vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We are an investment company. We sold XXXX of our XXXX businesses with a closing date of XX/XX/. XXXX wire transfers were transferred from the buyer 's escrow agent. The wire to our company was put on hold by BoA. The other XXXX wires went through without issue ( XXXX of which went to other BoA accounts ). 

Thursday morning XXXX  I tried to wire money from our account to our investors. I could not. When I called BoA, they told me to go to a branch. The business XXXX at the bank tried to wire money from our account and could not. She called the BoA wire department and found out the wire for the sales proceeds was put on hold. Later that day ( XX/XX/ ) I tried to send a small wire from funds that were in our account before the transaction wire. BoA denied access to our account completely. 

As of XXXX we do not have our funds and we do not have access to our account. I called various departments at BoA and received no information and no date when our funds would be available. 

The wire was for a significant amount and our investors are losing a significant amount of interest.

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 2023-10-18 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2023 receive email that unusual activity on my account and to call to verify activity. When I call I was told they will close my account and end business relationship, and a check will be mailed within 7-10 business days or to go in branch and withdraw my funds. I go to branch XXXX XXXX and they are able to withdraw all my funds and upon calling 'back-end ' was told they are not closing my account and it was my request. They confirm the 'closing of my account ' ruling was overturned and if I wanted to continue with my withdraw since they will not close my account and wanted me to go in branch to verify identity. They unrestricted my account and everything looks normal. On XX/XX/XXXX the next day I receive email my accounts are restricted again and they are closing my accounts. I go in branch on XX/XX/XXXX and they state they are unable to withdraw my funds due to a pending investigation that was closed and finalized weeks ago. When I request written notice or documentation regarding why my funds are not accessible and I have no ability to use my funds, they deny providing any written information. I call on XX/XX/XXXX to request my funds be made available and demand full use of my funds, they deny my request stating there is an indefinite investigation and it could take anywhere from 1 day to 1 year to resolve and my funds are not available, even after closing my account and stating I would receive my funds within 7-10 business days.

They are violating customer agreement and their promise to return balance within 7-10 business days, violating EFTA regulation E by having an ongoing indefinite investigation that was finalized and closed weeks ago, being unfair and deceptive by lying to me stating my account will not be closed so they may put a hold on my funds and not allowing full use of my funds creating undue hardship. They are acting in bad faith not providing any written documentation and illegally investigating behind-the-scenes without any communication or cause. 

I also have videos of my entire interaction at the branch location showing the unfair and deceptive practices, however due to file size I am unable to upload to the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-10-18 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2023-10-18 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2023-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
Interest rate was told different then it was when I first purchased it. I felt I was coerced into it with wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
I disputed this with XXXX  And there was no attempt to investigate and properly verify this account with matching name and addresses phone numbers and presenting signiture signed documents from this deal. 
No thorough investigation was conducted to verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank did not follow their own policies and procedures and allowed 3 individuals access to debit our business account fraudulently through their ACH system. Over a period of 8 months, these individuals removed funds from our account in minimal amounts and under false business names that we actively do business with such as " XXXX XXXX '' to remain under our radar. The ACH policy on Chase 's account and applicable to our business account, communicates their is a submission of documentation to validate transactions and approve removal of funds prior to the first transaction. Chase bank failed to take this step and approved over {$55000.00} to be stolen from our business account over an 8 month period and now refuses to fix their mistake and restore the funds to our account. We were never contacted by the fraud department for even one transaction nor was the bank able to provide the documents or evidence that prove they validated documents approving charges to our account. Detailed information such as dates, amounts, communications and bank policies as well as a letter to the bank 's Vice President requested action are attached for review. We met with the bank on numerous occasions to resolve this issue with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was charged a membership fee of {$45.00} that I was told last year that I would no longer be charged for. I was then charged two late payment fees of {$39.00} each month for two months. A total of {$110.00} was now overdue and reported to the credit bureaus as delinquent. The problem summary. I was NEVER informed via ebill that these amounts were charged. I did not receive hard copies of these amounts due. I was never telephoned to advise me that I owed this money. I was told that no membership fee would be charged to my account. I was advised of a credit file change by XXXX so I went to my XXXX account to verify this information. I then called XXXX at which time they initiated a credit to my account for {$110.00} and told me they did not know why I did not get my XXXX. My XXXX  was initiated several years ago and upon checking, my email, telephone number, and address were correct on their website. Because of this, I lost over XXXX points on my FICO scores. I have sent this information to XXXX starting a dispute on XX/XX/XXXX  the date I received the initial information. I have remained in contact with XXXX as they review my issues with XXXX and have retained a lawyer to help me reverse these erroneous issues and get my FICO score back! Just the other day, I received an email from XXXX asking me to verify my profile ( email and address ) change which NEVER took place!

