vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
My complaint is with TD bank and misleading advertising regarding opening a savings account of a minimum {$10000.00} deposit leaving a balance of {$10000.00} for at least 90 days, after which I would be entitled to the {$200.00} bonus. I opened the account on XX/XX/2022 at the TD bank located at XXXX XXXX XXXX, XXXX, Connecticut. In XXXX, I called TD Bank and asked why I did not see the {$200.00} bonus in my account. I was told that it could take up to 180 days for the bonus to be posted to my account. I asked why it should take so long and XXXX XXXX XXXX  said that TD wanted to be sure people didnt open the XXXX Account XXXX and close the account after 90 days. I told them this was misleading advertising and TD Bank should state money should be left for 180 days, not 90 days in order to receive this {$200.00} promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was a victim of a scam applying for a job ( Data entry ) XXXX XXXX wich is a company from XXXX, they sent me a check for {$4900.00} dollars, They send me this check for computer, printer and materials for the job, which I deposited in my Bank of America checking account on XX/XX/2022, the scammers told me that the check could be cashed in XXXX hours and indeed Bank of America gave me all the money from the check, the scammers asked me to withdraw the money to buy the computer, printer and all the materials and that they were going to tell me where, then they changed their mind and told me that the company with which they bought the computer and equipment received only bitcoins and they made me buy bitcoins at an ATM, I was able to buy {$2900.00} before someone told me it was a scam, I went to Bank of America and they said yes, what it was a scam, so they told me to deposit the remaining {$1700.00} into my checking account so I wouldn't lose all the money. On Monday, XX/XX/XXXX, the check was bound and my checking account was negative ( - {$2.00} ), I called Bank of America and they told me that if I did not pay they would close my account, they offered me to transfer the debt that I have with them to a credit card and that's what I did. My question is : how does the bank allow its customers to cash checks the next day without verifying if they are good checks? And if Bank of America knows that this is a type of scam, how do they allow their clients to fall for them without warning them? In my opinion, Bank of America has responsibility for this type of scam but they do not accept it and allow it to happen! I don't want this situation happen to another person. I already reported this situation to the police. Report # 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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with late payments removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: MO

Complaint narrative:
I have a credit report about atnt they're trying to collect funds from a phone that I once had I would like to use my rights of rescission 15 USC 1635 also they're in violation of the truth and lending as I put a Downpayment on this phone and they're trying to collect funds from me I would like to receive the property and collect the money using 15 USC 1635 they're also in violation of 15 USC 1662 as I put a down payment and money for installments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
ATTENTION : LATE PAYMENT In accordance with the Fair Credit Reporting Act Capital One # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. ( Which means my information will remain private unless I give Self Lender written instructions to make my information public ).

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. ( I request this account to not be reported on my credit report ).

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 ( According to the Consumer report there are no such thing as late payments ).

15 USC 1681 ( a ) ( i ) 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

This late payment is affecting my approval of a car and a house needed to support my family and is causing emotional and psychological and financial stress upon me and my family. Account is now closed and is paid in full. Late payments are inaccurate. 
Remove the late payment or deleted the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
Last I tried to fix the problem, I was told someone had used My social security number to open and close a trust fund. Now banks will not work with Me. My identity is constantly stolen and data taken from places that got breached. XXXX XXXX most recently. I am going to be getting lifelock here this month and have tried several times to work with reporting Identity theft always ending in them not helping me and treating me like I am the one creating the issue. I need help. I just want to fix this issue so I can have the ability to bank again.

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 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my account and hasnt credited my accounts or returned to me 4 negotiable instruments I deposited the instrument were postal money orders deposit on the 6 and 9 2 on each day two were made to the order of the United States TREASURY and two were made out to me the amounts of the instruments were {$200000.00}, {$200000.00} deposited on XXXXand {$900000.00}, {$900000.00} deposited on the XX/XX/2023 I have a medillion stamp guarantee, and affidavit that all accounts are prepaid a power of attorney fsform XXXX one given myself power of attorney and one granting Bank of America poa to convert checks made out to the us treasury on my behalf . I have not been credited those amounts nor have they returned the instrument to me instead they closed my account with outstanding checks still out theres, which is causing me to potentially be charged with fraud. Its is illegal to write checks from closed accounts I write those outstanding checks when my account was open but they closed my account with no warning. Now those checks are going to bounce Bank of America stole my instrument I have them all documented and I took pictures of them and have them in my ledger with serial number date deposited all that they were correctly executed instruments but because I made them bearer boa thinks they can snatch them up with no consequences, I think I should file a police report on them for theft. When I call them I get the run around and going in to the bank is like telling the cashier at XXXX you want to buy a franchise if you get my analogy. I need help I have everything in order for me to sell transfer negotiate instruments/securities but boa XXXX respect the law when it comes to my case they want to say I committed fraud no they committed 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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My car loan from XXXX XXXX  was reported under XXXX XXXX XXXX and was reported as a charge off instead of being paid off I have contacted both parties ( XXXX XXXX  and Transunion credit bureau ) of the error on the report. Also XXXX said they would send me a letter stating the car was paid off. This mistake on my credit report has caused me to be denied a car loan The finance companies do not want to finance some one who does not pay off their car loan Have complaint # XXXX XXXX from telephone call in

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 2023-01-19 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: NJ

Complaint narrative:
I disputed a late payment for XXXX XXXX acct # XXXX datedXXXX with Experian on XX/XX/2023. The item was not deleted. They are reporting unlawful negative information on my credit report. I also I was not given the option to opt out of such reporting. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party

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 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In XXXX  I was depositing payroll checks {$500.00} a week and wells Fargo was taking it all where I had a {$0.00} balance immediately after my deposits and seen where something saying I was XXXX enrolled and I went up to the offices of wells Fargo on XXXX XXXX and XXXX XXXX XXXX asking them to see how that's happening because I was going to loose my place to live them taking all of my money for months. They proceeded to tell me at XXXX years old I had no choice but to claim bankruptcy knowing they could have stopped those fees and whatever else was taking all my money.

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 2023-01-19 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: FL

Complaint narrative:
XXXX did not investigate issue properly. I received notice that your company received feedback from XXXX. However, the feedback was false. The account was verified quickly and I did not have my allotted time to reply before it was quickly closed. I also received a letter from XXXX dated XX/XX/22 requesting my personal information. This is to send to XXXX to add in their database. XXXX can not furnish me with account information and I'm in good standing with XXXX. The letter received after the Holidays requesting information was sent after stating investigation complete. This account is bogus. The dates and status has been changed more than XXXX. It first showed XXXX and now showing XXXX also which was added later. My rights has been compromised several times. I can not dispute online with XXXX. They've since change account so I can create XXXX, however, keep getting error invalid password or username after updating both several times!!!

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 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL, INC.
State: OH

Complaint narrative:
XXXX tried to argue and say I owe this business debt from XXXX. I lost my business back in XXXX, due to a death on the job. Lost everything. Definitely dont owe this debt.

Company response to consumer: Closed with explanation