vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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:
On XX/XX/2022, i deposited a {$52000.00} check at TRUIST bank, at a branch office in XXXX XXXX, FL. 

I was informed by the teller that there would be a hold placed on the funds. But I had nothing else I could do with the check, so i deposited it, and i figured i could call the bank and discuss the hold the next day. 

In fact, there was a " partial '' release of {$5500.00} 2 days after i deposited the check. Obviously, the bank would not have released any of the funds if they had not been sure the check is good. 

But TRUIST has not released the {$46000.00} balance of the deposit. They said they would release it today, XX/XX/XXXX, but they have not. 

TRUIST should not be allowed to steal customers ' money for this long. 

thank you

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 2022-12-07 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: VA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX SXXXX XXXX XXXX XXXX # XXXX Bankruptcy XXXX XXXX reference # 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 604 Section 2 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 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo denying payment for fraudulent charges on our bank account. 
Reason for denial : too much time passed before I reported. 

Charge posted online XX/XX/2022 XXXX reported same day. 

Please find the attached letter from claim denied reason by Wells Fargo that also clearly shows the dates as well. 

When I called Wells Fargo they tell me it was posted on XX/XX/2022. My wells Fargo online portal clearly shows that it was posted on XX/XX/2022.

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 2022-12-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I found out yesterday that my name and credit rating was attached to this loan. 

I DID NOT SIGN OFF ON THIS LOAN!!! 

I DID NOT sign this document and it was notarized by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I WAS NOT there, and not sign it, I was in XXXX XXXX on business and have plane tickets, hotel bill and witness ( s ) that will gladly give deposition to this fact. 

I wish to pursue this matter in everyway possible and convict all parties involve in this fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: NJ

Complaint narrative:
These are the other hard inquires XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-12-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
These are the other hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: AZ

Complaint narrative:
Guild Mortgage reported a 30 day late mortgage to the credit bureau. I scheduled an ACH on XX/XX/2022. on XX/XX/2022 I was expecting my payment to go through and never knew Guild Mortgage for one reason did not process my request until another a loan officer called me to notify me on XX/XX/2022 that I have a late mortgage and my loan was denied even though I paid off whatever I was owing Guild Mortgage. I called Guild Mortgage they argued that they did not see any ACH set up. Guild Mortgage system is unreliable. I have 5 Mortgages including Rent scheduled on an ACH and I have never been late on my Mortgage or bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I lost my wallet and they used up my credit and ruined my credit score and I need everything removed all inquiries and any other account, s in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Chime Financial Inc
State: GA

Complaint narrative:
I was working from home on XX/XX/2022, when around XXXX i received a notification stating that {$400.00} was withdrawn from ny chime card, i immediately looked inside my wallet to see if i lost my card, my card was inside my wallet. I Live in XXXX XXXX GA, the transaction took place @ an ATM on XXXX XXXX in XXXX. I immediately called chime to let them know it wasn't me that withdrew money from my account, they stated they will run a investigation, they denied my claim, i called back & asked them why, they stated they could not tell me the reason why. I asked my Supervisor to send me my timesheet from work that day, & i sent info over to Chime. I have not heard anything from them regarding this. My money was somehow taken out my account without my card or pin. They have denied my claim for the 3rd time with no explanation. I've sent them a pic of my card that evidently someone copied because i was home with my card with me on the day the incident happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Credit card Company XXXX XXXX by synchrony bank Has issued cards to fraudulent persons using my name address and personal info And bill me for the fraudulent charges on the miss issued cards How many times you drive to resolve the issten times I have attempted to resolve the issue with the credit card company with the aid of XXXX XXXX XXXX With no results We have spoken with their fraud department at least 10 times since for the last 3 months with the help of XXXX. Each time we talk to someone that's supposed to be able to resolve the issue it is a different person and very seldom they keep notes or refer to the last person we talked to this has been gone over and over again with no results and XXXX has helped with each conversation but still without obtaining any results

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 2022-12-07 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: U.S. BANCORP
State: CO

Complaint narrative:
Greetings, Most recent disputes on XX/XX/22 and XX/XX/22 included supporting documentation via fax which the bank states they have not received despite successful fax confirmation. 

I phoned bank on XX/XX/22 to discuss and was supposed to receive a phone call by XX/XX/22. No call was received. Upon calling XX/XX/22, agents stated that there were notes that a call was made to me on XX/XX/22. There is no record in my call log of any such attempt. 

My time and finances are being disrespected. Attached evidence provided.

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 2022-12-07 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805.

Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. 
All versions of names except my only Name " XXXX XXXX ''. 
All other versions are in violation. 
There is only XXXX address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX. 
ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. 
There are CHARGEOFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 
There are multiple Hard Inquiries on my credit report that are NOT authorized, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX There are multiple Soft Inquiries that are NOT AUTHORIZED : 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 
Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed.

The Student Loans being reported on my credit MUST be removed. Student Loans on credit report is a violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) The school agreed that they will not provide transaction history to any 3rd party. 

16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Remitly, Inc.
State: VA

Complaint narrative:
On XX/XX/2022 I signed up for Remitly to transfer money to a person in the XXXX XXXX. I completed all the requirements and was granted access. 
I proceeded to submit one transaction and it went through OK. Then I proceeded to submit a second transaction to the same recipient, and was told that this looked like a duplicate, I clicked the option : Ok, go ahead, as I was aware and OK with the transaction. 
The app took longer and I got a message that the transaction was under review. 
An hour later it was declined so I proceeded to contact the Remitly customer service. 
They told me my account was locked as there was a violation to their terms. 
SO I asked what kind of violation was that, and they kept saying that due to security policy they could not tell me. I told them it was my right to know what was the violation I was being accused of, but they never responded. 
I asked to talk to a supervisor, and they told me all supervisors were busy and they will take hours or days to talk to me (!! ). 
I asked to open a review on my case, which they said they did and that within an hour I would receive an answer, of course, I never did. 
I called today, XX/XX/2022 and was told that they decided to keep my account suspended and no more information could be provided. 
I'm worried this company has my data, and that it is my right to be informed of why an action has been taken on my account. 
My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: WI

Complaint narrative:
I am currently waiting to be forgiven with the Public Student Loan Forgiveness program. I had my XXXX payment month in XXXX of 2022. Was told by XXXX XXXX that I was to be forgiven but moved to XXXX  in XXXX. Since then, I have been waiting with little to no movement or communication and would like to have a better timeline of when I will be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
Purchased a {$200.00} pre paid XXXX gift card and didn't use the card until vacation but when I opened the card to pay it was empty upon checking it stated a {$200.00} charge from XXXX, the card was sealed in my possession the entire time.contacted XXXX and they stated transaction number was fake and they've had several complaints about the same thing and the company XXXX who manages the cards are the ones stealing the funds -contacted In-Comm and they requested my own debit card number and drivers license number.. this is a scam and I will contact Illinois attorney general to file complaint for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In XXXX I changed the date of payment with their authorization and they reported I was late. 
In XXXX during the pandemic, they offered me the COVID Relief program and stated that I don't need to worry about payment during this period. They also stated, they will report to the Credit bureau during this time. After the period I made the payment and after a few months paid my loan was completed and paid in full. 
A few months after I paid my loan in full, they reported to the credit bureau that I was late during the pandemic. 
I tried multiples time to talk to them. Also, I disputed this issue with the credit bureaus several times, but still the same result. They still reporting I was late. 
XXXX XXXX - account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: NY

Complaint narrative:
In XXXX I changed the date of payment with their authorization and they reported I was late. 
In XXXX during the pandemic, they offered me the COVID Relief program and stated that I don't need to worry about payment during this period. They also stated, they will report to the Credit bureau during this time. After the period I made the payment and after a few months paid my loan was completed and paid in full. 
A few months after I paid my loan in full, they reported to the credit bureau that I was late during the pandemic. 
I tried multiples time to talk to them. Also, I disputed this issue with the credit bureaus several times, but still the same result. They still reporting I was late. 
XXXX XXXX - account # 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 2022-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Our account was in default since we missed payments in XXXX and XXXX. We received a statement from PNC bank dated XX/XX/22 that our total amt due was {$760.00} with an outstanding principal balance of {$6000.00}. 
A payment was made to PNC on XX/XX/22 via XXXX XXXX bill pay in the amount of {$1000.00} which posted to our checking account XX/XX/22. PNC bank repossessed our car XX/XX/22. When we called they said it takes XXXX hours for payments to post in their system, in addition to the time our bank stated. We are then required to pay an additional fee per diem because the payment has not posted and they can not release the vehicle. The new XXXX is $ XXXX {$600.00} more for repossession fees on an outstanding balance of {$6000.00}. This is unfair debt practices and taking advantage of people already struggling to stay afloat.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are 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 successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are 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 successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
We had an accident with the car and the insurance paid Santander in full, we received a lien satisfied letter twice. I have called several times because they are reporting it as a charge off which has damaged my credit. It's also impacting my financial life and limiting credit worthiness.

Company response to consumer: Closed with explanation