vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: WI

Complaint narrative:
US BANK XXXX XXXX XXXX XXXX Wisconsin. 
The XXXX day of XX/XX/2024 my debit card is declined. I called the XXXX # and they said your accounts are being closed, you will receive a check for the balance of your accounts. That was it, they wouldnt tell me why the accounts ( 4 ) were being closed but that a letter would be mailed. The letter that came didnt say anything either. Mind you, all of my money was in those accounts, they wouldnt let me have access to them. I couldnt pay my bills. I called and called, each time getting the run around when I would get my money because they did this to me, theyve ruined my life, its almost three months now and they are refusing to close the account oh yes, but will not give me my money. Thanks so much US bank, you took away my life, cant explain why and still wont give me my money. Now in addition to this, I had other checking accounts and bills went through them which cause them to be overdrawn but they refused to let me transfer money or deposit money into them because they were being closed. Now these checking account are charged off which has affected my credit greatly. All of this, I may never recover because the rolling domino effect of not being able to make other payments. Also, the credit card I had with them, they told me on that initial call that my accounts including my credit card would be paid with the funds remaining in my checking. They didnt do that and sent my credit card to collections with negative payments on my credit. 
At several times during this circus, US bank said I did not nor have I ever had an account with them. 
Just nuts. 

I talk to XXXX different people across the XXXX XXXX  system today. I went ahead and filed a police report as they have technically stolen my money whomever wants to laugh at that can but they took it and wont give it back. When I told the branch manager this today, all of the sudden she was able to contact the district manager and this whole things is over the money being deposited into my account.. they needed proof that it was from my business which is easy to provide. Im about to lose my car, Im about to be evicted all because of US bank. Im going to see what the police say, I hope I can find a lawyer that will take them for everything theyre worth and shut this bank down. If I am able to sue to them for millions or billions I will make sure this bank never has an opportunity to take away someones life again. Please, please, stop these people. 

Of note, I came across some information that this US bank on XXXX XXXX in XXXX Wisconsin is not properly identifying individuals opening an account and hundreds of thousands if not millions of cash deposits are being made each year from unknown origins.

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 2024-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted an ACH payment of {$2300.00} from my SoFi checking account to pay XXXX XXXX XXXX XXXX  for a security deposit on a rental home. The money was debited from my account the following Monday morning, XX/XX/XXXX. 

On XX/XX/XXXX, I was informed by XXXX XXXX XXXX XXXX that I did not qualify for the rental home and that I would be getting my {$2300.00} back but that it would take up to 30 days. 

After explaining to XXXX XXXX XXXX XXXX that waiting 30 days for my money back was unacceptable, because I needed the money to use towards another rental home before the end of XXXX when my current lease ends, they said they would try to get me the funds sooner than 30 days out. 

On Tuesday, XX/XX/XXXX, XXXX XXXX XXXX XXXX stated that the funds were finally showing as pending in their bank account and that the following day the funds should be available so I could come pick up a refund check. 

I received a call from Place To Be Properties on Wednesday  XX/XX/XXXX stating that the funds disappeared from their account and are not available. I immediately reached out to SoFi regarding this issue and they were adamant that the funds had been drafted from my account and were at the merchants account. 

I have filed disputes and have been provided with a trace # that has given me ZERO information. The merchants bank is XXXX XXXX and I gave them the trace # of my payment, they state they get absolutely no results with the number provided. 

My money is sitting in limbo somewhere and no one will give me any answers. I have talked to XXXX or XXXX different representatives from SoFi and they have all told me the only thing I can do is file a dispute and it would take XXXX business days for a response, but I have gotten a response from them within hours of each dispute and they give me the same answerthe trace # and then they close out the email conversation so I cant even respond asking for the documentation they state they have. I just want the money to either be returned to my account or sent to the merchants account so they can refund me directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting 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:
According to FCRA XXXX, I think we need to delete any incorrect accounts from my credit report. Could you check the paperwork? There are inaccuracies in the reported accounts, including amounts and dates.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
According to FCRA 605B, any incorrect accounts should be removed from my credit report. Could you review the documents? Some of the accounts listed have inaccuracies in the reporting, amounts, and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I appreciate your time to REMOVE some of the inaccurate personal information in my file that resulted from an incorrect credit reporting but I still have ITEMS left that needed to be removed. The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that the five ( 5 ) unauthorized inquiries listed were still reporting in my file. The unauthorized inquiries are listed below along with the inaccurate personal information : EXPERIAN : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-05-17 00:00:00
Product: Credit reporting 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've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting 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:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of human trafficking and I am dealing with a really aggressive case. I just received 3 notifications regarding things were added to my report that shouldnt be there. I attempted to dispute the information online but the portal no longer gives me an option to dispute. I made an error on the last CFPB complaint within the documentation so I am sending it again. Please advise that this is NOT a duplicated complaint. It is an updated complaint. The previous complaint should be disregarded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to formally lodge a complaint regarding Capital One Bank 's handling of my checking account and my wifes business account. Despite multiple attempts to resolve these issues through the banks customer service channels, I have been unable to access and use the funds in these accounts, causing significant financial hardship. 

