vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
A promotional offer was offered for {$400.00} bonus if a direct deposit of {$1000.00} or more is made to this account after a certain period from when it was opened. It was based on this offer that I opened the account and setup a direct deposit payment with my employer to this account. The first direct deposit payment of {$1000.00} was made on XX/XX/2023, followed by another direct deposit payment of another {$1000.00} on XX/XX/2023. Both Payments shows the sender as my employer and it was from direct deposit for salaries and bonuses. A third direct deposit of {$1000.00} was also made on XX/XX/2023 ( see attached documents ). However, Truist Bank has refused to honor their promotional offer agreement and have not deposited the {$400.00} bonus. This is unfair and a wrong practice, they should honor the agreement because I met the condition. Direct deposit is direct deposit, they are trying to make it seem that it is not, and when I reached out to them, I was told they will revie it and get back to me, but that was over 3 weeks ago. It is obvious this may be a dubious bank trying to lure people to open account with them with a fake promotional offer they are not capable of keeping to their part of the agreement. I am filing this complaint to report them for their discrepancy, and to demand they fulfill their part of the promotional offer.

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 2023-04-17 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: U.S. BANCORP
State: PA

Complaint narrative:
Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )

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 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
So on XXXX XXXX XXXX I called Credit Management LP to inquire about an amount owed to them. Upon speaking to a representative from their company they said I owed them {$580.00} dollars. I asked for what and she said it was an unpaid balance for XXXX XXXX. The Rep then told me I was able to Settle this debt for {$290.00} if I paid over the phone right then. I was also informed that this company does not perform any pay to delete services for credit. However they did say that they would settle the account for the amount paid and it would take 2 weeks for the update to reflect on my credit. I agreed to pay this {$290.00} to settle the account with them seeing as I had the time to wait for it to reflect on my credit. But now its been more than 2 weeks and about to be about to be 2 months since this settlement occurred and they have still not held up their end of the bargain. Which is now affecting me in the process of purchasing a new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Dear CFPB, On XX/XX/2023 Midland Credit Management INC / acct : # XXXX FALSELY updated this account to incorrectly report Paid Collection to my XXXX Report. 

I am requesting a reinvestigation of Midland Credit Management INC / acct : # XXXX Because This account is NOW Knowingly Falsely reporting : Remarks : - PAID COLLECTION- On my XXXX REPORT ( ONLY ). 
This is COMPLETELY INACCURATE, AND FALSE because I have NEVER paid this company or this account, nor have I EVER had ANY, scheduled payment arrangements with this company, which would mean there is no way possible for this account to be a PAID COLLECTION. 

Furthermore MIDLAND CREDIT MANAGEMENT INC ACCT : # XXXX is reporting a DIFFERENT BALANCE for the same account to the other 2 CRAs : XXXX XXXX {$0.00} on ( XX/XX/2023 ) XXXX XXXX {$640.00} on ( XX/XX/2023 ) XXXX XXXX {$640.00} on ( XXXX XXXX ) If this account was accurately being reported on XX/XX/2023 to XXXX as a Paid Collection, then on XX/XX/2023 it should have been reported the same way to XXXX, and XXXX. 

This is Willful Negligence and it is a FCRA Violation for a debt collector to use any false representation or deceptive means to collect or attempt to collect any debt.

According to 1006.18 ( False, deceptive, or misleading ) this includes : ( i ) The character, amount, or legal status of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Incorrect information on my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I own a small business and have a business checking account with Wells Fargo bank. On XX/XX/23 I deposited a check for {$4500.00} and on XX/XX/23 I received an email saying Wells Fargo put a bank hold on the check deposited. We immediately called the payer and he sent us a screen shot of the monies clearing his federal credit union. We then called Wells Fargo and we were told theyre holding it for 10 days due to suspicious activity. Today I spoke with everybody and nobody can tell me why this hood was placed on our account and the money has cleared from the payers account. Wells Fargo keeps giving me their same old tired refrain about suspicious activity which by now we all know thats b.s.! Ive wasted more time on the phone trying to get this money released as we are a small business and need it badly. 
Its so frustrating to talk to Wells Fargo and be passed around from department to department, to be disconnected and have to call back several times only to be told to go to a branch. We went to the branch and they called their back office and told us it would be 10 days for this hold!! As of this writing I still dont know where the suspicious activity is as Wells Fargo already has the money released from XXXX XXXX XXXX XXXX XXXX The only one inconvenienced is me, the customer!!

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 2023-04-17 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: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
My car insurance company paid off the bullk of my car loan to Toyota financial and my gap insurance that was also from Toyota financial was supposed to pay off remainder of balance I called gap insurance they said they paid it off and emailed me confirmation but never received it. On my credit report it say my Toyota acc. Was closed and they double back and put my acc. As bad credit write off that is now hurting my score. Now I call Toyota financial back and they are just transferring my back and forth without telling me who they are sending me to next thing I know I'm speaking to some who say they are debt collectors for Toyota financial and I owe them money and I'm like my acc. Is closed paid off at no time anyone from Toyota tell me otherwise. I need them to fix there error and I hope there calls are being recorded to prove what I'm talking about but rather than them explaining to me what's going on they keep transferring me telling me they have no info u have to speak to another department witch turns out to be debt collectors if that is even true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: PA

Complaint narrative:
Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: PA

Complaint narrative:
Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )

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 2023-04-17 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:
On XXXX call on their recorded line was left to be willfully hung up on after explaining to the supervisor the FCRA protections for inquiries and XXXX XXXX account fraudulently being reported. She decided to hang up and go silent. 
They have a police report on file as well as the FTC report and I have attached all documents including address and ID confirmation to this complaint to ensure to no reason to not handle this CFPB complaint. 

