vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 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: NY

Complaint narrative:
USING XXXX DISCRIMINATORY AND REDLINING PRACTICES TO HIGHLIGHT NEGATIVE AND DEROGATORY INSTANCES IN ORDER TO ASSURE THAT CREDIT DENIAL IS THE OUTCOME FROM BANK AND LENDING INSTITUTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Ive been with Truist for 6 months, over this time, I have been a victim of bank fraud. My situations go from being double charge to every merchant I have bought from for an entire week, cash and check deposits not reflecting on my balance AT ALL, my balance constantly changing despite not using my account, and my debit card being declined despite having money in my account. 

I lost my job of 10 years this last XXXX and we have been cutting things extremely tight because my savings from another branch is what me and my family have been living on. Thankfully, I received an amazing job offer and started working last week. I have been pinching pennies to get to work for gas seeing that I live XXXX miles away from my job. I went to bed last night ( XX/XX/2022 ) and had {$170.00} in my bank account. When I woke up this morning ( XX/XX/2022 ), there was only {$91.00} there. When I called Truist, they told me that my balance was never {$170.00} and implied that I was lying. I look at my account obsessively, especially since I havent been working as usual. I just dont understand how almost {$100.00} can go missing and no trace of it be left. This happens to me repeatedly. Whats odd is that when I had over {$3000.00} in my account, my account was never tampered with. But now that Im rebuilding, its constantly gone and Im not believed because Im looked at as broke. I bring in almost {$5000.00} a month, I will NOT be broke for long and my life will be back on track. This is an evil thing to do to a single mother with XXXX kids. I want my money back that keeps disappearing and then I will be removing my assets and changing financial institutions. I need an advocate because everyone at this bank looks at me like Im lying. Why would I lie over {$80.00}?? Wouldnt t

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 2022-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: INTERNATIONAL BANCSHARES CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022 I went to the ATM machine to check on my balance and I got a slip with a positive balance of {$1.00} and change... So since I got a positive balance slip I decided to get my overdraft courtesy of {$500.00} dollars and then I got a negative balance slip which I understand plus a fee of {$35.00} of which I understand but what I don't understand is why I got XXXX more overdraft fees the next day If I thot all my transactions were paid since I got a positive slip and also in my PC online banking gave me a positive balance. And this has been going on for XXXX I have been a loyal customer for years The response I get from XXXX is we can only help you with XXXX XXXX fee every XXXX XXXX Thanks

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act 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 a 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 2022-06-25 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 accounts 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.CC 1681 SECTION 604 A Section 2 it also states a consumer reporting agency can not furnish a 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
Consumer complaint received 2022-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
During the modification process, I requested additional documentation regarding the amount of the loan. The lender increased my loan by {$12000.00} when I modified my loan. I requested an itemized payment schedule and a breakdown of cost. Both requests remain unresolved. I was told if I didn't like the terms pay the loan in full. The loan is more than I paid for the house and wanted additional information to make an inform decision. I had no choice to accept the terms however, the process and the lack of documentation is unfair. Loancare should provide not take advantage of individuals during XXXX. I'm making the payments on time however, the additional cost of should not be included on my new terms.

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 2022-06-25 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, account numbers : XXXX. ) XXXX XXXX. ) XXXX XXXX. ) XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I was the victim of Identity theft and had several accounts opened or attempted to be opened in my name using my personal identifying information. I have since added fraud alerts to my credit reports with XXXX, XXXX and XXXX as well as filed an identity theft report with the Federal Trade Commission. The accounts in question have been removed from my credit reports by the original creditor XXXX and XXXX yet the collection agency LVNV Funding XXXX Resurgent Capital Services is still attempting to collect on them despite my repeated attempts to resolve this matter. I have since disputed the accounts with the three credit bureaus and explained the situation and included Identity Theft affidavits as well as letters received from the original creditors. Yet, LVNV Funding is still trying to collect on accounts that were fraudulently opened. I need this matter resolved asap or I will pursue legal action for damages against LVNV XXXX Resurgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: NY

Complaint narrative:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX OF XXXX XXXX Date Opened : XX/XX/2015 Balance Owed : {$550.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: NY

Complaint narrative:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2015 XXXX XXXX : {$23000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, account numbers : 1. ) XXXX 2. ) XXXX 3. ) XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-25 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: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act 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 a 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 2022-06-25 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: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc.
State: MD

