vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX offered me a no credit check offer that " would not effect my credit score and no inquiries. As I was neither looking for a card and definitly did not a hard inquiry for any reason I accepts the offer to see if I was pre qualified after I applied I received a hard inquiry. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX to resolve the matter and have the inquiry removed. discover rep acknowledged that the offer I responded to would not have had a hard inquiry and that the application I filled out was the correct one. However refused to remove the inquiry as they stated that despite all the evidence once they run a report they will not remove the inquiry. It has severly damaged my fico score.

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 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect ( date opened ) the incorrect ( high credit ) the incorrect ( last report ) the incorrect ( date last active ) the incorrect ( date of last payment ) the incorrect ( account type detail ) ( for this account ( XXXX XXXX XXXX  ). Because the ( date opened ) and the ( last reported ) and the ( date last active ) ( and the ( date of last payment ) and the ( account type detail ) being reported by your company and XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 

Theres also a copy off my updated credit report provided.showing these inaccuracies

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 2022-10-21 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: WA

Complaint narrative:
I went to the car dealership in XX/XX/2021, I applied to a vehicle however there were multiple hard inquires on my credit report. I was already approved, but I received multiple hard inquires.

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 2022-10-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of 2022, I recieved an email on my student email about a job opportunity. I was late to notice that email, but I replied to it on XX/XX/XXXX. The email was from someone pretending to be from the World Health Organization. I was told that I would be helping the disabled get the items they needed. I would be sent a check to deposit via mobile deposit through the Wells Fargo app. After giving her my ID she sent me a check via email and told me to print the pictures out and deposit them through the app. She never once asked me for my social security nor any money so I didnt think that it would be a scam. Plus the email was sent to my student account. At the time I was very inexperienced with mobile deposits and the app itself. After the check was deposited Wells Fargo closed both of my accounts ( checking and savings ), which was understandable since the check was fraud ( which I didnt know at the time ). I tried to call Wells Fargo and even visited two branches in person ( XXXX XXXX and XXXX XXXX ). None of them helped much except XXXX XXXX which helped me open a new checking account. Which was also closed after a few days. I tried to open a new account through XXXX XXXX XXXX but they also rejected my application because of what happened with Wells Fargo. The story is being misunderstood and misinterpreted by Wells Fargo and I cant seem to explain my story to them.

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 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist Bank has accessed my account overdraft fees on XXXX occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) ) in which the fee itself put the account into overdraft. These fees were accessed on pending transactions not after the transaction had posted. On each day noted above the ending balance of the transactions posted would have left the account with a positive balance. Truist was accessing all transactions that were in a pending status and because the math on the account was negative they began accessing fees. 

Per the CFPB website, the overdraft requirements are written as this : For purposes of this section, the term overdraft service means a service under which a financial institution assesses a fee or charge on a consumer 's account held by the institution for paying a transaction ( including a check or other item ) when the consumer has insufficient or unavailable funds in the account. 

My understanding of that requirement is that until the institution, Truist Bank, pays that transaction and it causes the account to go into the negative there should not be a fee accessed. In my understanding, the bank has not paid that transaction until it is posted. I attempted to clarify this with the Truist Support rep, but was unable to get a valid response one way or the other. They instead finally offered to pay back the overdraft fees ( 2 of them, which was not offered during my first call with their Support ). 

However, the intent of this complaint is for clarification on the banking practices. Per the CFPB overdraft requirements, when does the bank actually pay the transaction? If it is not until the transaction is posted then there are practices, logic, algorithms in play that are not consumer friendly and should be researched or further explanations provided to the consumer.

