vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

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 2022-08-24 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
On XX/XX/2019 a report was made in the amount of {$1100.00}. Due to consumer reporting law 15 US 1681 ( a ) ( 3 ) this action has been deemed unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have my checking account with Truist Bank. 
My branch is in XXXX, FL. 
Routing number XXXX On XX/XX/22 I performed a mobile deposit of a check valued at {$560.00} and the balance was available the next day. That check was written by a credit union. On Saturday XX/XX/22 I performed a mobile deposit ( using the banks mobile app ) of a check from XXXX XXXX of XXXX, XXXX for {$2100.00}. I fully expected the funds to be available by Tuesday XX/XX/22. Instead, while my posted BALANCE showed that amount had been added, my AVAILABLE balance did not reflect it. When I contacted the bank, I was told that those funds would not be released until the morning of XX/XX/22 because, " There is a lot of check fraud in Florida '' and " We don't know if the bank will recall that check ''. 

I have never had ANY check held longer that 3 full business days. And after doing research online, I discovered dozens of similar complaints for personal and business accounts where large checks are being deposited and Truist Bank is taking up to 2 entire weeks to release those funds. This was a check from an automobile dealership that I had already waited 10 weeks for. 

I think this is either illegal or poorly considered. I can not be held personally responsible for account balances - either the check will clear or it won't but don't use pitiful excuses to defend a bad policy

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 2022-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lamont, Hanley & Associates, Inc.
State: WI

Complaint narrative:
I received short term XXXX payments when I had my XXXX  XXXX. After I returned to work a few more checks arrived. In speaking with XXXX, I was instructed to destroy the additional checks. XXXX has sent me to debt collection to recover funds from a check that I believe was destroyed. In working with my credit union I was unable to find any record of the check they claim I owe them for. 

The check prior to this i DO owe partially for as it covered the week that I returned to work. 

I have been unsuccessful in getting XXXX to provide me actual proof that this check was deposited yet continues letting their collection agency hound me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: DISCOVER BANK
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my Rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
The mortgage company BSI Financial had incorrect amounts for our taxes on our escrow reconciliation. They also failed to pay the taxes by the due date. We submitted all of the documentation for the correct amounts and they refused to process the correct amounts for tax payments. They are unresponsive and continuously give us the run around. We also asked to close the escrow account ( which we should be able to do legally because we made a down payment of over 20 % on our house ) and they refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to Bank of America close by to my house I have an account with them i went to withdraw from my husbands pay card XXXX XXXX so like mentioned before i withdrew from the atm at bank of america from the pay card {$1000.00} the atm spit {$190.00} XXXX bills of {$20.00} and XXXX bills of XXXX so the machine to find out was stocked up wrong i addressed it with bank of america i stayed at the atm for a while to call them this bank location has been closed for a year or more so i could not go in there i was instructed over the phone by bank of america to call XXXX ive called both bank to be honest i know i was not the only one because there was a group of people waiting outside a lady even went to the bank of america that was close to the one we were in because she got more money of what she asked machine was wrongfully set up wrong with the bills when i called bank of america and they told me we can not open the claim for you because i need to call XXXX mind i tell you the atm was still working giving people the wrong amount one lady too XXXX she got back XXXX ( XXXX XXXX bill and XXXX XXXX ) another got XXXX and received XXXX more i just want everything to be cleared i will be submitting a complaint for XXXX as well

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 2022-08-24 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-08-24 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-08-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: NY

Complaint narrative:
XXXX Bank has shown that they intentionally delay large withdrawals by claiming fraud review and freezing user accounts. They provide absolutely no time expectation for when the fraud department will address the issue, even after the user has provided all of the security information XXXX Bank requested in order to verify that the withdrawal was legitimate and not fraudulent. The customer service teams also prevent customers from being able to speak directly to the fraud department to resolve the issue more quickly. 

They clearly have no issue accepting large deposits into their high-yield savings account, but they suddenly claim suspected fraud as soon as a large withdrawal is attempted. It is ridiculous that a bank can freeze users ' funds and deny legitimate withdrawals, especially when customers chose a savings account to maintain liquidity for expected upcoming purchases. If I did not have other funds I could liquidate, I would not be able to make the necessary payments on a large upcoming capital improvement project on my home. 

They are either have malicious policies to act as a barrier to customers taking money off their books, or they are inadequately staffed to handle issues of fraud in a timely manner. Either way XXXX Bank severely damages customers financial situation and ability to make the payments and purchases they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I did the loan modification after the forbearance but after taking the first payment was informed I had been denied for the modification because I didnt sign papers that I never received. After speaking with them again and making another payment they sent a new modification that was going to increase my monthly payments and put a lein or 2nd mortgage on my home, after reading over the agreement that was mailed promptly I contacted them to let them know I wasnt comfortable signing the agreement. I reached out to my hud counselor to see if they could get a better outcome.

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 2022-08-24 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: OH

Complaint narrative:
From XX/XX/XXXX until the month of XXXX of XXXX I have submitted multiple requests to have information verified and each time nothing happens. Please examine my documents I have put together that shows the credit bureaus incapability to assist me in the matter. 

As of XX/XX/XXXX I have received response from XXXX and Experian. Both companies are 100 % certain the investigation they conducted was thorough and fair. Attached will be a letter thoroughly explaining what information is wrong and from what accounts.

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 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was notified by my mom that she had been getting emails about me opening a CapitalOne 360 checking account. It was under my maiden name, XXXX XXXX. I never opened an account, so I called them and they closed it immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I recently sent you a request to reinvestigate incorrect items which you reported to the credit agencies. You ignored my request. 

Federal law requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days and the items remain on my report : XXXX  XXXX XXXX I will assume that I have not received your reply because you have been unable to verify this information. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

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 2022-08-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I recently sent you a request to reinvestigate incorrect items which you reported to the credit agencies. You ignored my request. 

Federal law requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days and the items remain on my report : XXXX  XXXX XXXX I will assume that I have not received your reply because you have been unable to verify this information. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
From XX/XX/XXXX until the month of XXXX of XXXX I have submitted multiple requests to have information verified and each time nothing happens. Please examine my documents I have put together that shows the credit bureaus incapability to assist me in the matter. 

As of XX/XX/XXXX I have received response from XXXX and XXXX. Both companies are 100 % certain the investigation they conducted was thorough and fair. Attached will be a letter thoroughly explaining what information is wrong and from what accounts.

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 2022-08-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
From XX/XX/XXXX until the month of XXXX of XXXX I have submitted multiple requests to have information verified and each time nothing happens. Please examine my documents I have put together that shows the credit bureaus incapability to assist me in the matter. 

As of XX/XX/XXXX I have received response from Equifax and XXXX. Both companies are 100 % certain the investigation they conducted was thorough and fair. Attached will be a letter thoroughly explaining what information is wrong and from what accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX XXXX Account Number : XXXX XXXX : {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Company or Organization : capitol one Account Number : XXXX Date fraud began : XX/XX/2022 Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$2500.00} I did not make the purchase to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
The XXXX owns the all caps entity with the same name as me. I am XXXX XXXX, not XXXX XXXX. I am living entity of the all mighty and the all caps is a corpus entity. I rescind signature on a fraudulent contract with fortiva. All contracts in statute is written in malfeasance of office, surety is being claimed by the Actual creditor, the living man when it belongs to the dead, corpus entity solely. Forced or misleading information is grounds for immediate voidance of contract. You can't take my credit and offer it back as debit ( debt ) and charge me when it is my value that created the fed res debt notes. 

You are hereby challenged to present a true bill of XXXX and when you can't all must be eradicated. It is unlawful to sell debt as a non contractual party has NO standing in the said contract or the upholding of any actions written in it. Conditional acceptance for much more money is the next option and I will collect on the injuries and damages created by all corporations involved facilitating such non sense as acceptable, I mean every one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
this account is not mines is the result of identity theft.

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 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 90 days late in XXXX, 120 days in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX  Account # XXXX 60 days XX/XX/2018, and 90 days in XX/XX/2018.

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 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 90 days late in XXXX, 120 days in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX  XXXX Account Number : XXXX Bal : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX : {$8500.00} XXXX. XXXX SELF-REPORTED Account Number : XXXX Bal : {$100.00}

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