I've also attached a court ordered document from the illegally reported involuntary dismissal of identify theft public record directly from the Judge. Protection under 303 BK code.

two items below violating FCRA laws ( 605b must be blocked no later than 4 days of receipt which they verified receiving XXXX ) *Public Record : Reference # XXXX XXXX  XXXX involuntary dismissal due to ID theft related accounts already removed. Direct letter from Judge. 

XXXX : XXXX XXXX {$0.00} balance Also protected by FCRA if any information has proof to be misreported it can not be listed on any consumer report. I've attached the other 2 agencies full reports to show all these items in question are verified as fraud and not reporting. 

I am seeking prosecution or removal.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-17 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:
Transunion XX/XX/23 file # XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I send the FTC affidavit with the police reports and this accounts and the fraudulent inquires listed as fraudulent and I demand to be removed right away. i also filed a complaint with the XXXX for the not removing this account in XXXX and again in XXXX. Those accounts were not removed within the time allowed by law.

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 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CADENCE BANK
State: AR

Complaint narrative:
Cadence bank has illegally charged me overdraft fees after I requested several times for them not to allow my account to be overdrafted. However recently this month they reversed a dispute which I submitted along with photographic evidence. Well their claims support contacted me and said that when I emailed them photographic proof of the {$72.00} which I had to file a dispute against Zip after I was told I had a few weeks by zip to make a payment arrangement and then overdrafted after zip unethicaly and unauthorized the very next day. To add insult to injury the case i was originally awarded by Bankcorp South for back in XXXX was overturned and dishonestly reversed when Bankcorp south merged with Cadence. They said their support team never included the screenshots as proof of this, which is highly dishonest and beyond unethical. If I had the money right now I'd take them to court in small claims and sue them for the maximum allotted amount because that's stealing and beyond dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AES/PHEAA
State: NY

Complaint narrative:
My student loan accounts were paid for and the others are closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: EOS Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/2023. I called to settle a debt with a company named EOS CCA. They bought a collection from XXXX and XXXX XXXX. I paid {$1300.00} and {$760.00}. I was told that they would remove the collection from my report since the debt had been paid off. I was provided documentation stating it was settled in full and paid. I disputed the items multiple times and every time the results came back it would say nothing was settled and the results haven't changed. I have reached out to EOS CCA and informed them on this and they said it should've been settled since I paid them. Given the nature I also had another company reach out to me saying that they owned the debt that I had already paid EOS CCA. I had to send them documentation proving the debt was settled. I need to know why it keeps coming back as nothing has changed and that I still have this debt if it has been paid and there is documentation proving the settled debt. It is absolutely tiring that this continues to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX, and XXXX continue to furnish information that is inaccurate and incomplete. I reached out to these companies. Submitted a dispute, even filed a lawsuit. My reports are still inaccurate. The Payment history, along with date of first delinquency, and some of these accounts have been deleted on one credit agency but remain on others. Theyre violating 1681e ( b ), along with failing to respond. Another violation.

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 2023-04-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I requested for an through investigation to be done on my consumer report and noticed inaccurate information reporting has not been corrected. I've included certified mail receipts XXXX # XXXX Equifax # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone opened an out of state account in our names and sold our property. The perpetrator is waiting to receive the proceeds from escrow. We were contacted by the escrow company when they decided to double check for fraud. We confirmed this was fraud and not to close escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I was reviewing my credit report after receiving an inquiry notice and I know I have not applied for any credit. I reached out to the company ; no response. 

Attached you'll find he printed letters I sent to them, the company and the bureaus. I've yet to hear anything from XXXX, XXXX or XXXX on the matter. 

These inquires are effecting my credit and this misinformation is inaccurate. Also, be advised I have no accounts attached to either of these inquires, so I know i didn't make them. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX, CA XXXX Attention : Factual Data Credit Department XXXX XXXX XXXX XXXX XXXX, XXXX, Pennsylvania, XXXX Dear Factual Data, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Factual Data Made on : XX/XX/XXXX and XX/XX/XXXX Made with : XXXX, XXXX and XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had XXXX XX/XX/. The MD and I filled out XXXX forms from EDD and I was TOLD I was sent a card with {$4700.00}. The card was lost several times before I finally got it. 

I finally got the card on XX/XX/2021, ALL THE MONEY WAS GONE except {$48.00} I HAVE BEEN FIGHTING WITH BANK OF AMERICA FOR 2 YEARS. I HAVE SENT IN FILES AND PAGES OF REPORTS I WAS ADVISED TO FILL OUT. THE MONEY WAS STOLEN OFF MY CARD AND TRANSFERRED TO SOMEWHERE ELSE. 

I HAVE NEVER SEEN MY XXXX MONEY FROM MY EMERGENCY XXXX I AM A RESPONSIBLE AND PROFESSIONAL. I AM SO FRUSTRATED, THE BANK HAS BEEN TELLING ME FOR 2 YEARS IT WILL BE SOLVED SOON PLEASE CAN SOMEONE HELP ME!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
My mother died on XX/XX/2023. I have been hassiling with pnc bank to get my share of an inheritance from an ira held by pnc bank. I have filled 4 or 5 different forms they keep coming back with excusses as to why they can not disperse the money. The lasI have recieved lie after lie from a woman named XXXX.

Company response to consumer: Closed with monetary relief