Complaint narrative:
I applied for the SoFi credit card in XXXX of 2022 with a promotional offer of spend {$1500.00} and get XXXX points. I completed the minimum spend requirements before the month of XXXX was over and never received my bonus points. Now, when I called in to fix the issue they are telling me I also have to fund my investment account and checking account with them ( basically, describing a different offer than what I signed up with ). They told me over and over again that the algorithm would give me the points when I completed the requirements. I continued to let them know I completed the requirements and did not receive the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian AND XXXX are both reporting completely different filing dates, closing dates and court names for chapter 13 bankruptcy on my credit report. I have called to both of these companies to report this issue, but it has not been successful. They told me that the information was accurate and the information came from the courts, which I know my rights and know thats a lie. The courts DO NOT report or confirm these public records with the credit bureaus. I have asked for this public record to be removed from both bureaus due to the inaccuracies, but it has not yet been removed. These are inaccurate, in addition to, damaging my credit score further. These are the inaccuracies as follows : Filing date : Experian- XX/XX/XXXX XXXX  XX/XX/XXXX Closing date : Experian- XX/XX/XXXX XXXX Court name XXXX Experian- US BKPT XXXX TN XXXX XXXX FEDERAL 15 usc 1681n Civil liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I would love to see this issue resolved immediately please and thank you so very much.

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 2022-06-25 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: NY

Complaint narrative:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance Owed : {$23000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: NY

Complaint narrative:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance Owed : {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: NY

Complaint narrative:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance Owed : {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: NY

Complaint narrative:
XXXX XXXX XXXX account XXXX Creditors in the United States must charge-off revolving credit accounts after 180 days, while installment loans must be charged-off after 120 days of delinquency. Section 166 of the Internal Revenue Code requires such declarations to support tax deductions for bad debts. My payment history was 100 % and then was immediately charged off without any notice. On top of this, XXXX XXXX is reporting a charge off amount that was covered in my XXXX insurance. Third, XXXX XXXX has been reporting the account as past due after the charge off. 

I have asked the credit bureaus to do a proper investigation yet all the inaccuracies still appear on my credit report after they " investigated '' These are serious legal violations.

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 2022-06-25 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: NY

Complaint narrative:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XXXXBalance Owed : {$730.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells fargo bank closed my checking account for no reason on the XXXX of XX/XX/2022. I have an available balance of over {$11000.00} that was left in the account. I was told a cashiers check of the balance will be mailed out to me upon closure. However the bank have turned around and kept my funds without Justification. This is illegal and and unjust and i want no further relationship with wells fargo .I simply want the balnce of my funds

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 2022-06-25 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: NY

Complaint narrative:
XXXX XXXX XXXX account XXXX Creditors in the United States must charge-off revolving credit accounts after 180 days, while installment loans must be charged-off after 120 days of delinquency. Section 166 of the Internal Revenue Code requires such declarations to support tax deductions for bad debts. My payment history was 100 % and then was immediately charged off without any notice. On top of this, XXXX XXXX is reporting a charge off amount that was covered in my XXXX insurance. Third, XXXX XXXX  has been reporting the account as past due after the charge off. 

I have asked the credit bureaus to do a proper investigation yet all the inaccuracies still appear on my credit report after they " investigated '' These are serious legal violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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:
XXXX XXXX XXXX account XXXX Creditors in the United States must charge-off revolving credit accounts after 180 days, while installment loans must be charged-off after 120 days of delinquency. Section 166 of the Internal Revenue Code requires such declarations to support tax deductions for bad debts. My payment history was 100 % and then was immediately charged off without any notice. On top of this, XXXX XXXX is reporting a charge off amount that was covered in my XXXX insurance. Third, XXXX XXXX has been reporting the account as past due after the charge off. 

I have asked the credit bureaus to do a proper investigation yet all the inaccuracies still appear on my credit report after they " investigated '' These are serious legal violations.

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 2022-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was told on XX/XX/XXXX by Venmo that my account was temporarily frozen due to unusual activity, seeing how I haven't used my account in a long time, so I emailed them my driver 's license to prove my identity. Shortly after they temporarily suspended my account. The money I transferred into my Venmo was from my bank account, I don't see the issue here. I've called numerous times and get the same answer XXXX to XXXX business days.. and my account is priority, I'm sick and tired of the lies, I just want my money and my account to be closed

Company response to consumer: Closed with non-monetary relief