vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello and to whom this message XXXX concern, The credit bureaus ; XXXX, Experian, & XXXX stated my account was properly investigated but how is that possible if across my credit reports I still have inaccuracies : Personal Information - x XXXX inaccurate errors - Spelling of Name - Also Known As - Date of Birth - Current Address - Previous Address Debt Collection Agency XXXX XXXX CO XXXX x XXXX inaccurate errors - Account Type Detail - Monthly Payment - Balance - No. of Months ( terms ) - Past Due - Payment Status - Last Reported - Comments - Date Last Active - Date of Last Payment - XXXX Year Payment History ( XX/XX/XXXX - XX/XX/XXXX ) This is grounds for liability and/or removal. 

I wanted to reach out and get support for a remedy. These actions have stifled my ability to purchase a home and created multiple instances of inaccurate and defamatory account reporting against me. Every month from XX/XX/XXXX up to the present, I have been contacted by this debt collector and none of the bureaus supported my equitable action as required by law and use of diplomatic request to remove the inaccurate information being reported on my credit report. 

XXXX has been aware of this dispute regarding the accuracy of this information since XX/XX/XXXX at XXXX PM with XXXX tracking # XXXX. 

Experian received the notice of personal information update from me on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

XXXX received the notice of personal information update on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

I have not received any information back from the agency or any of the bureaus regarding this. In the included PDF is evidence that I had made the effort to resolve this issue on my credit report without undue stress or drama but this XXXX XXXX CO or the credit bureaus have yet to follow the law! I'm reaching out to you for help because I understand that you can assist me in this matter.

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 2022-07-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights, 15 USC 1681 section 602 A states I have the right to privacy and it also states a Consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXXXX/XX/XXXX, Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights, 15 USC 1681 section 602 A states I have the right to privacy and it also states a Consumer reporting agency can not furnish an 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 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I have been receiving text messages from those who claim to be from Citizens bank. All three messages Ive received thus far have been from 3 different phone numbers. Each message reads : [ Citizens Bank Alert ] : Unknown activity detected on your account. 
Secure your account here immediately XXXX XXXX XXXX XXXXXXXX I did not enter into this link because I believe it to be a scam made to hack my phone and to find my actual banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
My Comenity Visa has been declined consistently over the past few days despite the account being in good standing. There may have been a charge the company flagged as " fraudulent, '' although it was not, but I have been unable to contact them via phone or their website to resolve this issue. My understanding is that I am far from the only one experiencing this problem with the company. Very frustrating, as several other accounts that depend on this card are failing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: AL

Complaint narrative:
On XX/XX/22 Discover Bank froze all my accounts ; I was told that this was because there was suspicious activity on the account. I spent a total of 4 hours waiting on hold before I was able to get through to their Security team.

I spoke with a Security team member and attempted to resolve the issue, but instead of unfreezing my account, I was unexpectedly told that as a " business decision '' all my accounts were being closed and that I would receive a check for any remaining funds in 60 to 90 days. I was given no specifics as to why my accounts were being closed. I do not understand how this escalated from my account being frozen to my account being closed. 

Because they closed all my accounts ( checking and savings ), I have lost access to funds I need to pay my bills for at least the next 2 months. As their actions coincided with the first of the month, I wasn't able to pay my rent on time and I will be forced to pay almost XXXX dollars in late fees and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
My husband and I have been leasing a Honda XXXX for over two years now with Honda. However, they have not been reporting our lease payments on our auto loan to credit bureaus. I have called Honda Financial 5 times since XX/XX/XXXX in which they advised me that they have fixed issue and will report all payments to credit bureaus for my husband and I as this has happened to multiple of there clients. They also advised that they were aware of issue but only report if customer requests. However the issue still has not been fixed. Due to this my husband and my credit report is inaccurate as it shows we never had an auto loan when in fact we do. I attempted 3 times to speak to or get a call back from manager. However I never received one. All the representatives state is that the issue has been fixed when its not. This is affecting my husband and I tremendously as our credit scores are inaccurate. I have only been late on XXXX payment out of XXXX so far. All our payments are on time. I find it ridiculous that they still have not fixed issue but expect payments to be on time. They call me if Im a day late with payment but cant seem to fix issue of making sure it reports to credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Approximately a month ago I accepted an offer for a free trial of Experian XXXX XXXX from the Experian credit bureau. At the conclusion of the free trial I decided not to continue the service. Now, whenever I sign on to the Experian credit bureau 's website to access their free and legally mandated services and to review my credit report, it has me locked out of my account and demands payment for their subscription service. It offers no ability to contact anyone order confirm cancellation of the service and it has me completely locked out of my account and refuses to allow me to create another account with which to access my free credit report.

