vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing you about several issues with my Truist accounts and they will not do anything about it. I want this escalated immediately and my funds credited back to me and resolved. First I had a line of credit and I liked it. I was making payments towards it. Reviewing my Checking Account # XXXX, Truist forced posted XXXX from my credit balance to checking account XXXX overdrawing it then forced closed it while taking {$260.00} I had in my other account which was food/rent money and all I had. It is still showing up on my online banking, accounts cant close with a balance. Who processed the force post and authorized that transfer my money {$260.00} from my other acct before charging it off!! Talk about adding insult to injury. That was my food money and you took it! I am furious with their poor customer service and how you have treated me and my accounts. It is a mess thanks to them, caused costly fees, late fees, declines and its almost like you are doing it out of spite or on purpose for no reason! They didn't provide solutions or even give me a chance. How can you force post a credit line balance to a deposit checking account? These are XXXX separate products and it is unethical the way you have done me and my accounts. I want my {$260.00} back, or you could at least accept {$50.00} payments until its paid off if I owed a PRINCIPAL balance, not bank JUNK BANK FEES. Is this how they treat all your customers? On top of that we got hit with Hurricane Helene and knocked our power out for 8 days and looks like Hurricane Milton is coming and will knock it out again. We lost our food due to the outage and you took the money I needed to replace it. Put yourself in MY SHOES, how would you feel??? Truist has unethical and XXXX  ways and my situation is proof. They are the worst bank in the US. Ever since the merger between my original bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, it has been one issue after another ... debit card quit working and changed my card number without my consent causing overdrafts, late fees and declines. ATMS quit working right and branches closed, rude employees or lack of support..Truist does not care about you.

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 2024-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
On XX/XX/year>, I received an email from Columbia Debt Recovery LLC DBA Genesis, XXXX XXXX XXXX XXXX XXXX XXXX, regarding a collection on behalf of XXXX XXXX XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXX XXXX XXXXXXXX regarding any outstanding debt owed to them. I spoke with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX who stated that they showed no outstanding balance owed by them and provided a Statement to that effect. On XX/XX/year> I sent a letter to Genesis stating that I did not owe anything to XXXX XXXX XXXX XXXX XXXX providing the email from XXXX XXXX and the Statement showing no outstanding balance. I have just discovered that not only has Genesis ignored my letter, but they are reporting this debt to the credit reporting agencies, which is impacting my credit score.

It needs to be stated here that not once have I been contacted, through any medium, by XXXX XXXXXXXX XXXX XXXX XXXX regarding an outstanding balance owed to them. The only thing I have received regarding this is from Genesis. It seems odd that The XXXX XXXX XXXX XXXX would not contact me at least once if there was an outstanding balance due to them. 

Additionally, The XXXX XXXX XXXX XXXX will not process an application for renting a unit with them unless the full application fee has been paid to them in advance. Also, a lease was never signed with XXXX XXXX XXXX  XXXX XXXX and my wife and I have never resided at XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of a fraudulent account on my credit report, as I am a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have entries associated with fraud removed from my credit file. 
The fraudulent account in question is as follows : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Opened Date : XX/XX/year> o Balance : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
in XXXX, XXXX and XXXX XXXX fraudulent bank accounts were opened in my name without my consent. This is identity theft I've never attempted to open an account with these banks at those times. I would like this removed from XXXX XXXX XXXX as soon as possible, for it is preventing me from opening any bank accounts. Thank You

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 2024-11-03 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.
State: FL

Complaint narrative:
these hard inquiries are fraudulent and doesnt belong to me and need removed 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 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 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 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 XXXXXX/XX/year>

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 2024-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Re : Disbute of inaccurate and/or incomplete information in the consumer report.

To Whom It May Concern, You are reporting inaccurate and/or incomplete information concerning my consumer reports. Your conduct has caused me distress and financially harmed me with cost and loss opportunity. 

