vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Phoenix Recovery Group
State: CA

Complaint narrative:
No final balance or final notice with a breakdown of costs provided. Never received a notice to dispute final balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
on XXXX XXXX I went to my local Huntington bank atm to deposit cash. The full amount I put in the atm was {$1000.00} even. After I deposited the cash the machine spit out {$80.00} but the rest of the cash was visibly stuck inside the machine crumpled up. On the screen it was telling me to grab the cash that couldnt be deposited. After a few minutes went by it said your cash was not taken in time. To protect your accounts, Ive pulled your cash back in. Contact your financial institution the atm machine closed the opening.after taking a photo I immediately reached out to customer service and made a dispute. After 2 weeks I called for an update to find out the dispute was closed with no explanation. The dispute was reopened only to be closed a week later. This time the representative tells me the researcher found a different undisclosed amount and that {$920.00} wasnt the amount found from the atm. I feel like Huntington bank scammed me out my cash without a proper investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
Thank you for your response. The actual contract original balance is inaccurate. What is being reported as the original balance is reported at {$12000.00} but the actual amount after the disposition is noted as a different amount. This inaccuracy has caused a myriad of additional money in fees and has reported inaccurately. It should be removed based on applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date 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 non-monetary relief
Consumer complaint received 2023-05-04 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: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2023 I Was Checking My Credit Report & Noticed An Unknown Account From XXXX XXXX Account Number XXXX With A Balance Of {$2000.00} I Immediately Contacted ALL Credit Reporting Agencies To Dispute This Account After It Was Marked As Verified Without Conducting A Full Lawful & Proper Investigation & Sending Me A Hard Copy With A Detailed Description Of How This Account Was Verified XXXX Is In Violation With FCRA & Owes Me {$1000.00} For Damages Caused & Now Has 15 Days To Complete A Proper Investigation & Delete This Fraudulent Information From My Consumer Report After Receiving This Notice View full complaint

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 2023-05-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a fraud claim to Bank of America on an XXXX prepaid card I never recieved was told it would be investigated and would receive a provisional credit or answer within 10 days 18 days later I keep getting told different things that it would be settled up to 45 days other bank representatives said 90 days I asked for a reason why a provisional credit as it states in their literature while the investigation is going on no acceptable answer no reason issued asked for supervisor was that it does no good because the supervisor is going to say the same thing I asked in one case 4 times while on the phone I kept being told well the supervisor is going to say the same thing and than I would say well I would to talk to a supervisor please its like round and round etc my claim # is 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 2023-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NM

Complaint narrative:
On XX/XX/22 my wife purchased a western union money order at XXXX XXXX in XXXX nm for XXXX usd for our rent payment it was lost or stolen at XXXX we called western union after XXXX said we needed to contact them to cancel it. Wesyern union said they do not cancel money orders and would refund in 7 days if not cashed We filed a claim XXXX XXXX we were told bye a representitive to do XXXX case number is XXXX. 

And were told it would be refunded in 7 days. 

On XX/XX/XXXX after talking to a representitive we were told it was cashed on XX/XX/XXXX and we cpuld not be refunded. Instead we would have to sighn a affidavid that removes liability for the funds and they could only give us details on who and where the mo was cashed if we sighned the forms I feel this violates ftc guidelines. And western union is being fraudulent and misleading it is very difficult to reach them ive spent hours on hold hu g up on and bounced around in the system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: MI

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
I have previously disputed this item with you XXXX XXXX Bankruptcy and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am applying for a mortgage and Transunion returned with a " suppressed File '' notification. There verification system question had information completely unknown to me and locked the file. As just my Broker can not start the underwriting process. 

After attempting to contact online, by phone, and by chat, I referred to the Special Handling Department. While they explained the situation well and told me how to remedy it. They are requiring a mail in of sensitive personal information ( SSN Card copy ) to remedy. 

It would seem to me that the Company should notify a consumer when they take action on their file like suppressing it.

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 2023-05-04 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Between XX/XX/2023 and XX/XX/2023, I was either in XXXX or traveling between XXXX and the United States. On XX/XX/2023, an email Weekly Account XXXX notification was received that reported no new posted account activity. On XX/XX/2023, multiple account email notifications were received that reported : 1 ) {$900.00} had posted to the account 2 ) Six ( 6 ) transactions had posted to the account These transactions were fraudulent. When I saw these email notifications, I immediately logged into the Barclay XXXX website and locked the credit card on XX/XX/2023 and received an email notification to confirm that the card had been locked. I then began the process of notifying Barclay, the vendors listed in the transactions, and the XXXX XXXX Police Department about the fraudulent activity. 

Of the six ( 6 ) total transactions, five ( 5 ) transactions were removed from my statement, but one ( 1 ) transaction for {$290.00} remained, with Barclay claiming that this was a valid transaction even though it was and is fraudulent. I closed my card with Barclay, but they want me to pay this fraudulent charge. 

I submitted an appeal with Barclay on XX/XX/2023 over the phone, where they verified that the address used in this transaction is not and has never been associated with me or my account. I also faxed a number of documents and signed statements to attest that the address and charge are not mine and to provide evidence that I was not even in the country at the time. 

I was told that a decision would be made in 7-10 days. Well after 10 days had passed, on XX/XX/2023, I called Barclay to verify the state of the appeal and was told it would take another 7-10 days, which would require me to pay the fraudulent charge due to the statement due date. 

I think Barclay is intentionally dragging this out to force me to pay the charge or ruin my credit, at which point they'll use the payment to conclude that the charge is not fraudulent even though it is.

