vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
My bank 's checking account has been debited {$5.00} for the last several months. This is the information that shows on my account : XX/XX/XXXX XXXX XXXX XXXX / ( my name here ) ACH WITHDRAWAL - {$5.00} XXXX talked to my local Old National bank 3 or 4 times in XXXX of XXXX. They did refund me 2 of the debits and cancelled my card and issued a new one. The charges still appeared. The local representative tried to look into it and said it has to do with a XXXX XXXX. I called the XXXX XXXX XXXX phone number my bank gave me and the XXXX representative said they needed some different tracking data that they said my bank should have. 
I reached out to my bank again ( one particular person that I was communicating with ) but they never contacted me again with the information I asked for. I do believe I left a voice message since we were doing this on the phone. 

I left the state for 5 months and left this issue go. I see the {$5.00} is still being withdrawn from my account each month. 
This withdrawal started in XX/XX/XXXXXXXX XXXX XXXX XXXX / ( my name here ) ACH WITHDRAWAL And on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX My bank reimbursed me for 2 of these unauthorized withdrawals XX/XX/XXXX XXXX XXXX Unknown/unauth / ( my name and account number here ) CREDIT {$5.00} XX/XX/XXXX XXXX Org Unknown/unauth / ( my name and account number here ) CREDIT {$5.00} I can not find any information on the internet with " XXXX XXXX XXXX '' or any XXXX XXXX XXXX. 
Please help My bank is Old National Bank

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 2023-04-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I openedan account with TRUIST bank, on XX/XX/XXXX ... the agent informed me, that theres was a CHARGE OFF on record, I was surprised, I NEVER had Truist, but he clarified that it was under BB & T bank, ( it went out of business ) and the CHARGE OF WAS FROM XX/XX/XXXX XXXX years ago, this created a problem with opening a checking account with Truist. 

Can you help?

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 2023-04-19 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Greetings, Both my loans with XXXX XXXX LOAN # : XXXX & LOAN # : XXXX ) were considered past due in XXXX despite the payment coming out of my account on the XXXX of XXXX for both loans. 

This has DESTROYED MY CREDIT without a fault on my own. I have been admitted to the XXXX XXXX XXXX program and need to take a loan for {$250000.00} and was denied because of this issue. Also, I am moving to XXXX with my wife and daughter at the end of this month and won't be able to rent a home to live in with this issue at a high cost of living area ( XXXX XXXX ). I have had +12 years of on time 100 % payments before this issue and an almost XXXX credit for all these years. 

Few issues/notes here : The payments were withdrawn on the XXXX of XXXX versus the XXXX or before despite being on AUTOPAY. Why were they not withdrawn on the XXXX? This is an issue from your end. PLEASE SEE ATTACHED. 
The payments for some reason got sent back to me after. Also, this is not my issue. If this is an overdraft issue, why would the money be withdrawn from my account in the first place? I also am a XXXX account holder with XXXX. 
The payments were made again on XXXX of XXXX. I also called and was told that the late fees were waived and that there will be no further issues, yet, this was sent to the bureas and DESTROYED MY CREDIT I am in no need for help paying for my mortgage, however, I have been sent multiple BLUE packets that went to the wrong address and took a while to get to me ( address is updated on the system ). 
I was not told that the 30 days count from the XXXX of the month rather than the XXXX 
I have changed my auto pay date for the XXXX  of each month to avoid this issue in the future all together. 

I have attached : XXXXXXXX XXXX transactions/date with regards to both mortgages. 
my credit reports over 12+ years The chart of the credit score and the huge loss I incurred XXXX XXXX XXXX  XXXX  letter loan for school program : rejection and reasons for rejection I look forward to your support with getting this taken care of. 

Thank you, 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 2023-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX, and I do not have a XXXX XXXX credit card account. They did provide me with the original application like I asked, nor did they provide a witness to the application. 
I demand the account be removed from my credit report 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 2023-04-19 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: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX, and I do not have a XXXX XXXX credit card account. They did provide me with the original application like I asked, nor did they provide a witness to the application. 
I demand the account be removed from my credit report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I am reaching out to you in regards of a credit decrease in multiple credit cards. I had a limit decrease with XXXX XXXX furniture credit from XXXX -- > XXXX. I have been a card holder with them for XXXX  years and I have had good payment history with them other then a few months back. I paid off my amount that way I avoid anymore late payments. Once I paid off the amount I owed they lowered my limit. I reached out to them and they didn't give me an answer on their end. I was told to reach out to the credit bureau to resolve the issue. I reached out to XXXX XXXX credit and they informed me it wasn't on their end. They advised me to reach out to you guys since they cant give me an explanation on why they decreased my credit limit. During the time that this incident happened the same thing happened with comennity bank Forever 21 where they decreased my credit limit. I am not wanting to make any big purchases. However, this has made a negative impact on my credit for the decrease of credit limit. This has made it hard for me to be able to move forward with purchasing a home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I was on vacation in XXXX XXXX XXXX. I was XXXX XXXX XXXX XX/XX/XXXX and my phone was taken from me. The thief got into all my bank accounts, credit cards, and my PayPal account. I had a PayPal balance of + {$200.00} on XX/XX/XXXX. 
I communicated what happened to PayPal as soon as I discovered the fraud on XXXX. The account was several XXXX XXXX overdrawn. I had the account locked down so the thief couldn't do any more damage. PayPal customer service guaranteed the account was safe and locked. 
I was horrified to discover on XXXX that PayPal did not lock the account down, and the thief had charged even more. I called PayPal again screaming to lock the account down. Again PayPal said the account was locked down and safe. 
To my surprise and dismay, yesterday I received an email my PayPal account was - {$15000.00}, my fraud claim had been rejected, and they are taking me to collections. 
I am in the middle of trying to purchase my first home. My credit score has been decimated from this and now I don't qualify for a mortgage. On top of that, I am being harassed by PayPal 's debt collectors. I called yesterday and have had the case re-opened, but nobody at this company cares or is doing anything. Meanwhile, this is destroying my life. I need help here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023, my XXXX XXXX XXXX mother, XXXX XXXXXXXX died. Within two days of her death, her bank, Bank of the West, locked her accounts and closed her cash rewards credit card without notice ( I found out when XXXX notified me that the auto payment from her credit card was declined ). At the time they closed it, she had a " substantial '' amount of cash back owed to her from Bank of the West. I called Bank of the West which refused to talk with me ( even though I am the executor of the estate ). Visiting the local branch in XXXX XXXX, CA was equally frustrating, the people there saying they couldn't do anything but they would have someone from corporate contact me. Today, corporate told me since the account was closed ( by them, not us ) they owed my mother nothing and they would keep the rewards cash that she had earned. She had been with Bank of the West for over 70 years, back to when it was XXXX XXXXXXXX XXXX of XXXX XXXX. Though she was the cardholder, I handled all of her finances for the past five years, including making monthly payments to Bank of the West. The account was paid in full every month and never was there a late payment. My email address, home address and phone number were the contacts on the account. Bank of the West to this date has not sent any notification saying they closed the account, only confirming they did so when I called 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 2023-04-19 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: PA

