vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX my firm wrote out a check to a vendor for approximately {$36000.00}. 

On XX/XX/XXXX it was deposited into an account Truist Bank to an individual who was clearly not the payee. 

In XX/XX/XXXX the vendor notified us that their invoice was still open which prompted us to look up the image on our bank website and see that the check was not deposited by the vendor. 

We immediately alerted our bank and filled out the necessary paperwork and provided a police report. 

Our bank sent the paperwork to Truist Bank who has to this day has not responded to our bank. I called Truist 's fraud department and they told me that if we haven't heard back until now then we will never hear back from them. 

We need to recoup our lost funds asap.

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 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello, I was in a the market to shop for car and they pulled my credit from few different lenders without disclosing it with me. 
I tried to dispute it with XXXX, Experian and XXXX and i did not get a proper respond. I'm very upset that those hard inquires is going to be on my credit repots which I did not allowed it. I would appreciate it if we could get those removed. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
Good morning, I took out a pay day loan with a company called Bright Lending out of Montana which isXX/XX/XXXX owned for {$500.00} but with all the interest it climbed to {$1800.00}. When I took this loan out I was financially stable but that quickly turned around and I had to ask for a hardship settlement. When I contacted there company with my circumstances they turned me over to a collection company who did allow me to set up a payment plan with me only owing {$910.00}. Today I called the collection company XXXX XXXX to find out why they didn't take my payment and I was told to contact Bright Lending that they no longer was handling my account. I don't understand how you can set up a payment plan with me then not honor it. I feel like I was scammed but then again not because they did lend me {$500.00}. Please advise what I need to do in this situation. 
Thank you XXXX XXXX XX/XX/XXXX # XXXX Bright Lending- XXXX Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXX XX/XX/XXXXdaughter PLEASE HELP ME PLEASE imXX/XX/XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
An unauthorized credit inquiry was mad on XXXX by Capital Once 3 times so far on XXXX. 

Location XXXX CAPITAL ONE XXXX, VA XXXX Phone ( XXXX ) XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022 Additionally, another was made on XXXX with XXXX XXXX XXXX and their automated message system automatically goes to unauthorized credit inquiries as if this was intentional or expected? 

Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Requested On XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: NC

Complaint narrative:
On XX/XX/2022, I submitted a dispute to Equifax, XXXX, and XXXX about some accounts that did not look right on my credit report. According to the FCRA, the bureaus must be able to provide the original documentation, we requested, for any and all accounts listed within 30 days. I requested that documentation and did not receive the method of verification within that time frame. 

I then sent a reinvestigation request on XX/XX/2022, to provide them a second opportunity to provide me with the method of verification, and still nothing has been received. 

At this time all three bureaus are in violation of the FCRA and I am filing this formal complaint with the CFPB. The accounts and reason for the investigation are listed below. 

XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXXXXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: NC

Complaint narrative:
On XX/XX/2022, I submitted a dispute to XXXX, XXXX, and Experian about some accounts that did not look right on my credit report. According to the FCRA, the bureaus must be able to provide the original documentation, we requested, for any and all accounts listed within 30 days. I requested that documentation and did not receive the method of verification within that time frame. 

I then sent a reinvestigation request on XX/XX/2022, to provide them a second opportunity to provide me with the method of verification, and still nothing has been received. 

At this time all three bureaus are in violation of the FCRA and I am filing this formal complaint with the CFPB. The accounts and reason for the investigation are listed below. 

XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX  XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile.

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 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I discovered check fraud on my checking account on XX/XX/22. The next business day, Tuesday the XXXX, I contacted Citizens Bank by phone to report the fraud. At the time, there were two checks which the amounts and payees were changed, one for {$1500.00} & the other for {$1800.00}.

The Bank explained that they would investigate. In the meantime, the account was changed to credit-only and I was asked to open a new checking account. The representative also told us that we would be receiving a provisional credit which after multiple calls and " expedited requests '' they filed for me, I have yet to receive. 

On XX/XX/22, a 'Declaration of unauthorized Endorsement - Altered '' form was mailed to the house. It was promptly filled out and returned on XX/XX/22. 

