vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have two checking accounts under my account with Truist Bank. One is a minor account. On XX/XX/23 the minor account was charged {$36.00} overdraft fee. On the same day prior to the overdraft fee a transfer of funds in the amount of {$30.00} was made to my other checking account at XXXX ( ET ) The monies were available as the transfer was made successfully. At some point after the {$20.00} from a transaction that was successfully made on XX/XX/23 at a gas station was withdrawn the bank assessed the {$36.00} overdraft fee as well. The morning of XX/XX/23 ( XXXX XXXX  ) I noticed an email stating overdraft fees have posted to the account on XX/XX/23. Which my account shows posted on XX/XX/23. The original negative balance was {$2.00}, I called Truist to explain and dispute the fee and the account was refunded the {$36.00}. 
Another incident was today XX/XX/23 when I received a text alert at XXXX ( ET ) of an overdraft fee assessed on my other checking account. I also had received an email at XXXX ( ET ) stating the fee was posted to my account today ( XX/XX/23 ). Yesterday ( XX/XX/23 ), I made a {$25.00} transfer to the minor checking account around XXXX ( ET ) and it was done successfully as the monies were in the account with a few dollars still left in the account. I called Truist today XX/XX/23 and explained the issue and to dispute the overdraft. I was told a transaction from XX/XX/23 of {$10.00} from a gas station came through on XX/XX/23 and it was originally pending for {$1.00}. The transaction made my account negative by {$0.00} and I was assessed the {$36.00} overdraft fee on XX/XX/23. I was told they will not reverse the fee as they already reversed the fee for the minor account ( which is under my childs name ) and customers are only allowed XXXX reversed fee in XXXX. I explained to both customer care and supervisor I am currently unemployed and I dont have a steady income right now and could not afford to lose {$36.00} over a {$0.00} negative balance and felt it was unfair that they even charged me for that amount. They did not care and would not do anything to help resolve the issue. Ive had issues in the past with them for overdraft fees using their mobile banking. I will no longer continue to keep my money in their account. I have two lines of credit with them and I will continue to pay as I can until its paid off. I will now find a bank who does not assess such ridiculous fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made an accidental transfer from my BoA Checking Account to my BoA credit card Account. The amount was {$17000.00}. 

My intent was to transfer it to my BoA Savings Account. 

Im presently not working and this is ALL of the money I am living on for the next 4 months. 

It happened on a holiday, XXXX XXXX XX/XX/XXXX and the bank being closed I waited until XX/XX/XXXX to call BoA and request a cancellation. I was told that I would have to wait for the transfer to post before anything could be done. 

It posted on XX/XX/XXXX to my BoA Credit Card account and when I called was told a message would be sent to the Resolutions Department and it could be anywhere from XXXX days for a refund. 

3 days later I called to get a status update and determine where in the process it was because I had not received any receipt or indication on my account that anything was pending or being processed. I was told by the receptionist that it would be 3-6 days because it was within my own accounts. 

6 days elapsed and no call. The 11th day elapsed and no reversal of transfer. So I called and was told it may be at the end of my billing cycle which is the XXXX of XXXX. Thats completely unacceptable. The phone receptionist/teller was unable to transfer me to anyone to further explain why this is happening. 

I have no idea why its taking this long or if this information can be trusted. I am living on this money and need to pay bills and no one can give an accurate picture of whats going on or why or when it will be resolved. The tellers/receptionists Im speaking with arent being consistent or giving me the impression they have any idea what theyre talking about and wont allow me to contact the resolution department or a supervisor to determine the issue. 

XX/XX/XXXX will be a month my money will be tied up and theres ZERO indication that it will be ready at that point as theyve been wrong 2 times before. How will I pay bills? Rent?

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon checking my credit report on Transunion, I see they are reporting inaccurate information 's about me on my credit report. There is a collection/charge off report by XXXX XXXX XXXX this alleged account displays inaccuracies all through the 3 credit bureaus. the last activity date on Transunion states XX/XX/2022. on XXXX, the last activity date states XX/XX/2022 and finally, the last activity date on XXXX states XX/XX/2022, these are huge discrepancies. another discrepancies are, the high balance reflecting on Transunion as {$3500.00}, on XXXX as {$0.00} and on XXXX as $ XXXX.This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards by the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit 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: Block, Inc.
State: OK

Complaint narrative:
Cashapp did not give a clear answer to my question on previous complaint here. My question was why did the transaction to XXXX on XX/XX/31 show the incorrect amount, {$410.00}? And, not only was that amount wrong, none of the 3 ledgers on cashapp reflect the correct amount for this transaction, The amount I spent at XXXX on XXXX {$220.00}, The amount on the csv ledger on the cash app website is {$410.00}. 
The amount on the XXXX statement is {$220.00}. 
The amount on the mobile app mobile app lists the amount of the transaction as {$220.00}. 
Why are the ledgers not consistent. 
Why do the amounts cash app lists for this purchase differ? None of them are correct. Ive tried to get cash app to answer me and they evade the question,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX initiated an ACH from our XXXX XXXX XXXX to a Chase Bank account. We were given the wrong account number and Chase Bank FAILED to reject the transfer when the account number and the account name did not match. XXXX XXXX maintains that they have no way of knowing that Chase Bank will do their due diligence and make sure ALL information matches the ACH instructions. Chase Bank did not perform their " best practices '' and failed to red flag the transaction. This ACH was for {$13000.00}. 

I would think ACH transfers over $ XXXX should be flagged if the recipient does not match the account number given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have been reviewing my credit report over the past few months beginning in XXXX, and I have noticed that Experian continues to ignore my request for a complete and accurate investigation after sending in several disputes. I have written to them several times due to inaccurate late payments that continue to show on my report which is defaming my character and stopping me from getting my first mortgage to purchase a home. I was never late with paying my creditor therefore I should not have a late payments on my report from XXXX and XXXX. After writing to them over the past few months I have not received XXXX response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed bankruptcy on XX/XX/XXXX. XXXX XXXX continues to report to the credit bureau a balance owed of {$6300.00}. I start to request back in XX/XX/XXXX for them to send proof/documentation that what theyre claiming they were not included in bankruptcy be verified. My bankruptcy attorney sent them a letter to cease and desist in XXXX of XXXX. They continue to report to all credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inadequate counsel or missing leading information leading up to your filing. I was informed by attorney how to handle my debt when I got to court, the judge told me I was lied to by my attorney and did I want to drop the bankruptcy and not go through with it and I said yes. Never used it. I had to prove that I had dropped bankruptcy in order to pay my debt myself. You cant keep this on record as if I started a bankruptcy I never used and you cant do double jeopardy. As in, I cant prove to creditors Im not in bankruptcy and pay my debt. You get one way or the other. Please remove me from a bankruptcy. I am a special circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a Land 's End Visa card issued by Comenity Bank. On XX/XX/2023, I paid the balance in full. This was approximately two weeks before the due date. I had made all of my monthly payments on time. A few months I paid the balance in full. A few months I carried a balance. In XX/XX/2023, I received another statement indicating I owed {$21.00} in interest. The back of the statement states when the balance is paid in full, no additional interest will be incurred. I did so, but they still charged me interest. I have called Comenity and sent messages about this inaccurate interest charge, but they refuse to waive it. They state that I am paying the unbilled interest on the balance prior to the payment. 
When I paid the balance in full, the payment screen gave me four options : 1. amount due, 2. statement balance, 3. current balance, 4. other amount. There is no option for " pay off '' that shows the additional interest. The consumer is unaware they sill owe interest until they get another unexpected bill after they believe they've paid the balance in full. 
I now have to pay this falsely billed interest because I don't want my credit ruined. 
This is a deceptive, misleading and unfair practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I tried fixing this issue. This is a new inquiry that reported on my Credit Report without my consent XXXX XXXX XXXX XXXX XX/XX/2023. This need to be removed immediately. Under 15 USC 1681c-2 this need inquiry need to removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX I understand that failure to investigate these accounts within period of XXXX days will result in " non-verification '' which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j- requires that I received both written notification of the appropriate corrections and updated credit reports at no charge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PRESTIGE FINANCIAL SERVICES INC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 1 ), has violated several of my rights. 

15 U.S.C 1681 section 602. A. Clearly states that 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.

15 U.S.C 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: NY

Complaint narrative:
As of XXXX XXXX, XXXX has been reporting Unaccurate Unupdated Information from an Nelnet account by the department of education XXXX has have been continuing to report and identify on my credit report these late payments and debt accounts to XXXX. They have not stated that this debt has been sold to another company. In addition, they are also reporting an extreme and hindering late history. I have continuously disputed this matter only to receive more errors on my report. I spoke to the other credit bureaus and they have updated the information on the report. May some one please assist me in having this issue resolved. I want only factual information reported on my report. My account opened XXXX XXXX and was closed on XXXX XXXX. I do not owe them any debt or have outstanding late payments to this company Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Convergent Accounts # XXXX ( XXXX XXXX XXXX {$850.00}, XXXX XXXXXXXX {$800.00}, XXXX {$0.00}, XXXX {$700.00} 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 a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. I sent serval disputes to these companies and they yet to follow you guys rules and laws. I am ready to take legal actions if I don't get a fair and proper insvestagation or these fraudulent accounts be remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
: On XX/XX/XXXX, I mailed a letter to validate a collection that is being reported to the credit bureaus. 
The account was opened with Calvary on XX/XX/XXXX, showing a balance of {$5700.00}. Calvary Port failed to respond to my validation letter. The uploaded attachment is the letter that was mailed.

Cavalry is currently reporting a collection on my credit report, which I would like to resolve as soon as possible in order to rebuild my credit. 
I sent a debt validation letter to Cavalry on XX/XX/XXXX, which they received on XX/XX/XXXX. They responded within the XXXX window, but they did not include any actual validation or proof of the debt. Rather, they simply affirmed their position that I owe them money and let me know that this matter is currently with their lawyers. ( Considering that it would be illegal for Cavalry to sue me for this debt in New York, I am not sure why they felt the need to mention this. ) I would like for this debt to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received your response to my initial dispute to what I believe is a stall letter. I am who I say I am and I provided proof of identity with my first dispute letter. I'm resending my dispute along with clear proof that I am who I state I am. My XXXX has not been reporting and you need to updated this.

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