vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: NC

Complaint narrative:
I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPLAINT WITHOUT DOING A FULL INVESTIGATION.

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 2023-12-12 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:
I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPLAINT WITHOUT DOING A FULL INVESTIGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: Experian Information Solutions Inc.

Complaint narrative:
In 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 right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
My credit report shows that an account was opened around XX/XX/2019 for the amount of {$920.00} without my consent.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX my mortgage was covered by the state of Ohio program to help with mortgage payments during COVID. My credit report shows my payments were 30 days past due then 90 days past due and then 120 days past due. The program I used for mortgage help through XXXX XXXX was responsible for the payments, which were paid monthly. This 16 month span of derogatory marks that were incorrect have made it nearly impossible for me to refinance my home or look for another mortgage for a new home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HANCOCK WHITNEY BANK
State: NY

Complaint narrative:
I am the executor of my mother 's estate. She was living with my brother in XXXX XXXX Louisiana when she passed away on XX/XX/XXXX. Her bank ( Hancock Whitney ) provided me with copies of her checking account statements from XXXX through XXXX, including copies of all checks EXCEPT XXXX XXXXXXXX for {$3600.00}, a check written to the funeral home AFTER my mother passed away. I inquired with the funeral home, but they could not help me. 
XX/XX/XXXX : I sent e-mail to bank contact at Hancock Whitney requesting a copy of the check ( which had been converted to ACH payment ). 
XX/XX/XXXX : bank replied they would send it as soon as they got it. 
XX/XX/XXXX : bank forwarded me documentation between HW & XXXX XXXX, basically saying they could not get a copy of the check. 
XX/XX/XXXX : I e-mailed bank contact at HW to clarify information in documents. I did not receive a response. 
XX/XX/XXXX : I e-mailed contact at XXXX XXXX ( got name from documents ). No response. 
XX/XX/XXXX : e-mailed contact at XXXX XXXX again. No response. 
XX/XX/XXXX : e-mailed contact at HW. She called me immediately and told me that I absolutely should not be contacting them and they could be sued and she almost lost her job. I explained I was trying to investigate possible fraud on my mother 's account. 
I just want an answer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has violated my consumer rights for months with no regard to the law. I have reported to TransUnion that they are violating 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ) more than once but Transunion has ignored me. They are reporting two accounts : XXXX with account number XXXX and XXXX with account number XXXX. Both of these mentioned accounts are not reporting 100 % accurate information. I have attached proof that I have alerted them of these two violations over 30 days ago along with my current credit report that displays all 3 bureaus proving that these two items are not 100 % accurate as the law states.

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 2023-12-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I begin banking with amex high yield savings over a month ago and about a week ago i made my first withdrawal, it did not go against any terms of use. I transferred a small amount of money to my XXXX XXXX and the money bounced back immediately freezing my account. I called XXXX they sent me to amex as it was clear the issue was with them, i tried to understand the issue not much insight but they said my account was frozen and closed but get this they said there was NOTHING i can do about it. ok... After I was told that i asked if i could atleast have my money transferred back to my original bank XXXX. They said NO??? ok... so I asked why nothing was said. Amex is criminal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
To verify that this accounts are actually mine

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 2023-12-12 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: TN

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX XXXX To Citizens chairman Subject : Formal Request for Compliance Information and Demands Regarding Credit Application Dear XXXX, I trust this message finds you well. I am writing to follow up on my recent communications regarding the denial of my auto loan application and to formalize my request for specific information in accordance with the Equal Credit Opportunity Act ( ECOA ) and the Federal Reserve Act Section 16 ( 2 ). 

I have carefully reviewed your recent response to the Consumer Financial Protection Bureau ( CFPB ) complaint and the details provided regarding the credit application received from XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. The vehicle applied for was a XXXX XXXX XXXX XXXX XXXX XXXXXXXX in my name, XXXX XXXX XXXX. However, my concerns persist, particularly regarding the alignment of the denial with federal regulations. 

As the denial is a significant decision impacting my financial standing, I kindly request specific details outlining how my application did not meet the credit lending criteria, as per the ECOA regulations. This information is crucial for me to better understand the basis of the denial and ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached doc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX my mortgage was covered by the state of Ohio program to help with mortgage payments during COVID. My credit report shows my payments were 30 days past due then 90 days past due and then 120 days past due. The program I used for mortgage help through XXXX XXXX  was responsible for the payments, which were paid monthly. This 16 month span of derogatory marks that were incorrect have made it nearly impossible for me to refinance my home or look for another mortgage for a new home.

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 2023-12-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been greatly affected by the incorrect credit score reporting by all 3 bureaus, Experian, XXXX and XXXX. It shows that I was past due on an account from XXXXXXXX  when this is incorrect. I have mailed 15 letters and disputed this many times with no success. I have provided bank statements, credit card statements, and any proof needed to show that this information is incorrect. As a result of this, it has now been over a year and I have found myself in poor credit standing for a long time now, this has affected me greatly as I used to have a good credit score and it bought me down by many many points. Financially this has been a burden as good credit standing is very important. I was hoping my many efforts would work but everything has been to no avail. I have even called the credit card company and they have resent all documents to verify that this reporting is indeed incorrect.