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 2023-10-18 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding a significant issue I have encountered with the credit reporting agencies regarding an identity theft incident. Despite my repeated attempts to rectify the situation, I have been met with inaction and a lack of proper investigation from the credit bureau, which has resulted in significant harm to my financial and personal well-being. The incident in question pertains to a fraudulent account that has been reported on my credit report. I filed an identity theft report with the Federal Trade Commission ( FTC ). I also submitted disputes to the credit bureaus involved numerous of time, along with all necessary supporting documentation, including the FTC identity theft report, police reports, and notarized affidavits. However, instead of conducting a thorough investigation as required by law, the credit bureau in question merely asserted that the account in question was mine without providing any concrete evidence to support their claim. This response is not only inadequate but also violates the Fair Credit Reporting Act ( FCRA ) and its requirement that credit bureaus conduct a reasonable investigation when consumers dispute information on their credit reports. The violations that I believe have occurred include but are not limited to : Failure to conduct a reasonable investigation : The credit bureaus in question failed to fulfill their legal obligation to conduct a thorough and impartial investigation into the disputed account, as mandated by the FCRA. Lack of notification : The credit bureaus did not provide me with written notification of the results of their investigation within the required time frame, denying me the opportunity to review their findings. Disregard for supporting evidence : Despite providing extensive documentation, including the FTC identity theft report and police reports, the credit bureaus did not consider this evidence during their investigation, undermining the integrity of the process. Failure to block fraudulent information : The credit bureaus did not block the fraudulent account from my credit report, allowing it to continue negatively impacting my credit score and financial standing. Refusal to correct inaccuracies : The credit bureaus refused to correct the inaccurate information on my credit report, thus perpetuating the harm caused by the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-18 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2023-10-18 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX Credit usage 34 % Balance {$1300.00} Balance updated XX/XX/2023 Credit limit {$4000.00} today is XX/XX/XXXX XXXX  XXXX Credit card told me they reported to experian to get the balance correctly now to {$370.00}. It is still showing {$1300.00}. I spoke to XXXX XXXX and he says he will reach out to them. I believe they are deliberatly not doing it to prove a point. 
the Point is that we live in 2023 and this information should be accurate and not wait 30-60 days. I will not apply for credit until its updated.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit inquiries that i did not authorized : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : Consumer Financial Protection Bureau Re : Midland Funding LLC DBA In New York As Midland Funding of Delaware LLC and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Dear Consumer Complaint Division ] : On about XX/XX/XXXX, I noticed a significant pay decrease in my wages from my current employment at XXXX XXXX XXXX XXXX XXXX. 
I quickly went to the management office and requested answers from XXXX XXXX XXXX she proceeded to tell me that she had received a pay garnishment. I explained I had never been served with a judgment a summons or a complaint were not served at all, and I had not been given a fair chance to respond and asked her how this was possible and why wasnt I notified by anyone at my employment prior to beginning this garnishment. She responded she didnt know. I desperately asked her for a copy of the notice, and she rudely refused to give me a copy and just gave me the phone number to the Sherriff dept., who has ordered them to proceed with the judgment. I quickly contacted this phone number and complained about not even being notified in any way and asked to please send this notice to my address, I then received it by regular mail dated XXXX XXXX XXXX 
This company I do not know anything about has stated that I owe them a debt from XX/XX/XXXX, claiming the amount of {$3000.00}, and they have proceeded in garnishing 10 % of my gross bi-weekly wages. About {$230.00}. If correct. 
I believe this is an identity theft the name in this judgment that shows my name as XXXX XXXX XXXX XXXX XXXX which was my marriage last name, and I was divorced this same year, it also shows XXXX XXXX XXXX whom I have no relation with at all. 
I am a single parent struggling to make ends meet and my checking account has been charging me overdraft fees continuously. I am using other credit cards in trying to keep up. I am in desperate need of help and would like this identity theft stopped and my garnishments returned. 

I would appreciate any help in this desperate situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank America Account ending in XXXX claim # XXXX I have not received any information on the settlement agreement reached by Bank America in reference to this bogus account that was opened in my name using my information from when I previously banked with them over 10 years prior

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