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 2022-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX Account Number : Ending in XXXX XXXX  ID : XXXX I'm writing to inform you that at the moment I don't want to pay for this so I refuse. Please cease and desist all communication thank you for reaching out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
The bank dispersed unauthorized funds In the amount of {$100000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I got a copy of my consumer report from Equifax and notice they were reporting a last name that didn't belong to me I mailed them a letter letting them know they were reporting a name that did not belong to me and I mailed with the letter a copy of my ID SSN # and Utility Bill asking them to remove it, the last name they were reporting had inaccurate accounts attached to them that did not belong to me, so I file a complaint to the FTC and CFPB for identity theft and sent to Equifax through the CFPB portal I also mailed it along with my identification again. They mailed me a letter on XX/XX/2022, saying they couldn't investigate because the information I sent to them didn't match the information they had on file that's because they were still reporting the last name that I told them didn't belong to me and I sent in proof several times of my full legal name. I never consented to any information being furnished, and this infringes upon my right to privacy I am demanding this information be deleted permanently or I will escalate this and hold Equifax personally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Business Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX ( XXXX ) XXXX Contacted Applied Business Services XX/XX/21 to inquire about collection of {$130.00} from XXXX XXXX XXXX XXXX  showing on credit report. XXXX suggested I contact XXXX XXXX XXXX re : medical bill. XXXX reported bill was for a XXXX test and insurance had paid with an insurance adjustment that should have been reflected on the bill but hadn't been posted. Was reassured by XXXX XXXX, supervisor with XXXX, they would contact Applied and have report removed from XXXX Credit report. 
Filed a dispute with XXXX during that same week and rec. results on XX/XX/21 stating : We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : No update necessary. 
XXXX XXXX via email to request resolution. 
XXXX Applied, spoke with representative who could not assist, and left message with supervisor to advise due to no resolution, my next step was filing a complaint. 
This adverse report is preventing me from buying a home at a reasonable rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
My Pentagon Federal Credit Union account ( checking and savings ) was frozen XXXX month ago pending identity verification and documentation of source of funds. ( See attached email ) I provided the requested documentation ( see attached upload transcripts ) including pages from my bank statements showing more than enough information for them to verify my identity and the source of funds I used for making transfers to the account. However, Pentagon Federal proved to be invasive with additional requests for information. I complied providing full statements. I was never able to communicate directly with the bank regarding the documentation, but always had to spend up to an hour each week on the phone relaying information bank and forth between the department handling the investigation. 

Finally, after XXXX month I was informed that my account was " permanently restricted '' with no explanation as to why other than " risk '' which they would not tell me about. I have {$74000.00} in assets frozen at this bank and they've told me that it would be frozen for up to 60 days. This is unacceptable and I demand that they return my money immediately. They have already held my money for 30 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 2022-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Since 2020, I have not received a statement of account. I have paid the note and the balance has not gone down. I have contacted the company numerous times to no avail. The fees and interest rate are outrageous. I feel this loan is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: WA

Complaint narrative:
I went to the car dealership in XX/XX/2021, I applied to a vehicle however there were multiple hard inquires on my credit report. I was already approved, but I received multiple hard inquires.

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 2022-10-21 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: WA

Complaint narrative:
I went to the car dealership in XX/XX/2021, I applied to a vehicle however there were multiple hard inquires on my credit report. I was already approved, but I received multiple hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Comenity Capital Bank issues the XXXX XXXX credit card. 
My credit card was frozen due to inaccurate credit reporting from XXXX XXXX. 
My card is current and in good standing.. 
When I made an inquiry with Comenity asking what's the problem, they stated my account was frozen because Alleviate Debt Consolidation was the Power of Attorney and had included XXXX XXXX credit card in a debt settlement plan. 
I disputed that was inaccurate. Comenity Customer Service transferred me to XXXX stated, '' there's no problem with your account it's not in collection ''. I was transferred, put on hold, disconnected and sent to a total of 3other departments who were no help at all! 
Finally a department said I must submit in writing to a specific address, the disputed inaccuracy, my name, address, cc #, social security number and signature. 
I complied and mailed a letter with information as well as sent the letter via email, too. That was in XX/XX/2022! I was concerned because letter had all my personal information in it! To this day no one has contacted me and the account is still frozen! I have submitted all required documentation, yet there is no resolution and or response! 
Frustrated with poor customer service and outsourced customer servicing which is horrible business practices, I mailed a customer complaint letter to Comenity Capital Bank Corporate office. 
Therefore, I am filing a complaint to CFPB. As a consumer, I should not be shifted around to one department after another and no one make the correction and unfreeze my account. Comenity Capital Bank has terrible business practices and do not value the customer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I received an email from the XXXX and XXXX XXXX XXXX XXXX requesting that I sign an Early Termination Balance Forgiveness Contract. 