Account Issues : Inaccessible Funds : I am unable to utilize the funds in my checking account via both the Capital One mobile app and website. This includes being unable to transfer funds, send money through XXXX, or conduct any other necessary banking transactions. 
Business Account Blocked : My wifes business account, which she relies on for her XXXX income, has also been blocked. This has prevented her from receiving payments for completed work, severely impacting her business operations and financial stability. 
Failed Resolution Attempts : Branch Visit : I personally visited a Capital One branch seeking a solution. The staff at the branch advised me to call the toll-free customer service number. 
Customer Service Calls : I have called the customer service number twice, detailing the issues each time. During my second call, I spoke with a representative named XXXX, who was not polite and did not resolve the issue. Instead, she strictly demanded the phone number of the person who wrote a check to me and stated that if I did not provide this phone number, she would not unlock the account. She indicated that this situation arose due to the most recent check deposited. I was then transferred to a XXXX named XXXX, who further insisted that I provide the phone number of XXXX XXXX  where the check originated. 
Despite these calls, the problem remains unresolved, and I have received no satisfactory explanation or resolution. 

The inability to access our funds is causing severe distress and financial disruption. We rely on these accounts for both personal and business expenses, and the current situation is causing significant harm. 

I am seeking your urgent assistance to : Investigate and Resolve the Issue : Ensure that Capital One unblocks and restores full access to both accounts immediately, including enabling all functionalities such as fund transfers and XXXX payments. 
Provide a Detailed Explanation : Obtain a thorough explanation from Capital One regarding why these issues occurred and assurances that they will not happen again. 
Compensate for Any Financial Losses : Ensure that any fees incurred or losses due to the inability to access our funds are promptly reimbursed. 
Failure to address this issue immediately will leave me no choice but to pursue further action to protect my financial interests. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this urgent issue. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting 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: CA

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 2024-05-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Recently received funding from a XXXX from Specialized Loan Servicing LLC. They are now owned by XXXX. Even though this is a line of credit, I was required to receive {$110000.00} at closing. I protested but was told I could immediately transfer it back and not be charged interest. After the closing, my account information was not shared for several days. I eventually managed to obtain my account information and sent the lender XXXX XXXX to reduce the balance of the account. That check was not cashed for over a week. 

I receive their first statement, the deposit of XXXX XXXX was reduced by {$1100.00} in interest. When I called the lender to dispute the charge, they indicated the interest charge was based upon a {$110000.00} balance rather than the current $ XXXX balance following my XXXX XXXX payment. 

When I asked for the interest charge to be based upon the XXXX XXXX  current balance, the customer service rep suddenly placed me on hold without saying anything first. After XXXX minutes, they hung up on me. 

The practice of maneuvering people like me into paying a large interest payment through delay and avoidance felt practiced when speaking to the customer service rep - something they commonly do it would appear. This can not be acceptable behavior for a lender, which is why I decided to involve your organization. I think they do this by design and avoid complaining customers in order to take their money. 


Thank you for your attention.

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 2024-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
RoundPoint Mortgage Servicing LLC is a XXXX  XXXX XXXX XXXX XXXX. They failed to keep my landlord insurance records correct on file. Despite me giving the 100 % proof of XXXX XXXX documentation to RoundPoint Mortgage company and getting their own department to confirm that is all they needed as documentation, I shockingly still keep getting paper mails where they are claiming I did not send the insurance information and they claim they purchased another insurance at my expense. 

My request is that my loan should not be serviced by a failed RoundPoint Mortgage company who has made my life very hard. I have to take time away from my job to keep calling them to fix their internal system records. So far I have done this three times. This is mentally traumatizing. I worked hard to pay for the monthly payments, timely provided all the documentations in XX/XX/year>. Yet, I am keep getting harassed from their insurance department. 

I am attaching two files : ( 1 ) XX/XX/XXXX, documentation sent with RoundPoint insurance dept on the call. ( XXXX ) XX/XX/XXXX letter with false claims issued again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX To whom this may concern, I am a victim of identity theft and have reached out to your company as well as the original creditor several times. I have done much research on consumers ' rights as well as contacted an attorney regarding this matter.

In accordance with the Fair Credit Reporting Act, The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A creditor 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. In accordance with the Fair Credit Reporting act, by rights have been blatantly violated. 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. 
I have no knowledge of these companies and they should not be reporting as I never gave permission for the reporting per Section 1681a : XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX account XXXX XXXX XXXX XXXX XXXX  opened XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  opened XXXX account : XXXX XXXX XXXX XXXX  opened XXXX account : XXXX XXXX  XXXXXXXX XXXX  opened XXXX account : XXXXXXXX XXXX XXXX  opened XXXX I am demanding that these fraudulent and unauthorized accounts are removed from my credit report. I have no knowledge of such accounts and also have not given written consent to report them per Section 1681a of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation