vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I deposited my paycheck today ( XX/XX/23 ) on my bank 's mobile app. The first time I tried to deposit it, the bank informed me there was an extended hold on my deposit in effect until Thursday ( XX/XX/23 ). I then cancelled my deposit on the app, and the app asked me very clearly, with the very particular verbiage : " Are you sure you want to cancel the deposit? '' I then selected the option for yes and tried again. The same thing happened, an extended hold on the paycheck until Thursday XX/XX/XXXX ( XX/XX/23 ). I spoke with the bank via customer service and was first informed that " the check was deposited multiple times '', which was clearly not the case. The Bank informed me that their system was trying to catch up to the mobile banking app, which is very clearly on the Bank, and not me the consumer. I explained that situation and reasoning with the Bank and I was then informed, " there was reasonable cause to believe the funds are uncollectible from the paying bank. '' I have deposited several paychecks from this job previously, so I'm not sure why this instance was an issue. In my entire time banking with Bank of America, I have only overdrawn my account one time to my knowledge, therefore removing that cause for the hold from the Bank. Like most Americans, I live paycheck to paycheck with very little, if any, savings to cushion me. I have bills that are coming due, and I need to pay them, but I can't pay them when I have {$150.00} in my bank account to last me until the XX/XX/23. At this point, Bank of America will have to reimburse me for any late fees or overdraft fees that are accrued due to them effectively picking and choosing when they apply a hold on paycheck being deposited. Also, under federal reserve guidelines, the first {$220.00} of the paycheck must be made available to me by the next business day, and Bank of America has never once followed this practice. At this point in time, I am heavily considering hiring legal counsel to see what, if any, recourse is available to me to ensure that this does not happen in the future.

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 2023-10-20 00:00:00
Product: Credit reporting 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: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Please rectify this matter IMMEDIATELY!

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Someone used my information to try an open accounts in my name these accounts listed I didnt apply for.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My personal information was used to try and get loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting 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: DC

Complaint narrative:
Good afternoon, I have sent documents in the months of XXXX, XXXX, and XXXX requesting updated information concerning my consumer credit. I feel like I have been damaged mentally and emotionally behind the negative reports that have been reported about me. I have constantly been trying to clear up the negative review of the reporting that has taken a big toll on my life. There has been damage to my credit and incorrect reporting. I have not had anyone to get back to me, about how to repair it or what will need to be done. I really need some help and/or some answers as to how to correct this or if it can be corrected. " I WANT MY LIFE BACK '' I need and desire to have EXCELLENT reporting about me. At this point I am looking to seek legal action.

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 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had {$2000.00} removed from my bank account. I called Wells Fargo when I noticed and they told me the transactions never went through and that it was pending but it would be back in my account. They filed a claim for me and said I would be called back but they never called me. They closed my account and opened up a new account for me but never sent me my new debit card. I called them again 3 more times and they said they closed my claim for reasons Im unaware of. I wasnt even aware they closed my claim because they emailed me XX/XX/2023 telling me they were still processing the claim, but when I called they said they closed it on XX/XX/2023. They said they sent me a letter but never did, I requested documentation and still havent received it. Im a college student with credit card payments to pay as well as rent. I would never authorize {$2000.00} being pulled out of my account. You could clearly tell on my statement that the charges werent from me and the workers noticed that as well. I wasnt even aware that much money could be pulled out of my account in one day because I had alerts on my account that would notify me if {$500.00} was even pulled. Never once did I receive an alert and I was told that theyd be able to issue me a credit for the money that was pulled but I never received one. I would like my {$2000.00} back and I would like to switch over to another bank.

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 2023-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XX/XX/XXXX- Freedom contacted me to streamline and sign up with them. They kept in close contact frequently until I started to have issues with my payment. 

XX/XX/XXXX I was approved for a XXXX XXXXXXXX XXXX XXXX. 1st payment was XX/XX/XXXX. I paid each month until XX/XX/XXXX, I started to get behind due to financial difficulties. 

XX/XX/XXXX - XXXX contacted Freedom to explain the hardships I was experiencing. Per their website, I applied for a hardship. I checked the status almost every day. 

XX/XX/XXXX member portal on Freedom 's website showed, new loan was in progress. 

XX/XX/XXXX- I was locked out of my account online XX/XX/XXXX - member portal showed " your account is in active foreclosure ''. feeling scared I sent a partial payment. I contacted the VA loan technician. I stayed in constant communication with them. I also at this time assigned my sister as authorized representative to assist me. This stress was starting to aggravate several of my XXXX XXXX. 