The following alleged Public Record you are reporting concerning me is inaccurate and/or incomplete, also unverifiable by you : Re : Reported Bankruptcy Date Filed/Reported : XX/XX/XXXX Closing Date : XX/XX/XXXX I contacted the Court of Record you listed on my credit file, and they confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached ) I then contacted XXXX and informed them of their errors in the reporting and they responded with a letter deleting any and all Public Record notations.

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.

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 2024-11-03 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Re : Disbute of inaccurate and/or incomplete information in the consumer report.

To Whom It May Concern, You are reporting inaccurate and/or incomplete information concerning my consumer reports. Your conduct has caused me distress and financially harmed me with cost and loss opportunity.

The following alleged Public Record you are reporting concerning me is inaccurate and/or incomplete, also unverifiable by you : Re : Reported Bankruptcy Date Filed/Reported : XX/XX/XXXX Closing Date : XX/XX/XXXX I contacted the Court of Record you listed on my credit file, and they confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached ) I then contacted XXXX and informed them of their errors in the reporting and they responded with a letter deleting any and all Public Record notations.

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This debt was set up on me through ilegal or unfair means, I was an employee for XXXX  selling their services over the phone, as an employee they gave me free services including their most expensive package including XXXX and all source of expensive stuff that no one buys because is no feasible to any normal person, since I worked selling their products I know I need to get an verbal agreement from the customer and let them know every single product I'm providing before completing the sale, this process didn't exist for me, because when my employment was over I asked my previous manager about the process and the sense was that since it was a employee account the services will stop with the employment, instead they rollover into a personal account with all services that I didn't even used when they were free without my authorization, never agreed to any price, package or deal, my precious personal account tgat I had with XXXX  only had internet and for them to close that one to create a employee but then rollover the employee into a personal is mind blowing, I feel scammed because is 1 month of services totaling XXXX dollar XXXX dollar is a huge bill for a month, it includes all the fancy stuff without my authorization, the collection office is saying the account is under my name but that is no proof that I agreed to those services, they haven't provided nothing of that mean, I know this info through disputing it with XXXX credit bureau, is the only thing showing as a result, I don't think is fair a consumer have to pay for negligence of employers or services sold in a fraudulent way for the benefit of others, consumers should pay on what they agreed upon.

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 2024-11-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Pursuant to 18 USC 1341 Frauds and Swindles, Pursuant to 18 USC 894 Collection of extensions of credit by extortionate means. 15 USC 6802, 15 USC 1692 ( F ) And completing a UCC 11 debtors search only to find I have no debt or liens in my name. 
Equifax, XXXX and XXXX  Have collected my non public information without my expressed written consent for them to publish, present or post my transactions and experiences such as but not limited to : inaccurate addresses, collections, hard and soft inquiries, inaccurate names and phone numbers and misrepresentation of a credit sale ( XXXX  XXXX XXXX XXXX XXXX ) labeled as an Auto Loan for loan type. The malicious and fraudulent activity has slandered my creditworthiness and deemed me a high risk consumer drastically lowering my score. I have reached out to the XXXX Credit Reporting Agencies and have had little to no success with them adhering to legislation that protects my consumers rights. These are just a few of the violations that have taken place and are still ongoing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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.
State: TX

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Pursuant to 18 USC 1341 Frauds and Swindles, Pursuant to 18 USC 894 Collection of extensions of credit by extortionate means. 15 USC 6802, 15 USC 1692 ( F ) And completing a UCC 11 debtors search only to find I have no debt or liens in my name. 
XXXX, Experian and XXXX  Have collected my non public information without my expressed written consent for them to publish, present or post my transactions and experiences such as but not limited to : inaccurate addresses, collections, hard and soft inquiries, inaccurate names and phone numbers and misrepresentation of a credit sale ( XXXX  XXXX XXXX XXXX XXXX ) labeled as an Auto Loan for loan type. The malicious and fraudulent activity has slandered my creditworthiness and deemed me a high risk consumer drastically lowering my score. I have reached out to the XXXX Credit Reporting Agencies and have had little to no success with them adhering to legislation that protects my consumers rights. These are just a few of the violations that have taken place and are still ongoing.