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 2022-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
- First, please refer to Case Number : XXXX for further information of the case. In other words, due to my XXXX & XXXX episodes, my wife, XXXX XXXX, did act on my behalf. 
- Second, WellsFargo via both CFPB & U. S. Postal Mail sent my wife a Response Letter ( see the attached ) in which it asked me, the direct victim, to contact XXXX XXXX directly. 
- Third, I personally contacted XXXX XXXX directly three ( 3 ) times, but she did not respond or even returned my call. The details of the three direct calls as follows : * Attempt 1 on XX/XX/2022 at XXXX via XXXX with Representative XXXX in which I was told XXXX XXXX would give me a call back to my cell phone ( XXXX ) as my matter was high up and extremely confidential. Unfortunately, it was a liar. 

* Attempt 2 on XX/XX/2022 at XXXX via XXXX with Representative XXXX XXXX XXXX said due to the matter is in the Executive Office, she could not know the solution and could not contact XXXX XXXX after XXXX minutes attempt to connect with her. XXXX then suggested me to call XXXX. I did and got connect with Representative XXXX. Again, XXXX said she did not have access to the case so she could not reveal the resolution. XXXX then asked me to wait so she could contact XXXX XXXX directly, but the attempt was unsuccessful while I was waiting on the phone. XXXX recorded the notes and the conversation and told me XXXX XXXX would give me a call back on XX/XX/2022 from XXXX onward. I waited for the return call from XXXX XXXX, but again, it was a liar. 

* Attempt 3 on XX/XX/2022 at XXXX via XXXX with Representative XXXX. XXXX did what XXXX, XXXX, and XXXX did : taking notes, recording the conversation, and connecting with XXXX XXXX as the latter was the handler of this case. After 45 minutes of waiting, I did hang up the call as I was too exhausted. 

Please tell me who did show the goodwill and patience to want the issue gets solved? Obviously, not WellsFargo as they have deliberately tried to withhold the information to cover up for their discrimination act against am XXXX & XXXX era of permanently and totally ( XXXX XXXX XXXX ) XXXX XXXX XXXX veteran and also a minority. 

What can I still do?

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 2022-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2022, I order on line some impressions mold with XXXX XXXX I use affirm to make partial payments every months. Right after I received from XXXX XXXX my first mold impressions kit, I followed all the instructions and send them back Like they instructed. After that I received an email from XXXX XXXX saying that the teeth impressions mold were not good that they going to send me an other impressions kit. So, they did .... and I followed the instructions and send them back. I received an other email that I need it to re - take my teeth impressions again. This time I when to a dentist for assistance, they help me with my teeth impressions mold and I send them back thinking this is it. '' I finally are going to get my teeth ''. For my surprise they send me an email saying that the teeth impressions was not good. I immediately send them a email asking them for the reason, they never answered my email. I decided to cancel my order and since them, they still haven't refunded me my $ XXXX and they still charging my bank account for the monthly payment. I contacted affirm and they told me that they can not help me. Because is over the 60 days, I explained to them that I was dealing with XXXX XXXX  and they never returned my emails or phone calls, How I am going to continue paying for a product I never received. That's not fair for me as a customer. XXXX XXXX says that I need it to fill out a cancelation form, I filled out that cancelation form millions of time, even today I fill out an other one and they haven't refunded my money or neither closing the account. I don't know what else to do. And the good part is that every time I fill out the cancellation form they send me an email acknowledging the cancelation request. 
I feel like they are robbing me, and if I stop paying i will end up in the credit report. This has been a nightmare help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have home Mortgage with Truist bank. I never have any missed payments and have automatic draft payment for my monthly payment directly from my bank account. On XX/XX/2022, because I had excess of {$7400.00} in my escrow account - Truist sent the check but it was sent to wrong address. In XXXX, I called Truist on their customer help like ( only way you can talk to someone ). After taking to the agent for 1 hour, agent initially declined to resend escrow check back and then at the end after talking to supervisor, agreed to resent to correct address. On XX/XX/XXXX, Truist bank, instead of sending check for additional escrow, debited {$7400.00} additional money towards principle without my approval. I am tired of reaching out to front like telephone operators from Truist who never understand the issue and incorrectly auto drafting money from my bank account. I am tired of Truist bank - will never bank with them again with such type of customer service.

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 2022-07-02 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.

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 2022-07-02 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.

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 2022-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Recently my Binance.US account got locked due to security concern. I raised a request to get my account unlocked and received a request to submit some documents/info so that it can be unlocked I promptly submitted required documentation and after i had to do couple of follow ups to hear back. At this point ( after a week ), they requested me to submit some documents again. 

Now after submitting all info again, i was told it has been sent for review. It is been more than 2 weeks now and all i hear from customer service team is that back office is working on it with no timeline to when my account will be unlocked. 

I have an urgent need to get access to funds and i am stuck causing a lot of stress Any help is appreciated

Company response to consumer: Closed with explanation