XX/XX/XXXX - I resubmitted a hardship loan application. I continued to experience periods of not being able to access my account online. 

XX/XX/XXXX - I tried to resume payments since I was able to. Freedom rejected the payment. 

XX/XX/XXXX- the link for the hardship application was showing to " upload bank statement and proof of income ''. I started to prepare those documents, then when I logged on to upload, I was again locked out. 

XX/XX/XXXX- XX/XX/XXXX - I got inconsistent messages from Freedom to include being referred to a single point of contact who never contacted me. Voicemails went unanswered. I started receiving mail from lawyer offices and realtors asking to utilize them to sell my home. A few realtors stopped by to take pictures asking my family what I wanted to sell my house for. the letters have not stopped. 

XX/XX/XXXX - feeling even more scared, I tried to send a full mortgage payment, this was again rejected. The VA notified me the foreclosure was halted until XX/XX/XXXX. I received some letters, others went 'undelivered ' per Freedom stating my previous mailing address in XXXX was causing their letters to be returned. 

XX/XX/XXXX- I was able to log on and saw that same " upload documents link with XX/XX/XXXX date. I tried again the next day and the site read " Oops it's not you, it's. '' I sent the VA all the documents I am submitting to you for this complaint. The VA is under the impression that I only made 1 payment after the modification. They and the post office verified that my mail was no longer being forwarded to my old mailing address. 

XX/XX/XXXX - the VA notified me that Freedom mortgage mishandled my VA XXXX Refund Modification that they granted to me in XX/XX/XXXX. It was not properly administered ; there were significant missing qualifications lacking.

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 2023-10-20 00:00:00
Product: Credit reporting 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 have been a victim of identity theft. I noticed accounts opened on my behalf when I opened my credit report. 
Fraud Account needing attention : 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 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 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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been a victim of identity theft. I noticed accounts opened on my behalf when I opened my credit report. 
Fraud Account needing attention : -XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX CPS XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been a victim of identity theft. I noticed accounts opened on my behalf when I opened my credit report. 
Fraud Account needing attention : -XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX  XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/2023 Experian CPS XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 Experian XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2023 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 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Starting on XX/XX/XXXX of this year I began communicating with someone that I thought I knew and trust. He told me about an investment, that was only going to require {$800.00}. so I went along with it. Then " fees '' started to add up to close to {$1400.00}, which totals about {$2200.00} to start. Then I realized he was fishing for information, and he was successful. He got into my bank account and starting depositing checks and instructing where to move it to. Then my bank flagged the account and froze it because they tried to deposit a {$16000.00} check. Then he disappeared and the checks ended up being bad and were sent back, leaving a XXXX in my account. So now we come to a total close to {$5000.00}, and I tried to see if my bank could help me. I've been banking with the same bank ( USAA ) for the last 14 years, with no type of situation like this before, but they are refusing to help me. They said they cover fraud but because I moved around the money, under false pretenses, so they don't consider it fraud. I know it's not fraud technically, but I was scammed! I am the victim!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I canceled card and requested just the balance owed so I could make payments to pay it. My original balance was XXXX but they keep sending Bill 's with more interest and emails. It is up XXXX now. I am a very low income XXXX who lost my job do to a XXXX. Need help with this please. These letters and emails are causing me too much stress and making me ill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Urgent Action Required : Fraudulent Charges on XXXX  XXXX XXXX Account Due to Identity Theft I am writing to address a serious concern regarding fraudulent activities on my XXXX  XXXX XXXX account ending in XXXX. My identity was compromised, making me vulnerable to fraudulent charges that total an alarming {$18000.00} on the said account. 

The inclusion of this unauthorized account on my credit report has wreaked havoc on my credit score, causing undue stress and financial strain. While I am the victim of identity theft and fraud, I find myself facing the severe repercussions of these illicit actions. 

Despite my persistent efforts to rectify this situation, and successfully having other fraudulent accounts removed, this particular account remains a blemish on my credit report. This ongoing oversight continues to erode my creditworthiness, unfairly penalizing me for actions I did not commit. 

I implore you to conduct an expedited review of this matter and ensure the removal of this fraudulent account from my financial records. It is crucial that my credit report is an accurate reflection of my true financial behavior. 

Thank you for your immediate attention to this pressing issue. I trust in your commitment to fairness and anticipate a swift resolution. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The XXXX and Transunion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : 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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2021 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 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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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