vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am on XXXX, VA and XXXX. My deposits are made into a checking account. I also am enrolled into way to save savings account. Being my only income is XXXX, I would submit that my savings account is tetered to my checking and thus should also be protected from garnishment.. I also have overdraft protection linked to my savings. Thus the savings account is also linked in that aspect. I was garnished I feel unfairly.

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 2024-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
1 ) The credit card company will only partially credit a late fee.

2 ) Payment due date states the XXXX but it actually requires payment by specific time of day and therefore if you are paying after XXXX on the XXXX then you are late. 

I find this to be a way to prey on people and take advantage of those who don't have the advantage of paying in advance ( hence the need for a credit card ). I have since closed my account and will not do business with them any further. 

This is dishonest practice in my opinion. If your due date is for a specific date- it should be that day PERIOD - not from XXXX etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The consumer received correspondence of account closure XX/XX/year>. Consumer social security number was used for actual cash value to access consumers unlimited credit. The consumer under 42 USC 408 was violated. The consumer has information reported from Bank of America to a third party XXXX XXXX which denies consumer access to portion of unlimited credit.Consumer falls under 18 USC 8 in regards to said debt reported.Due to this reporting the consumer has been denied access to consumers portion of unlimited credit 15 USC 1611.

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 2024-08-19 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: GA

Complaint narrative:
All three bureaus are reporting inaccurate personal information.

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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
-- - First of all, hello everyone. I deposited a check for {$2500.00} from my salary into my account at the XXXX branch of Bank of America through an ATM on XX/XX/XXXX. The receipt from the ATM indicated a one-week hold period. The next morning, I went to the bank and told them that I couldnt wait a week to cash the check because I had no other money available. Despite this, they told me that it was their policy, and I had to wait. I tried to withdraw the check and close my account, but they said they couldnt give the check back to me and that I had to wait. 

After that, I kept checking the mobile banking app and saw that my deposit was still pending. Today, the status changed from a regular hold to just pending, still showing that the deposit was on hold in the mobile banking app. On XX/XX/XXXX, I received another email stating that my deposit would be available on the XXXX. I went to the bank again and got a chance to speak with the branch manager. I explained my situation, telling him that I needed to pay my rent and that I was living off these salary checks with no other money available. He then told me that the funds would be available in my account on the XXXX. However, the email I received showed the XXXX as the availability date. I called customer service again, and they told me the funds would be available on the XXXX. 

Im being completely humiliated by my own money, by my own check. This banking system is unacceptable. Right now, I dont even have enough money to buy gas for my car. My account balance is {$0.00}. Bank of America has totally left me in a difficult situation. My car is a rental, and the payment is overdue. I couldnt pay my rent. I dont even have money for food right now. Bank of America is a total regret. Anyone considering opening an account or doing business with Bank of America should think twice, or rather, three times. They have a completely garbage system. They even asked for my address to send me a card from the same bank where I opened my account. Despite providing the correct address and confirming with them a second time, they still sent the card to the wrong address. This bank and its employees have put me in a terrible situation. 

If this process drags on any longer, they wont give me my check back. I will initiate all necessary legal actions. As of today, I will likely lose my home and car. Because of Bank of America, I will probably end up on the street. This is unacceptable, and I demand action to be taken. 
XXXX regards

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 2024-08-19 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: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: VA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-08-19 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: NY

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I am back with a complaint about my accounts with Ally Bank its been over a month I havent had access to my funds and this bank still hasnt called to notify whats going on with my funds. Im just keeping reciepts of how many times Ive made complaints about my funds being held and me being unable to retrieve any information as to where my funds are and why are my accounts still blocked and some of my funds are missing from my accounts with ALLY bank this bank has to be a scam Ive never been treated so unfairly by a bank in my life and Im still frustrated being that I had to take out loans to feed my family since I cant have any access to my funds.. I will bring up all these matters in court and provide how many times Ive made complaints and still havent had any one notify me or unlock my accounts so that I can get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : NATIONAL CREDIT SYSTEM Dear Sir or Madam, I'm reaching out to ask for a detailed verification of the debt listed below, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). I would like you to provide evidence that I am indeed responsible for this debt. 
Creditor : NATIONAL CREDIT SYSTEM Account Number : XXXX Claimed Amount : {$8200.00} This request should not be seen as an admission of debt or a refusal to pay what's rightfully owed. It's simply a step to ensure the validity of the claim. 
Under the FDCPA, please provide : 1. The total amount claimed, including any additional fees.

2. A thorough explanation of the debt, with the original creditor 's details and a breakdown of all transactions.

3. Any contracts or agreements signed by me that substantiate the debt.

4. Evidence that the debt is not beyond the statute of limitations.

5. Your company 's license number in Ohio and the name of your registered agent.

6. Details of any court judgments, if applicable.

7. Confirmation that you're authorized to collect debts in Ohio.

8. Proof of your licensing in Ohio, along with the license numbers.

I kindly ask for these documents within the next 30 days for my review. Should there be any reporting to credit bureaus before validation, I expect it to be paused until the matter is resolved. If you can't prove the debt or your authority to collect it, please stop all collection activities and remove the information from my credit records.

If I don't receive the requested documentation within 30 days, I'll have to consider further action, including filing complaints with legal authorities. 
Please send all correspondence to the address above in writing. 
I appreciate your attention to this matter and hope we can sort this out quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally complain about fraudulent accounts on my credit report that remain despite my previous notifications to the creditors. The accounts in question are : - XXXX XXXX XXXX, Account Number : XXXX - XXXX XXXX XXXX Account Number : XXXX I have previously contacted these creditors, and although they claimed to investigate, the fraudulent accounts remain. This situation is a violation of several provisions under 15 USC Code laws. 

I am attaching the FTC report for reference and request immediate removal of these accounts from my credit report. 

Thank you for your prompt attention to this matter.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Traansunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. These addresses were used to open accounts in my name : XXXX XXXX  XXXX XXXX, SCXXXX XXXX XXXX  XXXX, SCXXXX These are the accounts in my name that stems from the identity theft : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX A copy of an FTC report listing the ACCOUNTS, ADDRESSES AND INQUIRIES opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses and inquiries. The aforementioned inquiries and addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission and also a Police Report from the XXXXXXXX XXXX XXXX demonstrating that the Addresses, Accounts and Inquiries listed above are all the product of fraud and identity theft.

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 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems regarding a debt of {$2300.00} that originated from XXXX. While I acknowledge that this debt was incurred, my financial situation has drastically changed, and I am now unable to repay it. Despite my financial hardship, Jefferson Capital Systems continues to report this debt and is attempting to collect an amount that may not be accurate due to the lack of proper validation. 

I have not received proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This includes proof of the original agreement with XXXX and their legal right to collect this debt. Without this validation, the amount they are attempting to collect may be incorrect, making their continued reporting both misleading and unfair.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2, creditors and debt collectors are obligated to ensure the accuracy of the information they report. Given that this debt is unvalidated and potentially incorrect, its continued presence on my credit report is unjust and harmful. 

I request that Jefferson Capital Systems immediately cease all collection activities and remove this debt from my credit report to prevent further unnecessary damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: DailyPay, Inc
State: MD

Complaint narrative:
Dailypay has access to my earned income and will not release it because i am closing my account. My paycheck is being withheld even though i dont owe them any money. Dailypay takes your entire earnings even if you dont owe them any money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-19 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: HI

Complaint narrative:
I was a victim of identity theft. There is inquiry on Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is 1. XXXX XXXX  - XX/XX/year> 2024

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 2024-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I attempted to login to my savings account with Marcus Goldman Sachs on Monday, XX/XX/XXXX and discovered the account was locked. When I called to get the account unlocked, I learned that my account had been closed and they were unable to tell me why. The customer service representative suggested I read the possible reasons on the Marcus website FAQ, but none of those reasons apply. I was also unable to confirm my balance at the time of closing, which is concerning because the customer service person mentioned there had been several failed attempts to access my account. I was not provided any timeline for when I would receive my money, just told to " check the mail ''. My balance as of a few days ago was {$30000.00}, this is not an amount of money that I can just hope arrives safely in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I filed a dispute about merchandise I ordered using my Wells Fargo credit card. The dispute was for merchandise I received was " not as expected ''. I attempted to return the merchandise, but the items took 35 days in shipping ( 5-8 days was stated on their website ) and therefore I could not return the items as they only have a 30 day return window from the date of the order. After speaking to the Wells Fargo dispute representative, I was told that the information was being processed. When I finally received the letter back from Wells Fargo weeks later, it stated that my dispute had been denied because my " merchandise not received '' was received and the company produced the shipping label. Somehow my claim of " not as expected '' turned into " not received '' and when I immediately called Wells Fargo back to find out what happened, I was told the deadline was missed. I spoke to about 6 different levels of customer support and eventually filed a complaint against Wells Fargo since their rep is the one who filed my claim incorrectly. Then when I get a call back from someone who spoke to the " dispute manager '' they again told me since my merchandise was received, I was out of luck. I can't get in touch with anyone who actually understands the problem.

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