vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I observed charges of {$1.00} per transaction on my bank account, notably on XX/XX/21 and XXXX, along with other occurrences throughout this month. These deductions, totaling {$1.00} for each transaction, have raised concerns about the consistency and frequency of these fees. I would appreciate a detailed breakdown of these charges, seeking clarification on the nature of transactions triggering this fee. Understanding the specifics will aid in managing my finances more effectively and addressing any potential discrepancies. Your prompt attention to this matter is crucial for resolving and preventing further complications with my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I received a letter stating my name from the dept collection agency that I need to pay {$7000.00}. Which is I never open this account. 

Original Creditor : XXXX XXXX XXXX  Current Owner : LVNV funding LLC Reference no : XXXX Balance : {$7000.00} Thanks Again XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
CRAs took way over the 30-45 allotted time to get back to me with their verification process on how they verified items they were reporting that was inaccurate and violating United States Codes that protect me and other consumers! 

The accounts in question and wanting the process for are : XXXX XXXX XXXX XXXX ( which gets removed and added back without sending document on re adding ) XXXX XXXX XXXX XXXX XXXX ( debt collector who will not leave me alone ) XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
CRAs took way over the 30-45 allotted time to get back to me with their verification process on how they verified items they were reporting that was inaccurate and violating United States Codes that protect me and other consumers! 

The accounts in question and wanting the process for are : XXXX XXXX XXXX XXXX ( which gets removed and added back without sending document on re adding ) XXXX XXXX XXXX XXXX XXXX ( debt collector who will not leave me alone ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made two large payments to both of my closed accounts with TRUIST in XXXX and the statements closed with these payments being applied, but neither of these closed credit cards have reported the balance to my credit reports since XXXX, 2023. I have attached both statements showing the new balance it should have reported to my 3 bureaus already. This is affecting me from getting a HELOC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
Back in XXXX I purchased a money order from XXXX 's and XXXX Georgia and mailed it to XXXX and my money order never made it so I called Western Union and they told me what to do in order to get a refund so I got a {$15.00} money order and sent in my form for refund from Western Union Western Union then sent me a check that was uncashable after going to XXXX and XXXX XXXX which the check is a XXXX XXXX check but XXXX XXXX said the check is bad so then I called Western Union again and they gave me another check which the second check number is XXXX I went today to both XXXX and XXXX XXXX again and they have indicated that it is a bad check so if I am having this problem I'm sure several people are having this problem and this is a big issue for a company like Western Union to provide bad checks to customers I have been without my money since XXXX because Western Union keeps sending me that checks the check amount is for {$75.00} and that {$75.00} I do not have in my pocket as a XXXX person as a XXXX survivor I can not go pick up medicine because I do not have my {$75.00} to pay for it and that is not okay this needs to be addressed and Western Union needs to have this address I want my money as I should have it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I was involved in identity theft my information was breached and some accounts was open fraudaulently in my name the following companies have collections on my report Company : ohio dept of human services. 
opened : XX/XX/XXXX acct number XXXX company : XXXX XXXXXXXX XX/XX/XXXX sunrise credit services account number XXXX 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 2023-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have told Wells Fargo Auto Finance that they needed to show XXXX months of my past bank statements, they never asked for them at the car dealership. These are required to ensure that I can afford the amount of the loan the car dealership requested. 

They have not complied with this very simple request. They need to ask for these statements which will show I didn`t qualify for this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: OH

Complaint narrative:
I deposited a check for {$75000.00} on XX/XX/23 at a Bank of America branch. The teller handed me a paper afterwards stating that {$5300.00} of it would be available XX/XX/23 @ XXXX local time and then that {$69000.00} would available XX/XX/23 @ XXXX local time. I expressed immediately how there was a {$220.00} difference and she said she wasnt sure why that was and couldnt figure it out but to wait. 

The next day XX/XX/23 I get an email stating that the entire amount now {$75000.00} was to be placed on hold until XX/XX/23. At that point I was told that they were reviewing the funds. 