It has been over a month since initial contact. I've called multiple times to inquire about the investigation and also visited my local Branch. They aren't allowed to give me information and tell me that someone will call me back in two business day, yet I never receive a callback. Worst of all they continue to tie up {$3300.00} without a provisional credit. For checks that were clearly doctored, this process has taken longer than expected without regard for a senior citizen 's funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
Joint checking account held by wife and self with XXXX which became SunTrust for over 32 years. In XX/XX/2021 Truist bank emailed us to say they would be taking over SunTrust, not to worry, we need do nothing, as they would take care of everything. We heard nothing more by mail or email. We discovered our debit cards had been cancelled when they were declined whilst we were on. US based cruise ship! Not only that, when we contacted Truist online, our account had been changed from a few free account to one that required monthly payment if balance dipped below a certain level - Worse than that is the fact that they have removed my wifes name from the account. We were told she had to register to be included on account! But the firm online discriminated against overseas clients, as it will not proceed without a zip code, which we do not have. We have called repeatedly, racking up telephone bills of over {$60.00} - to no avail. We have emailed, and literally spent hours on online chats, again to no avail. We do not have any trust in Truist, and now simply want to close the account and transfer our funds to a XXXX Bank, which is where we reside. We have hit a brick wall!! We wanted an immediate bank to bank transfer- told not possible, call into your local branch!!!! In the XXXX??? Asked for wire transfer, now on third impotent call and on online chat getting nowhere!!!

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 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I HAVE NEVER BEEN 30 DAYS LATE, ON A PAYMENT, AS MILESTONE ( CREDIT CARD ) IS REPORTING. I HAVE REVIEWED MY PAST PAYMENTS, AND NONE WERE 30 DAYS LATE. FOR INSTANCE, MILESTONE IS STATING THAT MY XX/XX/2022 PAYMENT WAS 30 DAYS LATE ; I MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$60.00}. I ALSO MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$120.00}. MY XXXX PAYMENT WAS DUE ON XX/XX/XXXX. THE XX/XX/XXXX PAYMENT PAID THE PAYMENT DUE ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was approved for a Capital One Union Plus card on XX/XX/22 and have the approval letter as proof. I still haven't received my card after 4 months and several calls to Capitol One ( XX/XX/22, XX/XX/22 and again today on XX/XX/22 ). They say its a known issue and they are working on it, but can not tell me what the issue is or when this will be resolved. I've patiently given them 4 months to rectify the issue and haven't received a letter or call informing me of the reason for the delay. All I want is my card I applied for and need assistance since I keep getting the run-around from them. Also, the card came with a 15 month intro APR which I would like for them to honor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: AL

Complaint narrative:
I have been disputing this information for years that certain accounts do not belong to me. The credit reporting agencies and the collecton agencies seem to verify the information within hours! This was originally reported as Identity Theft back in 2017, the person involved went to prison over this. Yet, the accounts still sit on all of my reports. I have since filed an updated report with the FTC. 

I have written to all three credit reporting agencies, provided documentation beyond the necessary limits and yet they never remove the information, nor do they acknowledge that they receieved anything from me. 

I have tried to upload documents through their dispute process but the system is always " unavailable '' and just won't upload even the smallest PDF.

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 2022-07-05 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: AL

Complaint narrative:
I have been disputing this information for years that certain accounts do not belong to me. The credit reporting agencies and the collecton agencies seem to verify the information within hours! This was originally reported as Identity Theft back in 2017, the person involved went to prison over this. Yet, the accounts still sit on all of my reports. I have since filed an updated report with the FTC. 

I have written to all three credit reporting agencies, provided documentation beyond the necessary limits and yet they never remove the information, nor do they acknowledge that they receieved anything from me. 

I have tried to upload documents through their dispute process but the system is always " unavailable '' and just won't upload even the smallest PDF.

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 2022-07-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
l have a new last name, new phone number and new address, credit reports are still showing old information

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 2022-07-05 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts, 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 DEPT OF ED / XXXX A ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount : XXXX XXXX XXXX  Account XXXX XXXXAmount XXXX {$11000.00} /Charged Off XXXX XXXX XXXX  XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXX XXXX XXXX  Amount $ XXXX Account XXXX XXXX Closed XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXX-Closed -Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts, 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 DEPT OF ED / XXXX A ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount : XXXX  XXXX XXXX Account XXXX XXXXAmount XXXX {$11000.00} /Charged Off XXXX XXXX XXXX XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXXXXXX XXXX XXXX/ Amount $ XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXX-Closed -Account # XXXX

Company response to consumer: Closed with explanation