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 2023-05-04 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: FL

Complaint narrative:
I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00}, Accounts : XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : 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 non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Dear CFPB, In asking for your assistance, I am seeking resolution to an unfortunate situation with XXXX, by XXXX Bank XXXX ( XXXX : XXXX. ) Today is XX/XX/2023, and XXXX Bank XXXX has been in possession of ( XXXX ) cashier 's checks that were intended to fund XXXX accounts opened via web portal, on XX/XX/2023. 
Access to the new accounts was subsequently locked, in their yet unfunded state. 
Any security concerns have been acknowledged as cleared by the Bank, as of XX/XX/2023. Quite likely sooner, as the completed affidavit was returned on XX/XX/2023. ( See attached documentation for details. ) The status of these deposits is still in limbo, even though the Bank acknowledged receipt of the funds, and placement in their respective accounts, via XXXX correspondence indicating ( XX/XX/2023. ) XXXX account remains open, showing XXXX balance ( OSA. ) The other, an XXXX month XXXX of XXXX was subsequently closed, flagged as " unfunded. '' ( Email dated : XX/XX/2023. ) Furthermore, after much research, it appears this is a recurrent method of operation, with unsuspecting customers. ( a.k.a., victims. ) Withholding deposits, locking account access, or otherwise stalling using XXXX XXXX in conjunction with " terms of service '' effectively lowers the XXXX, as advertised. This basically wipes out any monetary advantage gained by depositing funds with XXXX, versus their competitors. 
In simplest terms, I've been " screwed '' out of approximately XXXX week 's interest, even though the Bank has agreed to credit my ( XXXX ) cashier 's checks into the remaining account, if I CONTINUE TO WAIT. For what?? 
A somewhat less than equitable solution to my dilemma would be for the Bank to IMMEDIATELY credit the afore-mentioned funds, in their entirety, to the remaining OSA. 
Immediately means today, rather than XXXX to XXXX more days, yet again. 
Otherwise, the sum of my funds should be PROMPTLY returned via Bank check, to the address on file, which was provided when the accounts were originally opened. 
Promptly, means I will not find it necessary to place XXXX fruitless calls to " Customer Service, '' or file another complaint with the Regulators. 
No more perpetual loops of " Call, Wait & Repeat. '' Most average citizens like myself, can not endure the stress, suspected loss, or forfeiture of their life 's savings over these unnecessary hijinks. 
In what reality does it take over XXXX weeks to make a simple deposit into a savings account?? 
Also, do not attempt to purport that the Bank reached out via phone call, or email without response, to retroactively justify the delays. 
Please take time to review the attached documentation, as it will provide the information relevant to the accounts. 
Personally, I will be returning to XXXX XXXX XXXX, as this has been a horrific, and totally unexpected learning experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: FL

Complaint narrative:
I requested all three credit bureaus ( Equifax, XXXX, and XXXX ) to verify a bankruptcy that shows in my credit report. I asked them to verify the information with the court in two occasions XX/XX/XXXX and XX/XX/XXXX. Both times the bureaus " confirmed '' that the bankruptcy had been verified by the court. I then wrote to the court on XX/XX/XXXX asking them if it was true that they had received letters from the bureaus asking them to verify my bankruptcy. I never heard from the court. So, in XXXX XXXX XXXX, I called the court and verbally asked them if the bureaus had sent letters of verification to them. The court clerk explained to me that the court never verifies this type of information with the bureaus. I then wrote to the bureaus on XX/XX/XXXX and again on XXXX asking them to remove the bankruptcy from my report because they never verified it with the court and in fact they lied to me when they said they did. Up to now, they have not deleted the bankruptcy. In my last correspondence to them, I warned them that I would file a complaint with this agency if they did not delete the unverified item from my credit report. I am writing to you hoping that this issue can be resolved once and for all. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), the bureaus are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that they post on anyone 's credit report. It is obvious that at least in my case, none of the bureaus verified the item and are still reporting in my credit which is affecting me tremendously because I can not re-finance my house at this time due to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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 requested all three credit bureaus ( XXXX, Experian, and XXXX ) to verify a bankruptcy that shows in my credit report. I asked them to verify the information with the court in two occasions XX/XX/XXXX and XX/XX/XXXX. Both times the bureaus " confirmed '' that the bankruptcy had been verified by the court. I then wrote to the court on XX/XX/XXXX asking them if it was true that they had received letters from the bureaus asking them to verify my bankruptcy. I never heard from the court. So, in XXXX of XXXX, I called the court and verbally asked them if the bureaus had sent letters of verification to them. The court clerk explained to me that the court never verifies this type of information with the bureaus. I then wrote to the bureaus on XX/XX/XXXX and again on XXXX asking them to remove the bankruptcy from my report because they never verified it with the court and in fact they lied to me when they said they did. Up to now, they have not deleted the bankruptcy. In my last correspondence to them, I warned them that I would file a complaint with this agency if they did not delete the unverified item from my credit report. I am writing to you hoping that this issue can be resolved once and for all. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), the bureaus are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that they post on anyone 's credit report. It is obvious that at least in my case, none of the bureaus verified the item and are still reporting in my credit which is affecting me tremendously because I can not re-finance my house at this time due to this issue.

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 2023-05-04 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:
1 ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX 2 ) ACCOUNT NAME : XXXX XXXXXXXX ACCT # : XXXX 3 ) ACCOUNT NAME : XXXX XXXX  ACCT # : XXXX 4 ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX 5 ) ACCOUNT NAME : XXXXXXXX XXXX ACCT # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief