vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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: PA

Complaint narrative:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX/ $ XXXX XX/XX/XXXX XXXX  SELF REPORTED XXXX $ XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XX/XX/XXXX XXXX  XXXX XXXX $ XXXX XXXX XXXX  XXXX $ XXXX XX/XX/XXXX XXXX XXXX- XXXX $ XXXX XXXX XXXX XXXXXXXX $ XXXX XX/XX/XXXX XXXX XXXX  XXXX $ XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX we applied online at Truist.com for a business line of credit for our company XXXX XXXX XXXX XXXX. Upon completion of the application credit was immediately denied. To date we have received no communication from Truist regarding the reason ( s ) for the request being declined. I sent an email the same day to my local branch manager in XXXX XXXX, SC, XXXX XXXX, to request assistance with this issue and several others but never received a response. A friend who works for Truist forwarded my email thread outlining a number of issues including this one to two merger leaders. On XX/XX/XXXX I received a voice mail from XXXX XXXX who indicated that he was assigned to my case with ( # XXXX ). I called and left messages on XX/XX/XXXX, XXXX and XX/XX/XXXX and have received no call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX, I rented a room at XXXX XXXX XXXX, XXXX IL XXXX from XXXX XXXX. 
I paid her a deposit of {$600.00}, and she opened a savings account in my name at Chase Bank, Account # XXXX. 
In XXXX, I moved, and XXXX XXXX gave me a check for my deposit in full, but she forgot to close the savings account. I continued to receive mail from the bank about the account. I tried to close the account and get her money so I could give it back, but the bank refused to give me the money or close the account. 
XXXX XXXX sent me a letter telling me that she did close the account, after I informed her of this situation. 
After that I continued to receive mail from the bank telling me that the account was still open. I attempted, several times to close the account, but the bank refuses to close the account, or provide me with a letter stating that the account is closed. 
Their final answer is that they refuse to close the account or provide me with a letter stating that the account is closed. 
I do not pretend to know what corrupt purpose is served by maintaining an account with my name on it which I can not access or close. 
Perhaps the bank needs to be fined in order to get the attention of the person who can provide written proof to me that the account is closed. Otherwise they refuse, and it does not seem like it could be legal to maintain an account in my name against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing 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 non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: MN

Complaint narrative:
On Thursday XX/XX/2022 I XXXX XXXX tried contacting SoFi as soon as I saw my account was froze and I was notified to contact fraud prevention. Since then I would call multiple times a day as well as today XX/XX/2022. There is no other way to contact them and they do not call back. Now my checking account which I have the last four numbers to is completely gone and XXXX cant see or access my paycheck from work. This is infuriating. I want this resolved so I can get paid or have it returned to my company so they can pay me differently. 

I know the account was froze due to the deposits that didnt go through I was moving money around from account and made a mistake as the ones I tried moving were already in other accounts and thats why it was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: PA

Complaint narrative:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX/ $ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2022-04-18 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:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX/ $ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2022-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: TX

Complaint narrative:
This debt collection agency has been contacting me since XXXX with mail being sent to my house and calls every single week since. In XXXX i paid them for the collection i owed on the medical debt. Then in XXXX they added another charge, then in XXXX they added another charge with amounts higher then what i actually owed the hospital ( {$200.00} ). As of right now they have added two accounts of medical debt to my credit report and i think they are about to add a third. They have harassed me non stop and keep on adding debt. I received another call today where I told them to stop harassing me and said its against the law and the lady on the phone said no its not. I just want this debt cleared and off of my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUHOME SOLUTIONS, LLC
State: OK

Complaint narrative:
Hello- I am trying to catch up on my mortgage payments. TruHome Solutions are refusing to let me pay my XXXX XXXX. I told them that I could make that payment today and make the XXXX payment once I talked to my insurance company about the increase in my escrow account. 

They told me they would only take a payment if it was 2 payments even if that meant me falling behind even more. I asked several time over the phone to please let me make a payment and he refused. I started recording the conversation after we got into an argument over him refusing to let me make my XXXX payment. Allowing me to make this payment will bring me more current. I will make the XXXX payment this week once I speak to the insurance company. Making these payments will prevent me from going into foreclosure. 

I expressed all of this to XXXX XXXX and I have a recording of the end of the conversation with him refusing to let me make the payment. The recording is being attached to this email. 