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 2023-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc.
State: PA

Complaint narrative:
Medical debt from 2020 during covid. Was resolved with insurance company but the XXXX XXXX company still filed it for collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Tried to get assistance with my home loan and they would not help. Ended up foreclosing on my home and selling it at auction. This was about 5 years ago, and today I receive a check for XXXX from the stating that they had an error is on the assistance process. I lost my house and they only give me XXXX? If they are going to pay out I seek a real payment rather than a small XXXX. They ruined my life and caused me to leave the house I was in for 17 years.

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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Started as a cold call saying that they are partners with XXXX and they can feature my business on XXXX and they need to interview me to see if my business is eligible to be featured. The " interview call '' did not mention XXXX and they started selling chatbots on my website to attract new patients. Despite many times " I said NO I am not interested '' the salesman continued to harass me and offer me lower numbers and deals. His last attempt was to offer a 60-day money-back guarantee if they failed to provide a specific number of new patients. The salesman shared a document with me and started talking only about the money-back guarantee and had me sign. I later received an email with 2 documents, one was a contract saying I have literally no rights as a customer and I can not even report it to my credit card company plus have no right for any refund, The second document was the 60-day money-back guarantee. I found out that they charged my credit card {$4700.00}. I emailed the company immediately to cancel, I kept calling, and no response. Until I spoke with XXXX XXXX who said no refunds even XXXX did not provide any service plus they don't treat customers differently. I found out from their XXXX reviews that they have refunded others. 
I reported the issue to my credit card company, Chase Bank, and they said because of the signed contract, they can not do anything. XXXX informed me that because I disputed the transaction with my bank, I am in breach of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX 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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
" Did you change your mobile number? 

Lets make sure weve got the right number. 
XXXX, Looks like the mobile phone number we have on file for you may be incorrect. This could be the result of changing your phone number and/or mobile carrier. Please update your mobile number so you can receive important account alerts. '' I received an email ( above ) from Capital One at XXXX on XX/XX/XXXX  while out of town at a business event. I raced back to my hotel room to check if my identity was stolen which had happened a month prior with another credit card. 

I logged on to the Capital One to find my phone number had not been changed. I called Capital One customer service and the first rep. denied it was sent, then I spoke to a supervisor and she admitted it was sent but could not explain why it was sent. 

This erroneous email caused me stress and lost time ; as I noted I just had a identity theft breach on another credit card. This is wholly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an ongoing issue with Bank of America. My name is XXXX XXXX, and on XX/XX/XXXX, I contacted Bank of America at XXXX to address concerns related to a government check deposit of {$65000.00} made on XX/XX/XXXX. 

Summary of the Issue : On XX/XX/XXXX, I deposited a government check for {$65000.00} at Bank of America. The teller informed me that {$220.00} would be available within 24 hours, an additional {$1700.00} on XX/XX/XXXX, and the remaining balance on XX/XX/XXXX which are referenced on the deposit receipt. However, upon calling on XX/XX/XXXX, I was told that the entire amount of {$65000.00} would be available on XX/XX/XXXX. 

Key Points : Duration of Call : 32 minutes at XXXX XXXX  XXXX refused to accept a court order as proof during the deposit. 
The Office of the Comptroller of the Currency stated that {$5500.00} should be made available on the deposit day. 
Federal clearinghouse causing the delay, with a hold period from 2 to 10 business days. 
Inability to override the hold by any bank personnel, including managers. 
At 54-minutes speak with a manager named XXXX. 
Mention of the check amount over {$5000.00} and increased chances of holding, citing Regulation CC. 
No release of deposit holds policy for an account held for eight years. 
Lack of a complaints department. 
Unanswered questions regarding the specific reasons for the hold and discrepancy in availability dates. 
Reference to the deposit agreement and the suggestion of an electronic deposit to avoid holds. 
No notification about changes to the deposit agreement received by mail, only online. 
Total Duration of Call : 84 minutes, with questions still unanswered. 

Contact with a manager named XXXX at the 84th minute. he put a request for his manager to call back at ( 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 monetary relief
Consumer complaint received 2023-12-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have sent validation letters via certified mail asking for proof creditor has not supplied it for XXXX XXXX  and XXXX XXXX. According to 15 USC 1681 law there should not be any damages on my report its a defamation to my character. Creditor is also violating laws 15 USC 1681 section ( a ) ( 6 ) ( b ) ( iii ) and 15 USC 6802 ( A ) ( B ). Has not provided me with proper debt validation for the alleged debt. The other credit bureaus were not able to properly verify the accounts & was required to remove the accounts from my report. How are they able to verify the accounts when all bureaus have access to the same information but refuse to send me what they verified it with and how?

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