vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-27 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:
Ive sent numerous documents proving that the incorrect account werent mines due to fraud. And theyve repeatedly ignored my claims and my request to have those incorrect items remove. Ive also included a police report backing up my claims and theyve continued to ignore me and not follow the proper protocols.

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 2022-10-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2020 {$11000.00} was paid to XXXX from my Truist ( formerly SunTrust ) savings account ( pmt XXXX XXXX POS XXXX. ) I have never had an account of any kind with XXXX and did not authorize anyone to act on my behalf. 

I reached out to Truist and they indicated I would need to reach out to XXXX since the request originated with them. I reached out to XXXX but they wouldn't talk to me because I don't have an account with them. I'm caught in the middle. I was back and forth with Truist for over a year with no resolution. 

I thought under Reg E there would be a provisional credit. That never happened and after XXXX  days without it being resolved the provision credit was never made permanent. 

I would like all parties to come together and talk and then I would like my money deposited back into my account. 

Case number with SunTrust : XXXX Acct number ending : XXXX This is written for my by my daughter, XXXX XXXX XXXX I can give more detail as needed. 

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 2022-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Good evening, On XX/XX/2022 between XXXX and XXXX I received a series of XXXX calls from XXXX XXXX that I attempted to answer more than once and also received a voicemail at XXXX asking me to call same number at extension XXXX. I called back and was transferred to XXXX XXXX at XXXX XXXX XXXX who asked me to verify the last 4digits of my SSN without advising me of the purpose of her call. Once I requested the reason for the call she advised me that it was regarding a debt from XXXX or XXXX on behalf of Comenity bank. I advised her that I had no idea who XXXX or XXXX XXXX was and that I needed a report of the charges from the original creditor to verify. 

I can be reached at XXXX XXXX or by email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On Thursday XX/XX/2022 I received an text message stating that a company located in Michigan was interest in hiring me for a " remote job ''. I quickly responded yes, and an online chat interview was scheduled for that morning. After a lengthy chat, I was told that they would send me funds for office supplies ( computer, desk, fax machine, etc. ). I received the checks totaling {$4700.00}. I used the Bank of The West app on my phone to deposit the checks. Only {$400.00} settled right away. I was told by the person I was chatting with to send the {$400.00} to a " vendor '' for company issued supplies. At the time, I only had around {$450.00} in my account. I had been in an automobile accident two weeks before, 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, I jumped at the chance for a job that I could XXXX XXXX XXXX I had not heard about this scam. Since I was, and still am, inundated with phone calls and email from my insurance and attorney, I decided to open a second account and put the funds from those checks in there so I didn't have any bills pull from those funds until I could go to the bank and make sense of what was going on. I thought something wasn't right, that's why I didn't send anymore money to anyone with those funds. The following Monday ( could have been Tuesday ) I noticed that the funds were being pulled from my account. That's pretty much what I had expected. Then I find out that my account is being closed. I went to the bank and they told me that not only would they not refund my {$400.00}, they were closing my account and I am not able to bank with them anymore. So, now I have no car, no job, roughly {$50.00} out of the {$450.00} that I had left in my account, and no bank. Initially I was told that I wouldn't receive the {$50.00} either if the funds that were taken out from the check didn't cover it. Because I didn't ( and never intended to ) use any of the money from the checks, I got my {$50.00} back. I tried to appeal to Bank of The West to get my {$400.00} back, but they flatly refused. I really need that money to survive. My naivety cost me almost all of what I had in the bank. I complained to the bank on a customer survey, but I know that will just end up in the XXXX XXXX XXXX XXXX  ( garbage ). They gave me the option to have them call me, but I know they won't. They don't have the integrity to do so. DON'T BANK WITH BANK OF THE WEST!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: OH

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States i Have The Right To Privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

15 U.S.C 1681 A ( I ) states a report should only contain information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666 ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This company and account have been going against my rights and violation as a consumer under the fair credit reporting act this is unconstitutional. I have rights and XXXX XXXX has violated them all they sold my information to a third party reporting agencies without consent and I am being harassed and denied by banks and extension of credit for this detrimental and defamation of character being falsely reported to my credit report I ask that this account be investigated and corrected please send me a report with updated 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 2022-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
Dear THE BUREAUS, I am contacting you regarding The Bureaus collection account reported to my credit reports. Please note, I do not have any responsibility for the debt youre trying to collect or its been more than 7 years since the original delinquency date, in which case your account should not be listed on my report. If you have good reason to believe that I am responsible for this debt or 7 years have not yet passed since the original delinquency date please supply the information regarding my debt and original delinquency date so that I have all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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:
I reported a suspicious account opening involving my personal information to the appropriate Experian, XXXX, and XXXX personnel on XX/XX/XXXX I begged everyone to delete these accounts since I had no idea how they got there. All three companies gave me advice on how to keep track of things and fill out an FTC form. I submitted my information on XX/XX/XXXX. Even though I had sent my letters more than 30 days ago, the accounts that weren't mine were still mentioned in my paperwork since they had been " verified. '' This is a problem that terrifies and bothers me since it hinders my family and I from purchasing a home. I contacted the three companies again on XX/XX/XXXX to ask how they could confirm that these accounts belong to me. They said there was nothing they could do to help me and that I had to speak directly to the debt collectors. The customer called the wrong bank and left a message ; they don't know who I am or what kind of account they are talking about. Just to be sure not to be mistaken, I searched the internet. My friends recommended me to visit the CFPB website. Me and my family can't wait to find the home we're looking for, so I thought it would work.

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 2022-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I mailed a dispute letter to TransUnion. They mailed me a letter suggesting I didnt mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent this letter

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 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/22 I received an email from capital one stating : Dear XXXX, We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance- plus all interest earned- will be transferred to your linked external checking account.

Questions? Give us a call at XXXX We're available Monday-Friday XXXX XXXX XXXX XXXX

Thanks, Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color religion, national origin, sex, marital status, age ( with certain exceptions ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, Washington DC XXXX. 


I received no communication in regards to what was going on. When I called the bank multiple times, they stated I had fraudulent deposits into my account from XXXX XXXX. I requested to know which deposits were deemed fraudulent and they neglected to provide any information. All that capital one stated was that they had the right to close the account without warning. 

I work and have a reasonable job for a management company to be accused of fraudulent activities. 

This is the only financial bank that I have and do not have any other checkings or savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have recently filed a complaint with you about my name isn't right on my Equifax credit report. The response from them was it was corrected. That's not true. Because it's still wrong on my XXXX XXXX 2022, credit report. Thid refusal of not correcting my name on my report is doing damage to my credit, my name and it's making difficult to obtain funding for the mortgage that I'm trying to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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 — Problem with personal statement of dispute
Company: Lawson Hamilton & Associates
State: IL

Complaint narrative:
I contacted XXXX and XXXX to the validate a medical debt that was on my credit report. I sent both companies certified letters requesting them to do so and they failed to send me any documents to show validation of this debt. I asked them to please remove the debt because this is a violation of hippa law and they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
My Vehicle was involved in an accident back in XXXX of XXXX while the car was in the shop getting repaired we had a rental car for 30 days that was covered by the insurance company. 
we were advised by the repair shop, that the repairs were delayed due to XXXX 's delay in sending the necessary parts to the repair shop. I contacted XXXX to expedite the parts but they didn't. the car spent over 4 months in the shop and I was forced to keep my rental car as I have XXXX kids and job I have to get to and not having a car was not an option. 
I spoke with XXXX XXXX XXXX for a reimbursement of the rental fee which they said they would do. they asked me for the pertinent paperwork and I submitted all the necessary paperwork right away, the paperwork showed the XXXX invoices from the car rental company, the credit card statements reflecting I paid for the rental out of pocket. 
I also submitted a XXXX per XXXX 's request when they told me they were going to reimburse me for the XXXX invoices. 
months later when I called to follow up since I did not receive payment I was advised that the claim was denied. then that I had a free will but only for partial payment. in XXXX of XXXX ( 9 months after the initial claim was made ) I received a check for only XXXX of the invoices I submitted, conveniently, the lowest of the XXXX invoices. 
I have been calling XXXX every week for the past XXXX weeks and they keep telling me they are escalating the case but I never receive a call or an e-mail. in addition they tell me that there is a " good will '' on my account and I should be getting the reimbursement in a few weeks, then I call again and they don't have a record of that conversation. This is absurd! a company like XXXX XXXX should be more responsible with their consumers and clear with their message. I am {$2100.00} in debt with my credit card for charges that were accrued because of XXXX 's inability to provide parts. 
I need someone to help me make mw whole as I still believe XXXX should reimburse me for this. I have spent countless hours on the phone with them with a different story every time I talk to them. I feel cheated and abused!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
I have called numerous times complaining about high monthly payments at least 5 times since last XXXX as I am still currently in school. They said there was nothing they could do. On months when I make a payment late, they call over 20 times a day often 5 times in a row during the work day or very early morning. I have told them to stop calling and then they call right back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a payment by electronic check to the bank I use for my auto loan and they sent an email stating there was an error and the payment could not be processed. I processed another payment by debit card. Soon after, they withdrew my checking account that I initially used. I disputed the transaction with my bank after I tried to let them know it was a payment that wasnt supposed to go through. Both payments were reversed and the company is reporting my account incorrectly. Ive tried to ask for leniency because Im getting my credit back on track.

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 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a payment by electronic check to the bank I use for my auto loan and they sent an email stating there was an error and the payment could not be processed. I processed another payment by debit card. Soon after, they withdrew my checking account that I initially used. I disputed the transaction with my bank after I tried to let them know it was a payment that wasnt supposed to go through. Both payments were reversed and the company is reporting my account incorrectly. Ive tried to ask for leniency because Im getting my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a payment by electronic check to the bank I use for my auto loan and they sent an email stating there was an error and the payment could not be processed. I processed another payment by debit card. Soon after, they withdrew my checking account that I initially used. I disputed the transaction with my bank after I tried to let them know it was a payment that wasnt supposed to go through. Both payments were reversed and the company is reporting my account incorrectly. Ive tried to ask for leniency because Im getting my credit back on track.

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 2022-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AK

Complaint narrative:
In XXXX of XXXX  I refinanced my home with XXXX XXXX. 
The amt is XXXX with a monthly payment of XXXX for 10 years. 
About a month ago i realized that there were no payments being taken out of my investment banking account. I contacted american financing and they sold the loan to nationstar in texas. I contacted nationstar mortgage, which is mr. cooper loan comp, only to find out that all the letters pertaining to the transfer and payments they sent to me were returned to nationstar. 
I learned also in that phone call nationstar put my home into foreclosure > I was shocked as i have excellent credit, I definitely have enough money to cover payments, My home is worth XXXX XXXX plus and i was never contacted by either company about a foreclosure. I learned that nationstar had the wrong address for me, they never had a phone number or e-mail on file for me, and therfore simply said we can reinstate the loan if you pay all the previous months payments, which i will gladly do but my credit score is compromised and i have to pay XXXX in forclosure fees. 
Wanted to know if a compaany can just forclose on a loan like this without even contacting me. I found out that american financing also had my physical and mailing addresses, which are not the same mixed up. I find it odd that they could potentially get XXXX XXXX from my home just because they did not even try to get an e-mail or phone nu for me. thank you

Company response to consumer: Closed with explanation