed on a mortgage refinance ( XXXX XXXX  ) on XX/XX/XXXX. As part of the closing, the closing company ( XXXX  ) sent a payment of {$1100.00} to the XXXX  of XXXX for XXXX XXXX property taxes out of the closing costs that I paid upfront to XXXX, leaving a " cusion '' of {$1000.00} in my escrow account. 

Within a month of closing, my loan was sold to Chase bank. That same month, Chase bank erroneously used the remaining funds in my escrow account to send a duplicate payment to the XXXX of XXXX for XXXX XXXX taxes, causing my escrow acccount to go negative. 

Now Chase has completed an escrow analysis and indicated a shortage, which is largely the result of not carrying over the escrow balance into XXXX as they should have done. Chase has now increased my monthly payment by over $ XXXXmonth to account for the shortage. 

They are claiming that it is my responsibility to request that the XXXX of XXXX refund the double payment to me, which I must then pay to Chase toward the escrow account. As the XXXX of XXXX has already applied this double payment to my XXXX XXXX taxes, this does not seem like a likely scenario. 

Chase made the error, and now I'm supposed to either pay for it or jump through hoops for the slight possibility of getting it corrected. In the meantime, I was warned that if I do not make the payment for XXXX, which I have disputed, I face late fees and negative credit reporting. 

At a time where consumers like myself are facing unprecedented financial hardships, we should not have to bear the burden when a global megabank makes an error. The threat of additional penalties just adds insult to injury. Chase must take whatever steps necessary steps to correct my payment ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-07-12 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: FL

Complaint narrative:
XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, these following accounts have violated my rights : XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX  ( # XXXX ) XXXX XXXX XXXX XXXX ) XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX ( # XXXX ) 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 2022-07-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After months of disputes and an attempt to settle the balance with the merchant, and successfully paying off an agreed settlement offer, the merchant went back to my credit reporting agencies and removed my closed account status and reopened it, replacing the CLS ( CLOSED STATUS ) with a CO ( CHARGEOFF STATUS ). 

In XXXX I took advantage of the settlement offer, paying a little more than {$300.00} towards the balance to have it closed out. I was advised by the Bank of America XXXX merchant ) XXXX XXXX  representative XX/XX/2022 that after paying off the settlement, their institution would send a CLOSED status update to my credit reporting agencies. I proceeded with this offer and ended up paying off the settlement earlier that I had agreed to do. My 1st 2 payments were XXXX and XXXX. In XXXX I paid the rest off to close out my settlement sooner than scheduled. 

During this time I continued getting Chargeoff STATUS updates on my reports. 

On XX/XX/2022, Bank of America finally updated my reporting agencies with my completed settlement status. 

On XX/XX/2022, I received a XXXX XXXX increase on my credit score due to this settlement update, with a CLS ( CLOSED ) status update on my month to month history bubble for the month of XXXX for this merchant. 

Exactly 4 weeks later, on XX/XX/2022, I received a XXXX XXXX  decrease on my credit score due to Bank of America reupdating my credit report by removing the CLS ( CLOSED ) status update on my month to month history bubble for the month of XXXX. 

I reached out to Bank of America about this and their supervisor would not articulate why they did this. Rather, he tried to spin circles around me with excuse after excuse that it wasn't their fault. XXXX XXXX claimed that the above half of my credit report for this merchant was correct and that the bottom half of the report which showed the history of payments, although incorrect, wasn't important and wasn't their fault and that I needed to submit a dispute with my credit reporting agencies, eventhough I already had done so to begin with, which is what caused this mess in the 1st place. 

CONCLUSION. 

This account is CLOSED, and the merchant submitted an update in XXXX to reflect this fact. They then went in a 5 weeks later and reversed their update from CLOSED, and slammed me with a " MISSED PAYMENT '' for XXXX which dropped my score! 

THIS IS FLAT OUT WRONG AND NOW MY CREDIT WAS RUINED BECAUSE OF THEM EVEN AFTER PAYING THEIR STUPID SETTLEMENT!

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