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 2024-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
It should be made known. First and foremost, I'm part of a lawsuit against chime which is my checking account. Their data was compromised from what I understand. And because of that, I have tons of fraudulent charges and they refuse to refund them. I have evidence from the FBI, the police and all kinds of stuff but, Will not help me. I've provided documents showing that. These companies have fraudulently charged me along with multiple other documents I have the police involved. Please help me and let 's get this settled be fair. Y'all are my bank. Y'all are supposed to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Im writing in reference to My Luxury Card Titanium Mastercard issued by Barclays Bank Delaware, formerly Juniper Bank which offers several cards for a yearly membership fee. Ive had continuous issues with this card and their support and security department have been extremely unhelpful and outright hostile and unreasonable in trying to help me resolve the issue. 

Essentially, Ive been traveling since XXXX of this year and tried using my card in XXXX for signing up to a transportation app for getting around the country Im in a security alert was raised and I called in to validate it was me. During this time, I changed my phone number to a less expensive service, and wasnt able to receive codes due to the restrictions that Mastercard/MyLuxuryCard have set wherein the phone number can not receive newly issued one time codes for a few months.

How do I verify that its me trying to use the card overseas? I provided all the screening questions they asked and PII. This apparently wasn't enough for MasterCard and they asked for me to submit additional documentation, now I didnt have a problem with that, but they asked to send it in over fax ( finding a fax service is difficult enough to do in XXXX XXXX. Theres apparently no other way they have setup in their protocols to validate identity other than some archaic fax machine that requires sending in documents. I went as far as attempting to use a mobile scanning documents fax app but wasnt successful in sending it even though I was instructed by their security staff, and followed every instruction provided. 

Now during this period, I became aware that my card was going to expire either way, and I would need one issued as the one that was sent out is unavailable to me. Mastercard told me that because the account is locked, they would need to unlock it before being able to issue the card via internationally forwarding services. 

So, I cant use the card because its in a locked state along with my account ( even though I can login and pay my balance just fine ), though they wont issue one time codes to the number on file until I verify my account by faxing in identity documents, they wont unlock the card for me to use, AND they wont allow me to cancel the auto renewal of the annual membership card fee which I was recently charged {$190.00} for. 

Its like theyre making it impossible for me to use the card they forced me to pay annually for, and have made it in all ways difficult to cancel membership of. Since the card was of no use since it was locked months ago, I had not used it and wanted to close the account but Mastercard comes up with this complicated process for ending my membership with them! I will never recommend card services with this company.

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 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a Chase Freedom XXXX credit card on XX/XX/year>, they were offering a {$200.00} Cash Back After You Spend {$500.00}. I met the {$500.00} spend by the middle of XXXX, which was within the first XXXX months. I called them on XX/XX/XXXX to resolve this issue, and they escalated this case. It's now, XX/XX/XXXX, and I still don't have my {$200.00} cash back bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: MO

Complaint narrative:
I am writing to request the immediate blocking and deletion of certain accounts and inquiries on my credit report due to identity theft and a recent data breach, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
ACCOUNT IS IN LITIGATION I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX XXXX XXXX XXXX Check XXXX GXXXX XXXX XXXXXXXX XXXX XXXX has ILLEGALLY sold debt to XXXX XXXX XXXX XXXX and is in direct violation of 15 U.S.C., Sec 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Sealed Affidavit has been sent to both companies with no response which will now result in criminal charges being filed against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with various legal entities including, but not limited to, the Federal Bureau of Investigation ( FBI ) and the Internal Revenue Service XXXX XXXX XXXX XXXX IRS XXXX ) to investigate the possibility of criminal activity including, but not limited to, violations of the FAIR DEBT COLLECTIONS ACT. Upcoming court dates will be sent to both parties to resolve this matter expeditiously.

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 2024-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
Google XXXX  does not integrate with XXXX  products therefore a delay occurred affecting my credit history for XXXX  years. XXXX and Google the company expanded on this problem by making " customers '' who need constant updating and can therefore not complete assigned 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 explanation