Here is the contact information below : XXXX XXXX Loss Mitigation XXXX XXXX TruHome Solutions , LLC XXXX : XXXX XXXX XXXX  XXXX : XXXXXXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I got a letter from Bank of America, closing my personal checking account for no reason. 
FYI, I have a high score on the credit with them, I pay my balance on time, I did not get any penalty or XXXX points, I did not have any fees late for any payment Thanks

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 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
This is a phone bill racked up by my ex wife using my name on a XXXX account, I do not or have not had a XXXX account in many years and especially not in the time frame of this bill, I have disputed and won against this same debt before. The debt was proven in divorce court to be the responsibility of my ex wife and should not reflect on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and 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 2022-04-18 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX payments were never received into my designated Bank of America account. I received Bank of America confirmation text messages which I then had to acknowledge on my Bank of America app to receive the transfers from my business customers into my account, which I did. These transfers occurred between XX/XX/XXXX and XX/XX/XXXX. The Bank of America account was closed XX/XX/XXXX and I received a printed transaction history from XXXX thru XXXX at that time. Unfortunately I did not do a reconciliation. In preparing my taxes recently it was discovered by my bookkeeper the XXXX payments were missing and none were ever received into my account. This was verified by the Bank of America branch manager today, XX/XX/XXXX that no XXXX payments ever were received or deposited into my account. She referred me to XXXX directly as did the Bank of America phone customer service representative. XXXX keeps referring me back to Bank of America - No one is able to resolve why my XXXX payments were never received. I need to know where these payment transfers went and why I never received them.

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 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
I wired money to a charles schwabb account, total of XXXX. The company ( XXXX ) I was to wire the funds to i learned to be a fake a few days later. When the company ( XXXX ) did not return my call i tried multiple times to speak with someone at charles schwabb to notify them about the scam. I was told there is nothing that can be done, they would not even make a note of my phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Paypal Closed my account on XX/XX/2022 and will not help me in getting it back open. I'm not sure if this is some kind of mistake as it has to be. I am verified with paypal and have used it for over 5 years with no problems. I called and spoke to customer service to see what the issue is but they say they cant tell me the reason and cant help me but i remembered i can make a report here as i feel they are not doing their job properly and it has affected me a great deal since i cant access my funds. my details linked to my paypal account are : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
My case number is XXXX. XX/XX/22 a person with a fake ID went into US bank in XXXX XXXX, IA XXXX XXXX XXXX XXXX and cashed a check for {$2300.00} then two days later that same person cashed a check for {$4000.00}. My wife noticed that my savings account was negative {$270.00}. I contacted fraud department as soon as my wife told me. The person I contacted told me that someone had access to my savings account and cleaned out my account. We immediately closed my account and opened another. I told the person that my family had a trip to Texas planned in XXXX and I was remodeling my bathroom that was what that money was for. He told me not to worry They will put the money back in my account. He told me it would take around two weeks. He also told me that this is happening to his bank a lot right now and not to worry about it. Two weeks came and went and no Money. I called back and the person I contacted told me I had to file a police report. I called the XXXX Police and told them my identity and savings account info was being use. Two more weeks went by and no money. I called the XXXX police department and they told me that US bank would not work with them. I had to file the report with the police from XXXX XXXX IA. I contacted the police in IA. The police officer took my info and started a new case. I contacted US bank and they gave me a web site to send my info to get my money back. XXXX. I tried to access the web site to finally get my money back. This site leads me to an unrelated site that is not helping me. I had to put my entire vacation and bathroom remodel on my credit card and put me over my limit. I'm a union carpenter this drain in my account forced me to take a job out of my area. I had to drive over a XXXX miles a day so I would be able to pay my bills. This has cost me a lot more then {$6300.00} dollars. I think I should be compensated for the strain this has put on me and my family. The sad part is that the thief never had my account info they simply used a fake ID to cash two checks in my name and the bank simply took the money out of my savings to correct their mistake. The very nice police office that has been helping me with my case is 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 2022-04-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello, I have contacted Equifax every month since XX/XX/2022, with the most recent XX/XX/2022. I was added to XXXX credit card which has reported to my credit report. However, the score has not been updated to reflect the authorized user account that was added to the account. I was told in XXXX there was an issue with the algothrim and they would have to go into my account to manually correct this. This has not been corrected and it appears Equifax is intentionally refusing to update the credit score to reflect the authorize user. In addition, I have this note on my credit report that : Fraud Victim ( associated with trade ) Report Blocked for Promotional Purposes This was supposed to be removed and it has not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Vital Solutions, Inc.
State: NJ

Complaint narrative:
The debt in question was with XXXX. The dealership where we leased did agree to absorb the debt in lieu of leasing a new vehicle with the same company. We have explained this to the agency that is attempting to collect this debt and requested that they contact the dealership directly. They refused. They refuse to hear anything we are saying. It is not my job to make sure that the proper agency received the proper paperwork from a different agency altogether. I signed a contract with XXXX of XXXX and they agreed to handle this. They did not.

Company response to consumer: Closed with explanation