vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX my daughter sent me {$270.00} via cash app I elected to have these funds directly deposited into my account instead of an instant deposit. I called on XX/XX/XXXX because funds have not been received I spoke with a representative that stated they could see the funds and they would be available by the end of the day. On XX/XX/XXXX funds had still not been received I called cash app and spoke with several reps via chat each one gave a different story the first representative XXXX stated that they are not showing a pending deposit, the second representative stated the same so I called I was then told that the funds would be available XXXX I asked how this was possible because friday XX/XX/XXXX is a holiday. I than asked to speak with a manager and was hung up on. I called back again and spoke with another representative that stated the funds would be available today when I asked about getting a refund to the sender and how they could go about doing so he told me he could not provide me with that information and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. Thiis is the item I demanding to be deleted immediately : This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
All the inquiry are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX we received notification through XXXX informed delivery that Ally Financial had mailed a document to our former residence.The subject vehicle was never registered to that address therefore no communications regarding that vehicles loan should have been sent there. As my wife works in title for a mortgage company she quickly identified this as disclosure of XXXX. I contacted Ally the same day to discuss this and see what there plan was to remedy the situation. They stated they had updated the address and no further communications would be sent to that address. 

This morning XX/XX/XXXX we were again informed by XXXX informed delivery that an additional 2 documents were sent to that same address. After speaking with a supervisor at Ally for a second time we confirmed that both of those documents also contained XXXX. 

As the address these documents were sent to was a rental property we can not confirm whom may have received this information and what they may have done with it.

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 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Admin Recovery, LLC
State: OK

Complaint narrative:
I spoke with a XXXX XXXX from Admin recovery on XX/XX/2022. In that phone call I requested all phone contact cease and further correspondence be handled via mail. I have received phone calls since that time, including from a different number than the original caller but from the same organization.

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 2022-04-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 29 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: FL

Complaint narrative:
XXXX account has been closed for a year but XXXX is allowing them to report the account as " late payment. '' XXXX placed a penalty on my account some time after it was closed and sent that penalty to collections. 

A closed telecom account can not have a late payment, as dictated by FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: FL

Complaint narrative:
XXXX account has been closed for a year but XXXX is allowing them to report the account as " late payment. '' XXXX placed a penalty on my account some time after it was closed and sent that penalty to collections. 

A closed telecom account can not have a late payment, as dictated by FCRA

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 2022-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX I made a complaint about Comenity Bank via the CFPB ( XXXX ). I explained that I incurred some late reports on my Credit report due to XXXX and I submitted in documentation to prove my allegations asking the CFPB to help me. The CFPB submitted my compliant over to Comenity Bank and on XX/XX/XXXX Comenity Bank decreased my Credit Limit. I feel that Comenity bank deceased my credit limit in retaliation to myself submitting a complaint. I spoke to supervisor XXXX ( Employee ID XXXX ) on XX/XX/XXXX at XXXX XXXX  whom stated that he doesn't see a reason why my credit limit would be deceased except if they were going by my credit history in XXXX. This is the same credit history that I wrote in about asking for my late payments to be removed from my credit report. Also Comenity Bank had already deceased my Credit limit for these late payments deceasing it from a Credit Limit of {$250.00} to a Credit Limit of {$150.00}. I have been making all of my payments on time currently my balance is at a XXXX XXXX. Comenity Bank did not re-run my credit as all of my credit profiles are locked, so they would not have the access to do so. Please investigate this retaliation on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had made a payment on XX/XX/XXXX, I had remaining credit on XX/XX/XXXX and used my last {$57.00} remaining from {$2500.00} limit, so I decided to pay it all off, ( on XX/XX/XXXX ) I paid the present balance of {$2400.00} and after logging in on the next day, after paying off my whole credit card!! They added another {$100.00} out of nowhere! With no proof where it came from!!! Im not okay with that. I already paid my interest fees for this month of {$34.00}, there should be no reason for another invisible amount after I just paid off my card!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I tried calling SunTrust/Truist four times this week and I also emailed Truist concerning getting the proper payoff letter for the second mortgage that I had with them that was charged off in 2013. Every time I called, the representative says that the payoff is zero. I received a letter from Truist with an amount on it, but the underwriter stated that it wasnt a payoff letter. I am trying to close on my refinance next week and if I dont close next week, then I will lose my locked in interest rate in which my interest rate has already gone up before while I have been waiting to get a payoff letter from Truist 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 2022-04-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX  Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record

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 2022-04-14 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:
EXPERIAN has FAILED to update my credit report from XX/XX/XXXX until current as was explicitly advised by XXXX XXXX on XX/XX/XXXX. Experian has faulty systems and unknowledgeable and unhelpful agents.

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 2022-04-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of XXXX XXXX and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my XXXX to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions XXXX XXXX  affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXXXXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of XXXX XXXX and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my XXXX to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions XXXX XXXX affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX  Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}

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 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my XXXX was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help

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 2022-04-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my XXXX  was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022 at approximately XXXX I began receiving text messages to my phone ( XXXX -carrier Visible ) from Bank of America asking if I had made purchases at XXXX XXXX XXXX XXXX FL for the amounts of XXXX, and suggesting those purchases were fraudulent. I responded to a question from the bank '..if I recognize this activity ' to which I responded 'NO ' to indicate the activity was fraudulent. I was then immediately contacted by a Bank of America representative via voice call ( phone number XXXX XXXX -a customer service number on the back of my debit card ) who identified himself as XXXX XXXX, a supervisor in the Fraud Department of Bank of America # XXXX He had my account open and asked about transactions made in the account. He asked about a few legitimate transactions such as a payment to the XXXX XXXX, Nj XXXX XXXX for $ XXXX, and a XXXX transfer in from my tenant for {$950.00}, both are legitimate activity. Then he asked me about the XXXX transactions for XXXX to which I answered were illegitimate. While we were on the phone, at aprox. XXXX he told me another transaction had been made which was a XXXX Transfer of {$5000.00} to a person named XXXX XXXX ' which he said he would void out also ( once I told him the transaction was fraudulent ) At no time did I authorize anyone to access my account. These transactions to XXXX and to XXXX XXXX were not authorized by me. 
On XX/XX/XXXX, I awoke at XXXX and upon checking my bank seeing the {$5000.00} transaction had not been stopped I immediately called the Bank of America fraud claims dept to report the situation and put a hold on my bank accounts. Then I went first to the Bank of America XXXX XXXX, XXXX, NY branch to further report the fraud and change my account numbers, and then to the XXXX XXXX NY in XXXX, Ny XXXX XXXX XXXX to report the fraud to deputy XXXX XXXX badge XXXX. Case # XXXX This fraud occurred to my Bank of America business account named XXXX. The debit card associated with this account ends in XXXX, and the account ends in XXXX Included are screen shots of some of the text messages I recieved ( black background ) and some my wife XXXX recieved ( red on green background )

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 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I deposited a check via mobile app for {$2500.00}. This check is from XXXX for sale of some stocks. I expected the funds to be available the next day, XX/XX/XXXX. I saw in my account they were not available. I call Fifth Third, and spoke with an agent who told me they placed a 10 day hold on the check. She said it was because of the amount. I asked to speak with a supervisor. The supervisor advised that there was nothing they could do. She then placed me on hold. She came back on the phone and said they looked at the check to see if they could release the hold, but told me because I hadn't received a similar deposit recently, they couldn't release the hold. 

I feel this violates my access to funds and that certain checks/customers are able to get the hold removed and I wasn't. I believe this to be a possible UDAAP issue as well.

Company response to consumer: Closed with explanation