On XX/XX/XXXX at XXXX XXXX, a Cease and Desist Demand was emailed to XXXX and XXXX XXXX XXXX team as they were still requesting payment before the contract was signed. 

On XX/XX/XXXX at XXXX XXXX I received an email from XXXX and XXXX XXXX Manager stating that they were not seeking payment on my account, only asset, and as such my request for Cease and Desist Demand did not apply. 

On XX/XX/XXXX at XXXX XXXX, the apartment keys were delivered to XXXX and XXXX XXXX XXXX. 

On XX/XX/XXXX at XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX XXXX  Manager confirm that the apartment keys were received via email. 

On XX/XX/XXXX, at XXXX XXXX, I emailed a signed copy of the Early Termination Balance Forgiveness Contract to XXXX and XXXX XXXX and XXXX XXXX. 


On XX/XX/XXXX, at XXXXXXXX XXXX, I received a XXXX XXXX XXXX  - Notification of Service for Case : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, stating that all others for filing have been voluntarily dismissed its claim against Defendant WITHOUT prejudice. 

As of XX/XX/XXXX XXXX XXXX and XXXX XXXX sold my private information to Transworld Systems which has reported inaccurate information to the 3 Major Credit Bureau and a balance of {$7200.00} to my credit report which has negatively impacted my overall score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 60 days and not response via email and i am SO MUCH DISAPPOINTED. The ACCOUNT on my report is inaccurate and unverifiable.. I am authorizing this complaint with proof of the disputes i sent out. Now please help me TO REVIEW THIS COMPLAINT, PLEASE REVIEW ; REMOVEOR UPDATE THE ACCOUNT IMMEDIATELY 1. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. 
XXXX XXXX XXXX Account number : XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed XXXX is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX Account XXXX As a consumer by law this account must be deleted immediately. 
4..Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account XXXX As a consumer by law this account must be deleted immediately. 
5..Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all XXXX bureaus his is an error this account in violation. 
XXXX XXXX XXXX Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 6.The following personal information is incorrect Account Number : Current address ( es ) XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 7.The following personal information is incorrect Account Number : Current address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Really appreciate your time and effort !

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 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE DISPUTED THE FRAUD ACCOUNT WITH THE CREDITOR, THEY REMOVED THE ACCOUNT, BUT STILL SHOWING IN MY REPORT AGAIN. 

XXXX. XXXXXXXX XXXX- XXXX OPENED XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX OPENED OPENED XX/XX/XXXXXXXX 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 2022-10-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE DISPUTED THE FRAUD ACCOUNT WITH THE CREDITOR, THEY REMOVED THE ACCOUNT, BUT STILL SHOWING IN MY REPORT AGAIN. 

XXXX. XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX OPENED OPENED XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A charge for over XXXX was made on my capitol one account that I did not make I contacted them they stated they did an investigation and the charge stands. So I asked about the investigation and discovered they never talked to the merchant where the card was used they contacted the merchant while I was on the phone he gave them a description which did not fit me and told them a blue capitol one card was used and my quicksilver card is gray. He told them the person produced one card that did not go through and them provided another he stated he doesnt ask for Id but does have a signature which they did not request to see if it matched mine. I did not make this purchase and dont think I should have to be responsible for it. When speaking to a rep where I was adamant about not making the purchase she said I see something that may be a lead let me show it to me leaders and see if they see what I see I believe they did and just dont want to reverse the charges due to it being such a large amount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: NC

Complaint narrative:
A thief stole my identity, created checks, and used my ssn without me knowing for years. 
You must delete everything XXXX XXXX  have more proof of the stolen and fruad activity This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with explanation