Complaint narrative:
XXXX has failed to comply within required timeframe. 
XXXX is a repeat and habitual offender. 
XXXX XXXX, on XX/XX/2023, XXXX from EQUIFAX did acknowledge and confirm the receipt of Victims Complaint. 
XXXX has failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Schreiber Law LLC
State: MA

Complaint narrative:
Just prior to XX/XX/2021 my husband and I refinanced our mortgage and arranged to pay off some outstanding debt. One of these was a XXXX XXXX XXXX  account. This was paid off by XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, a law firm retained by the bank we were borrowing from. A letter closing the account was sent to XXXX XXXX as well as a check for {$600.00}. The check was cashed and returned as paid to XXXX XXXX. Since then XXXX XXXX XXXX turned this paid debt over for collection to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX who has retained Schreiber Law LLC XXXX XXXX XXXX XXXX XXXX. XXXX NH XXXX to collect this paid debt. I have made numerous phone calls and provided copies of a letter closing the account and copies of the payment check and record of deposit to XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and Schreiber Law with no success toward resolution and in fact receipt of a most uncooperative and evasive response. 
Account number available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00}

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 explanation
Consumer complaint received 2023-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and XXXX XXXX have reported balances on my report that were unauthorized by me. I never received d XXXX form requesting to use my information in any other way than to obtain the credit line I already secured through our contractual agreement. Therefore, I will need my balance reported to always reflect {$0.00} owed, as well as on time payments for the remainder of our business relationship.

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 2023-04-19 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: TX

Complaint narrative:
XXXX and XXXX XXXX have reported balances on my report that were unauthorized by me. I never received d XXXX form requesting to use my information in any other way than to obtain the credit line I already secured through our contractual agreement. Therefore, I will need my balance reported to always reflect {$0.00} owed, as well as on time payments for the remainder of our business relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am a XXXX XXXX woman. I have a credit score of about 740-780. On or about XX/XX/2023, I submitted a credit card for the XXXX XXXX Citi Card. It was denied under the pretense that my credit card privileges were restricted. In response to this denial letter, I called Citi Cards to inquire about this issue. I was informed there was a closed credit card that was opened under my name and was in a negative status. I requested verification of the account so I can take legal action to address the issue and I can re-apply for the Citi card. However, my requests to address the issues were ignored by multiple representatives, often some of them mocking my manly voice. After about 10-15 calls with different reps and about 2-3 hours of trying to resolve this issue, it became clear to me that Citi was not interested in resolving this alleged account that was opened under my name. I respectfully request your assistance in addressing this situation and the potential discriminatory application of internal credit card applications.

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 2023-04-19 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, has violated my rights. 

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 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 2023-04-19 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: NJ

Complaint narrative:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

I am deeply disturbed by their lack of respect for my private information ; This is an act of aggravated identity theft, as the courts have already stated that they do not release this information to credit agencies. 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Bankruptcy : # XXXX Bankruptcy : # XXXX Trans Union, XXXX, and XXXX have violated my rights. 

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 an 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 or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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: IL

Complaint narrative:
All concerning, I am writing to file a formal complaint regarding a Experian 's refusal to investigate a previous complaint that I submitted. I am extremely disappointed and concerned about the lack of action taken by the agency, despite the fact that the complaint was directly sent by me and was authorized by me alone. 

The complaint that I submitted contained important information about a situation that required immediate attention. However, Experian has failed to investigate the matter, which has caused further harm and distress to those involved. 

I would like to stress that the complaint that I submitted was done so under my own volition and with the intent of resolving a serious issue. I followed all of the necessary procedures and protocols in submitting the complaint and I was led to believe that it would be handled with the utmost care and attention. I included my rivers license and a utility bill to further support my legal identity and residence. 

It is unacceptable that Experian has refused to investigate the complaint despite my direct involvement and authorization. I strongly believe that it is the responsibility of Experian to thoroughly investigate all complaints and take appropriate action when necessary. I am relying on Experian to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards to ensure that all information in my credit report is accurate. Experian 's stall tactics are unwarranted, unethical and illegal. 

I am now seeking the assistance of the CFPB to ensure that this matter is thoroughly investigated and resolved. I urge you to take swift action in investigating the external agency and ensuring that appropriate measures are taken to prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. 

Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation