vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: ME

Complaint narrative:
I have been victimized by two fraudulent mobile deposits made to my Truist Bank Account. I have sent requests to Truist Bank for help and have received no response. They are showing a negative balance on my account of - {$8400.00} because of these two bogus checks deposited to my account followed by a Return Deposit Request. The Return Deposit Requests were placed on Administrative Hold, yet a negative balance appears on my account. I have tried to contact the bank 's XXXX XXXX and placed on hold 3 times for a minimum of three hours each time. I sent an Overnight Express Mail letter to the bank on XX/XX/XXXX which was received by the bank on XX/XX/XXXX. I have yet to receive a response or acknowledgement. In the letter, I gave the bank the information of the perpetrator of this fraudulent activity.. I am XXXX XXXX XXXX, and I need assistance in correcting this fraudulent activity. I opened the account at the request of the perpetrator and deposited XXXX XXXX deposits, XXXX for {$100.00} and another for {$1000.00}. The Truist bank account is in my name, XXXX XXXX XXXX, the last four digits of the account number are XXXX. I can provide you with complete information. The bank is charging me overdraft fees for these XXXX fraudulent deposits and subsequent Return Requests. I have photos of the XXXX fraudulent checks that I can send to you. One was from XXXX XXXX XXXX XXXX made out to me in the amount of {$4500.00}, and the other was from XXXX XXXX XXXX XXXX XXXX in the amount of {$4900.00}. Both of these check deposits were identified by the bank as Fictitious Items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Okay I Opened an Citi Bank Account and I Attempted to fund the Account with a Check but Was Told I Had to Wait 30 days Ok so after 30 Days I attempted to Cash a Check 60 minutes after I Cashed it They Closed my Account and then they aint even send me a notice of closure

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 2022-04-11 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: ME

Complaint narrative:
The debt does not belong to me. I called them back in XXXX and explained that this debt is fraudulent and does not belong to me. It was removed from my credit report, but it appeared again in XXXX of XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, Caliber and I signed a XXXX Payment Deferral Agreement. I have followed the agreement 100 % and make all the payments a required. 
Caliber keeps misplacing my payments and have asked for more money than the agreement requires, and still after 6 months, they have not brought my account current. 
I spoke to XXXX XXXX and open a case against Caliber.

I wanted to refinance my mortgage when rates were around 3.5 %, but was not possible, because my mortgage is still under collection and the requirement is that I have to have XXXX payments done on time. I have made XXXX payments on time plus at least an additional payment to cover a payment they could not find. 
My regular payment starting XX/XX/XXXX was {$2600.00}, but Caliber keeps changing the monthly payment. 
I can provide the payment history, so that you can see, it is all over the place. 
Thanks for the help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called Experian support numerous times and today XX/XX/2022 I was transferred about 3 times and nobody was able to help me.

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 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I have disputed the amount this company is trying to collect. I. Q. Data is reporting the same debt twice on my credit report with XXXX different amounts owed. I sent them a certified debt validation letter which they refused to investigate. If they can not satisfactory validate this debt, I demand they remove these collections from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Regarding Equifax. 

1. On Sunday, XX/XX/XXXX, I signed onto the Equifax website to remove a freeze on my account in preparation to apply for a mortgage with XXXX XXXX XXXX XXXX. 
2. According to the Equifax website, I successfully removed the freeze from my account. 
3. Today ( Monday, XX/XX/XXXX ) at approx. XXXX A.M. I received a message from XXXX XXXX XXXX XXXX indicating that they could not obtain my Equifax credit report due to a freeze on my account. 
4. I signed onto the Equifax website and the website indicated that that my account was " not frozen ''. 
5. I responded to XXXX XXXX XXXX XXXX indicating that my account was " not frozen ''. 
6. Today ( XXXX, XX/XX/XXXX ) at approx. XXXX P.M. I received another message from XXXX XXXX XXXX XXXX stating that they " had just phoned Equifax and Equifax stated that my account was still frozen and XXXX XXXX XXXX XXXX could not obtain an updated report ''. 
7. I again signed onto the Equifax website which stated that my account was " not frozen ''. I obtained a screen print which I then sent to XXXX XXXX XXXX XXXX. 
8. I then called Equifax and went through their " automatic phone system ''. The system is so unfriendly to the user. For example, the consumer can not answer a question until listening to the entirety of the recording. The choices offered to the consumer do not cover all conditions and so the consumer is forced to guess on what options to select. One of my question stated " for the above account ... '' I was on the phone so what account were they referencing? Clearly Equifax does not mind wasting the consumer 's time.

9. After being on hold for 40 minutes, I was finally connected to an agent who was clearly not a " native English speaker ''. The connection was so poor and I could hear all kinds of background noises. I am XXXX XXXX XXXX and while my hearing is normal there are plenty of people with XXXX  XXXX and who would not have been able to understand the agent due to his accent and the background noises. 
10. The agent stated that he removed the freeze from my account. Since I had removed the freeze from my account the previous day, how am I to trust his action?

11. The agent then stated there was a fraud alert on my account and that I am to be called when anyone accessed my account. I had not received any call from Equifax today nor had I received a call from Equifax in XX/XX/XXXX when a credit report was pulled. How am I to trust Equifax 's fraud alert? 
12. According to the Equifax agent, XXXX XXXX XXXX XXXX must now wait another XXXX hours to access my credit report. 
13. As a final insult, I waited on the phone for a survey to communicate my experience with Equifax. No survey was ever offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: LEXISNEXIS
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, LexisNexis has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account numbers has violated my rights XXXX- XXXX XXXX  XXXX XXXX XXXX- XXXX 15 usc 1681 section 602 ( a ) states I have the right to privacy 15 usc 1681 section 604 h section 2 It also states a consumer reporting agencies can not furnish my 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 2022-04-11 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account numbers has violated my rights XXXX- XXXX XXXX  XXXX XXXX XXXX- XXXX 15 usc 1681 section 602 ( a ) states I have the right to privacy 15 usc 1681 section 604 h section 2 It also states a consumer reporting agencies can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
As I checked my credit profile I noticed a company trying to collect a debt that I have no knowledge of I have never signed a contract with them electronically nor verbally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I paid off the balance on a closed account. The account was paid in full on XX/XX/XXXX. There was a fee added to the account on XX/XX/XXXX. I received NO NOTIFICATION at all about the fee. I had no idea the fee had been added. I received no statement alerts, no phone calls, and no paper notifications. In fact, prior to the payment in full, the account had been set up on auto-pay. Again, I received no notification the auto-pay had been removed. Without notification of the additional fee, I did not pay the XXXX fee, because I didn't know it existed. On Sunday, XX/XX/XXXX, I received an email alert from XXXX notifying me that the account had been changed to 30 days late. I was SHOCKED. This is the first notification of the balance that I had received. I immediately logged in and paid the account in full. I called Capital One to discuss the account. I was told that yes, in fact, the email communications show as FAILED on their end. In other words, they KNEW that their communication was not going through. The issue was on their side. I haven't even received notification that my payment made on XX/XX/XXXX was successfully received. I was told this was my fault and the credit reporting will stand. How can I pay a debt or disput a debt when I don't even know it exists? Capital One had my mailing address, phone number and correct email address. They never attempted to even collect this debt. NO COMMUNICATION FROM CAPITAL ONE AT ALL REGARDING THIS DEBT. I had no idea the debt existed on a CLOSED ACCOUNT that was PAID IN FULL according to the last statement I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Improper uses of my Credit files Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-04-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: CT

Complaint narrative:
Car was totaled on XX/XX/22 and my insurance company payed CarMax off but before they paid them off the insurance company gave CarMax a check that was to much cancelled the check in XXXX and wrote a new check in XXXX CarMax don't like the new amount which was what I pay for the vehicle in XXXX so CarMax got the money from my insurance company XXXX XXXX and still billed me for the money they wanted from the first check and I don't believe that is right now I owe CarMax XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11 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:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-11 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: AZ

Complaint narrative:
I refinanced a mortgage with my credit Union. XXXXXXXX XXXX paid of the previous lender XXXX XXXXXXXX XXXX. I contacted them and they said that the loan was paid off. 
The problem is when I pull up my credit report with XXXX it now shows I have XXXX mortgages XXXX with XXXX XXXX XXXX XXXX and the report still shows I have an active mortgage With my previous Lender. This shows I have XXXX active mortgages on my credit report. I have disputed this with XXXX and called XXXX XXXXXXXX XXXX letting them know of the problem. I was advised they would pass this information on to the department that will take care of this. I have called XXXX several times trying to get my credit report updated showing I only have one mortgage with my credit Union. As of today the XXXX of XXXX the wrong mortgage information is still on my credit report but it shows under a dispute but it's been under a dispute for over 30 days and every time I call experian they keep saying they have up to 30 days to correct the error. It's obvious I'm not getting any where to get my credit report updated. I hope filing a compliant with your department will get them to do what is necessary to correct my credit report since filing a compliant to your agency should let them know it's time direct a little more attention to getting this credit report corrected.

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 2022-04-11 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I refinanced a mortgage with my credit Union. XXXXXXXX XXXX paid of the previous lender XXXX XXXXXXXX XXXX. I contacted them and they said that the loan was paid off. 
The problem is when I pull up my credit report with XXXX it now shows I have XXXX mortgages XXXX with XXXX XXXX XXXX XXXX and the report still shows I have an active mortgage With my previous Lender. This shows I have XXXX active mortgages on my credit report. I have disputed this with XXXX and called XXXX XXXXXXXX XXXX letting them know of the problem. I was advised they would pass this information on to the department that will take care of this. I have called XXXX several times trying to get my credit report updated showing I only have XXXX mortgage with my credit Union. As of today the XXXX of XXXX the wrong mortgage information is still on my credit report but it shows under a dispute but it's been under a dispute for over 30 days and every time I call XXXX they keep saying they have up to 30 days to correct the error. It's obvious I'm not getting any where to get my credit report updated. I hope filing a compliant with your department will get them to do what is necessary to correct my credit report since filing a compliant to your agency should let them know it's time direct a little more attention to getting this credit report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I refinanced a mortgage with my credit Union. XXXX west paid of the previous lender XXXX XXXX Mortgage. I contacted them and they said that the loan was paid off. 
The problem is when I pull up my credit report with experian it now shows I have XXXX mortgages XXXX with XXXX XXXX XXXX XXXX and the report still shows I have an active mortgage With my previous Lender. This shows I have XXXX active mortgages on my credit report. I have disputed this with Experian and called XXXX XXXXXXXX XXXX letting them know of the problem. I was advised they would pass this information on to the department that will take care of this. I have called Experian several times trying to get my credit report updated showing I only have XXXX mortgage with my credit Union. As of today the XXXX of XXXX the wrong mortgage information is still on my credit report but it shows under a dispute but it's been under a dispute for over 30 days and every time I call experian they keep saying they have up to 30 days to correct the error. It's obvious I'm not getting any where to get my credit report updated. I hope filing a compliant with your department will get them to do what is necessary to correct my credit report since filing a compliant to your agency should let them know it's time direct a little more attention to getting this credit report corrected.

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