So this morning XX/XX/23 I wake up to an email stating that the funds are now being held until XX/XX/23. I explained to them that the funds had cleared the other account. 

This issue has caused my account to go negative. Not allowing me to purchase the vehicle I signed for and get to work which will cause me to lose my job. This is absolutely a string of false information and negligence on their part.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2023 I sent letter to the credit bureau to verify or remove inaccurate information on my report I havent received any response it have been 60 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
XX/XX/2023 my home was appraised for XXXX with recent upgrades to my home. However, at that time the comps for the same home with no upgrades are coming back at XXXX or more and the reason for my appraisal was because I recently made upgrades to my home and I believe my home after reviewing the comps in my neighborhood and with my recent upgrades that I was appraised unfairly and I feel as though I was discriminated upon. 

Below I have attached what my home is currently be estimated as on XXXX and XXXX and shared my neighbors home that is exactly the same with no upgrades.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
In XX/XX/XXXX I made three promotional purchases using my BestBuy store card issued by CitiBank. The promotions had zero interest for 12 months if the promotional balances were paid by the expiration of the promotion ( XX/XX/XXXX ). Since that time I have made regular, non-promotional purchases that are subject to interest charges. In an effort to pay down my promotional balances before the 12 month expiration, I made extra payments exceeding the minimum payment due on the monthly statement. The order in which Citi applies extra payments is at Citi 's discretion, a term which is buried deep within the terms and conditions of the card and not prominently disclosed. The cardholder must call Citi every month to ask that extra payments be applied towards promotional balances. with wait times to talk to a representative often exceeding 30 minutes. This misleading practice is a way for Citi to entice cardholders to make promotional purchases that will never be paid prior to expiration of the promotional period if the cardholder carries a non-promotional balance. This is a deceptive and misleading practice that is harmful to cardholders who believe they are getting a good deal with no interest for a set period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent my letters off XXXX. I told the credit bureaus to '' INVESTIGATE every piece of information '' on the accounts I have listed below. Also I have attached letters I sent out and here is the tracking number XXXX According to the FRCA The term '' INVESTIGATE 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 have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reportin agencey can not furnish a account without my written instruction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
these inquires appeared on my credit report i know nothing about! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been calling and contacting Bank of America constantly for over 6 months now on this issue and there has been no fix. The answer given each time is different and I just passed around on phone tag until XXXX rep says the issue will be fixed in XXXX hours... but it never is. 
I am unable to set up XXXX on my credit card account which is required to set up auto pay for credit cards for Bank of America ( XXXX system and the only credit card company I know that does this and it is awful ). 
I have had my Bank of America credit card with this issue for about 10 years. I had auto pay set up the entire time and everything was going smoothly. I opened up a checking account at the beginning of this year and everything broke in the system. ALL of my auto pays and XXXX  were canceled and deleted. All of my payment history and payment accounts were deleted. I was unable to enroll in XXXX for MANY months. After months of calling non-stop I finally got to a rep who was able to fix XXXX of the card and said the second card would auto fix after that in XXXX hours... but it never did. I have continued to call constantly for now over 7 months and there is still not a fix. 
The rep that did fix XXXX issue said ( and confirmed many times ) that the problem is due to a old bill pay profile in the system. When I opened a checking account at BoA the system changed me from a " credit card only '' relationship to a " full banking relationship '', but the old profile was not deleted and not transferred. 

The bill pay system is impossible to work with and no one at BoA has the power to fix this and no one is willing to help. Phone reps just pass me around and say wait XXXX hours.. but no resolution. They also say someone will reach out but no one ever calls to fix this issue. 

I am unable to set up auto pay for 9 months and no end in sight. This is very limiting and very risky issue with a credit card. Not allowing a customer to set up auto pay is bad banking practice and should not be allowed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
i have been locked out of file for an unknown reason for some time. sent letter to verify id on XX/XX/XXXX, XXXX file was " locked ''? for unknown reason. letter had fixed this, perhaps, but now another issue, " thats being worked on '' has created an issue per equifax. still no access. its been over 45 days. this is a detriment to me and i want action on there part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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