vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good Afternoon, Truist accepted these checks without the correct endorsements,

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 2022-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
Wakefield & Associates trying to collect a debt for XXXX XXXX. Debt is inaccurate ; we met our family deductible at the beginning of 2021 because my daughter has juvenile XXXX XXXX and as such, we hit both the individual and family deductible within the first 60-90 days of every year. Despite repeatedly sending info to XXXX, Wakefield and XXXX XXXX, Wakefield attached this to my credit report. I am also not the responsible party for this debt ; that belongs to XXXX XXXX as the account holder for the health insurance, but regardless, the debt is not owed because health insurance covers it. In addition to the collection, they are also reporting that I have made a payment on the account in credit collections, which no payment has been made ever to them. This needs to be removed from my account because it is impacting my credit by XXXX points and causing other card companies to reduce my credit lines. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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:
Bureaus reporting inaccurate 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 non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Bureaus reporting inaccurate 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 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I'm getting repeated phone calls many times a month from this debt collector ( Transworld Systems Inc ) even after we have made payment arrangements to pay once a month. They always call even after I make a payment and continuously harrass us for more money. If I don't answer the phone I will get multiple voicemails. I want them to stop calling me altogether and allow me to pay the debt without being grilled and harrassed on when I'm making the next payment. They don't even wait a full 30 days from the last payment before they start calling for the next one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
XXXX Purchase of shed, was returned and refunded. Purchase was made with AFFIRM, when it arrived, noticed it was too small. RETURN WAS REQUESTED IMMEDIATELY. Item returned. NO refund, AFFIRM keeps billing me. contacted both companies multiple timesXXXX keeps saying check your bank and I keep telling them I purchased with affirm, through their website. AFFIRM says XXXX never sent refund to them. I finally spoke with someone at AFFIRM who confirmed they received refund from XXXX. They never fixed the account or stopped billing me. Never sent back what I already paid. ITS been 6 months now, I am still paying through affirm for something I returned immediately. neither company has a number to call to actually talk to someone who can help. I have to keep inquiring online. 

Getting the run around with affirm. was on the phone with them, they confirmed they could cancel, never received any refund for what I paid so far, they keep charging me the next installment. I keep contacting them and then the next person I get tells me they never got refund from XXXX and I need to keep making payments. There is no good number, no custumer solutions, and I am being charged further installments and interest for an item I returned immediately,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This corrupt company purchased the debt from an old creditor and continue to report it to the credit reporting agencies as a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Re : Pentagon Federal Credit Union Accounts Frozen XXXX XXXX Member number XXXX Routing XXXX Checking Account XXXX Saving Account XXXX I sent money through XXXX XXXX to my pentagon Federal XXXX Account. The money was charged to my XXXX XXXX XXXX XXXX XXXX. 
My husband, XXXX XXXX, sent money through XXXX XXXX to my Pentagon Federal checking account. The money was charged to the same XXXX XXXX XXXX XXXX account ( authorized user so the same account ). 
Money was used to pay XXXX XXXX XXXX XXXX XXXX and one transfer to fund my account with XXXX XXXX. Pentagon Federal froze the account on XX/XX/2002 and I have asked repeatedly to talk with anyone in their security/fraud department to resolve the issue but those requests were denied. I was told the accounts were permanently frozen and that was all. Attached you will find a log of conversations as well as an accounting of all transactions, screenshots of the XXXX XXXX Transactions, and screenshots of XXXX XXXX XXXX XXXX XXXX to document all of the transactions showing that the money was not fraudulently acquired. Note : there is not a statement from Pentagon Federal Credit Union because they have frozen the account and have not provided a statement as requested. Additionally, Pentagon Federal Credit Union rejected XXXX transfers for a total of {$3900.00} but those transactions were completed and recorded by both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. By rejecting money that had been transferred, they have essentially stolen {$3900.00} from me. As shown in the screenshots of the XXXX XXXX XXXX XXXX XXXX account, I still owe that amount to XXXX XXXX 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
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Please refer CFPB Case # XXXX. I was told that once i met the conditions around XXXX XXXX 2022 cash back bonus of {$350.00} will be applied. After 12 days-it 's not been done. When i sent secure email via account on XXXX XXXX 2022, i was asked to call a toll free #. Called on that # on XXXX XXXX 2022, that # stated ... to get call back within 15-30 minutes, provide your number-which i did but no response. 
whom i am XXXX Finally somebody called ( XXXX ) at around XXXX pm XXXX time onwards and after long hold/wait - I was told that they will call me tomorrow with an update. I feel like I need to keep on asking them to provide my legitimate cash back bonus until I get that.

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 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XXXX I opened an online checking account with Truist. I then went into the branch to deposit {$15000.00} cash into my bank account. On XXXX my account was closed by truist with no notice or reason. I didnt find out until a week later when I tried making a payment from the account and it came back as insufficient funds. I went into the branch on XX/XX/XXXX and they informed me they had no idea why this horned but they showed my account had been blocked. They told me it would be fixed in 2-3 business days. On XX/XX/XXXX, I finally received a letter from Truist stating my account was closed and that they reserved the right to close account at their will. Today, XX/XX/XXXX I received an email from Truist saying I have a new account now opened and that it has a XXXX balance. I have no idea where my {$15000.00} is, no idea why my account was closed, they didnt fix my problem- they simply opened a new account in my name without my permission.

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 2022-05-16 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
they sent me an email staring in XXXX every XXXX u spend on gas you are supposed to get a XXXX once per month the email states once every month I spend my XXXX XXXX and I still don't have my credit on there yet this is reAlly ridiclous I tried to fight with this with Wells Fargo cooperate offices and no has any idea of whats going on with it and they are just making long time frames of how long it will take the email states once a month and they just making excuses on my 1st complaint XXXX XXXX XXXX closed out my case with the wrong information on an issue I wasn't even complaining about I am getting really upset and want my credits on there 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 2022-05-16 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: TX

Complaint narrative:
I disputed the information accuracy with the credit bureaus in regards to the accounts that are being furnished from XXXX XXXX Bank. I received notice from XXXX XXXX Bank and XXXX, XXXX, and TransUnion that the information was indeed accurate. 

I recently received a notice electronically that shows the information is still inaccurate and I'm now challenging the validity of the debt in question, since I have never lived in the state of New York. The notice is addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2022-05-16 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: TX

Complaint narrative:
I disputed the information accuracy with the credit bureaus in regards to the accounts that are being furnished from XXXX XXXX Bank. I received notice from XXXX XXXX Bank and XXXX, Equifax, and XXXX that the information was indeed accurate. 

I recently received a notice electronically that shows the information is still inaccurate and I'm now challenging the validity of the debt in question, since I have never lived in the state of New York. The notice is addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am in disagreement with the information XXXX  reported on XX/XX/XXXX to the credit bureaus ( XXXX, XXXX XXXX TransUnion ) which still appear on my credit report, even after XXXX re-investigation about the dispute of late payments XXXX reported. XXXX XXXX then proceeded to change the entire account from included in bankruptcy XXXX XXXX on XX/XX/XXXX discharged on XX/XX/XXXX which is factual to C/O XX/XX/XXXX and included from XX/XX/XXXX thru XX/XX/XXXX in my payment history C/O repeatedly which is false. This loan was discharged back on XX/XX/XXXX I have ask over the last 3 years for XXXX o fix this issue and please provide me with any documents that XXXX obtain and its origin to process such information that over turned my XXXX..WFS is aware this loan had being included in XXXX WFS had it listed on my credit report as so then on XX/XX/XXXX they updated the acct to CHARGED OFF C/O ACCT withe {$10000.00} in BAD debt after serval times over the years disputing late payment reported on my acct after XXXX that should have been there also has acct listed as individual when in fact it was a joint loan ... my main concern is how did XXXX was able to give a debt after the federal courts release me from debt how/when did they get this XXXX over turned.

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 2022-05-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am in disagreement with the information XXXX  reported on XX/XX/XXXX to the credit bureaus ( Equifax, XXXX XXXX XXXX ) which still appear on my credit report, even after XXXX re-investigation about the dispute of late payments XXXX reported. XXXX XXXX then proceeded to change the entire account from included in bankruptcy XXXX XXXX on XX/XX/XXXX discharged on XX/XX/XXXX which is factual to C/O XX/XX/XXXX and included from XX/XX/XXXX thru XX/XX/XXXX in my payment history C/O repeatedly which is false. This loan was discharged back on XX/XX/XXXX I have ask over the last 3 years for XXXX  o fix this issue and please provide me with any documents that XXXX obtain and its origin to process such information that over turned my XXXXWFS is aware this loan had being included in XXXX WFS had it listed on my credit report as so then on XX/XX/XXXX they updated the acct to CHARGED OFF C/O ACCT withe {$10000.00} in BAD debt after serval times over the years disputing late payment reported on my acct after XXXX that should have been there also has acct listed as individual when in fact it was a joint loan ... my main concern is how did XXXX was able to give a debt after the federal courts release me from debt how/when did they get this XXXX over turned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: IL

Complaint narrative:
I am in disagreement with the information XXXX reported on XX/XX/XXXX to the credit bureaus ( XXXX, Experian XXXX XXXX ) which still appear on my credit report, even after XXXX re-investigation about the dispute of late payments XXXX reported. XXXX XXXX then proceeded to change the entire account from included in bankruptcy XXXX XXXX on XX/XX/XXXX discharged on XX/XX/XXXX which is factual to C/O XX/XX/XXXX and included from XX/XX/XXXX thru XX/XX/XXXX in my payment history C/O repeatedly which is false. This loan was discharged back on XX/XX/XXXX I have ask over the last 3 years for XXXX o fix this issue and please provide me with any documents that XXXX obtain and its origin to process such information that over turned my XXXXWFS is aware this loan had being included in XXXX WFS had it listed on my credit report as so then on XX/XX/XXXX they updated the acct to CHARGED OFF C/O ACCT withe {$10000.00} in BAD debt after serval times over the years disputing late payment reported on my acct after XXXX that should have been there also has acct listed as individual when in fact it was a joint loan ... my main concern is how did XXXX was able to give a debt after the federal courts release me from debt how/when did they get this XXXX over turned.

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 2022-05-16 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: TX

Complaint narrative:
I'm requesting the following accounts be verified properly or deleted immediately, because the account type, date opened, status date, balance updated. Also the creditor name, phone number, addresses and names are all not matching on my credit report which is confusing if this information is suppose to accurately be verified and reporting correctly. I sent multiple letters over the course of 1 year requesting the details below. My Last letter was sent off on XX/XX/2022. I asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX ( TRANSUNION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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 non-monetary relief