vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX HAS REPORTED PAST DUE PAYMENTS. PRIOR COMPLAINT HAS FAILED TO CORRECT SAME. 
AS A RESULT I AM ATTACHING PROOF OF ALL MY PAYMENTS SINCE REISTATEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX HAS REPORTED PAST DUE PAYMENTS. PRIOR COMPLAINT HAS FAILED TO CORRECT SAME. 
AS A RESULT I AM ATTACHING PROOF OF ALL MY PAYMENTS SINCE REISTATEMENT.

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 2023-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I closed my credit line Acct XXXX with Suntrust/Truist bank on XXXX after repeatedly losing access to online banking during their merger with BB & T Bank . Due to not having access to online banking, I had to call in to get the total amount due in order to bring the balance to XXXX and close the account. The representative took payment from me of {$120.00} in order to bring the account to XXXX and close it out. on XXXX I got a letter in the mail from Truist bank stating that I owed {$22.00}. I called Truist and was told they didn't see what the problem was on their end and couldn't confirm if it was or wasn't fraud so they opened an internal fraud investigation and would let me know once that process was complete. Several months later without ever hearing back from Truist, I got a letter from them stating that I owed {$68.00}. I called again and spoke with a Truist rep named XXXX on XXXX and requested more info on what was going on. She was able to inform me that there was a charge of {$22.00} that posted on XXXX that I wasn't informed of at the time I closed out the account. At this point I offered to pay the {$22.00} to settle the account but was informed that I would also be required to pay late fees as well of which I refused to do since I wasn't made aware of the existing balance at the date I closed the account. The date of this writing is XXXX and they are saying my current balance is now in the range of {$200.00} due to late fees accruing every month. After no less than 5 separate conversations with different representatives and a one hour round trip to my nearest Truist branch they are continuing to add to the balance on the account that I closed almost 1 year ago. My credit score as a result has gone down over 100 points and I have spent countless hours on the phone and in transit to the branch with no offer of resolution by the creditor.

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 2023-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, New Jersey XXXX 1. Incorrect Names : XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX Remedy requested : DELETE 2. Incorrect Addresses : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Remedy requested : DELETE 3. Incorrect Employers : XXXX XXXX XXXX XXXX  Remedy requested : DELETE 4.Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. Fraudulent Credit Card : XXXX XXXX : Fraudulent Utility Accounts : 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 2023-02-09 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: LA

Complaint narrative:
Hi, I sent a letter last month, XX/XX/2023, to be exact, it's a dispute letter but It's been over 30 days already and I still haven't got any update in any form coming from your company and I am in a bit of a hurry right now. I am aware that the FCRA is requiring the CRA 's response within 30 days and I learn on XXXX that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NM

Complaint narrative:
On XX/XX/2023, I was the victim of a scam involving XXXX and the money service Zelle. I was selling a washer and dryer on the XXXX XXXX for {$520.00}. The person ( s ) interested contacted me via XXXX XXXX, asking about the price and if they could possibly pick them up that same afternoon. They asked if we could use Zelle to transfer the money from their account into mine. I agreed, and installed the application on my phone. They then told me that in order to transfer the full amount, I would have to upgrade my account to a " business account '', and they claimed that they would have to send me an additional {$320.00} for a total sum of {$850.00}. I had never used Zelle before to transfer money, and so I assumed they were telling the truth. The person I was speaking with insisted that they trusted me to refund the extra {$320.00} once the transaction was completed. I only had {$300.00} in my account, so that was what I sent them, under the belief that it was taking a while for the funds to appear on my end, as the buyer reassured me. I received a series of emails during the transaction process, claiming that I was to send them larger and larger amounts in order for Zelle to release the funds into my account. The final email was asking for my personal information, my bank account number, routing number, user name and password. I told the buyer over messenger that I was uncomfortable with this, and asked kindly if they could return the {$300.00} I had sent them using Zelle. At this point the buyer/scammer left the conversation, and in a panic I called my bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX if there was anything they could do to reverse or cancel the transfer, as it was still pending. They told me there was nothing I could do as I had " willingly '' sent the scammer the money and that I had to file the incident with the local police. I immediately contacted Zelle. They created a case for me, though they told me there was nothing they could do on their end for the same reason. Zelle customer support confirmed that the emails I supposedly received from them were not legitimate using the email addresses. The Zelle case number is XXXX. I will be filing a report with the local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also States Consumer reporting agency cannont furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX account number # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX account numbe XXXX XXXX U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also States Consumer reporting agency cannont furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
Clairty services has furnished inquires on my report that I never authorized. Ive never sent written authorization to clarity services to furnish this on my report which is an invasion of my privacy and illegal to do.

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 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Several months ago I applied for a city bank/XXXX  card and was approved. 
I made several purchases no problem, however when XXXX did a direct payment to them, it did not go through. I made a second payment to them but the hold checks for up to Therty days, making me overdue. That is what I was told over the phone by two different people.

I have made several purchas since and attempted to pay the bills. Since I have made several duplicat payments my XXXX bill came back with {$860.00} credit.I called and demanded a refund check, of witch they agreed to.

How is holding payments make any sense? 
Payments should be amediatly credited to ones account. Especially if it is a defect deposit from the bank. Please look into this nonsensical practice. When people are having trouble paying there bills, co should not make it more difficult in paying there bills. 
With all due respect, I know this is trivial, but I dont need more problems especially wen I pay all my bills regularly.

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 2023-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Revco Management, LLC
State: PA

Complaint narrative:
I got a collections notice from this company today. About two months ago they were mailed a written letter from me requesting no contact in accordance with the CFPB laws. I got a letter in the mail today. Next communication from the company & my lawyer will be writing them with a summons for breaking civil law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
my address has never changed lately someone took the XXXX off the end of my address and added XXXX. also iI have never lived in the state of michigan at any time in my life

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: IN

Complaint narrative:
On XX/XX/2022, {$3300.00} was stolen from me off of my Wisely  by XXXX card. I did not authorize the transaction due to me having XXXX and in the hospital. I have submitted proof to XXXX of me being in the hospital to prove that I did not authorize the transaction. They told me to email the documents and mail them I did but when I called a week later a guy told me they never received anything and that I wasnt suppose to email them only mail it, in which I did. They told me they dont give out previsionary credits and they cant tell me whether Ill get my money back or not until I get a letter in the mail. I still havent received anything and I am behind on my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Earnest Inc.
State: VA

Complaint narrative:
Earnest reported my payment as 60 days past due after to phone calls where I stated hardship and noted I would pay within 2 months and asked if there would be any adverse impact on my credit and they said no. 

Only to my surprise that a day before the scheduled payment my credit score is now tanked over XXXX points preventing me from buying the townhome I was planning to save for this fall. 

I spoke to Earnest on XXXX occasions to no avail. The account is now up to date and I am seeking the 60 days past due removal as it was predatory and done to ruin my creditworthiness and not reflective of my creditworthiness and Earnest lied when they noted that due to hardship the later payment would have been fine. Also despite disputes and numerous calls they have failed to update the account as current and still have it listed on all my credit reports as late. 

After a phone call I was told a manager would call me back and never received a call, I called again and was denied access to a supervisor or escalation to a more senior employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$620.00} XX/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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had been with Wells Fargo for almost 20 years and had a business account with them for about 15 years. I run a small nonprofit. I had repeated asked them go do I build my business credit. Can I get a secured credit card, a secured business loan, information about community reinvestment funds. They gave me and helped me with NOTHING!! During the pandemic they wouldnt even help the payroll from the government because we were a micro business. It never dawned on me that I was a female, XXXX run business so they were NEVER going to take the risk and I was being redlined. So when we got a new grant I opened up a new account just for payroll! I had no problems with my account prior to then. After that, they closed my account, in XXXX and sent the check to an address I told them was no longer up. We had the building leveled to rebuild ( I had also been asking them what kind of loans could I get for the building under community development ( never helped ). I still have not received my check and they want me to pay over {$1000.00} to put a stop payment on the check to reissue it when I told them repeatedly the building was not there. I still have not received our money!

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I am writing to request the method of verification for dispute initiated on XX/XX/XXXX followed up with written disputes on XX/XX/XXXX regarding the disputed items below. It has been more than 30 days and I have not received any proof that your company validated the debt. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information that is known to be false can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. Please send me a copy of my updated credit report as soon as the above has been completed. 

XXXX. VALIDATE ACCOUNT XXXX  XXXX XXXX ACCOUNT # XXXX Please delete this account or provide validation information. 

For each of the disputed items above, I am requesting that you provide the following information : XXXX. The name of the original creditor XXXXThe creditor 's address and telephone number XXXX. The persons name they veri ! ed the dispute with XXXX. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness, accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hi! I usually use XXXX XXXX with my BOA debit card. After having this account for years, Ive only ordered XXXX 2-3 new bank cards when they were lost. This time I wasnt aware of this card being lost. Until I noticed an unusual transaction on my card and Ive had this bank and only this bank for the longest, and this would be the FIRST time Ive been a victim of fraud. I called & reported this and was told to open a new account and order a new card.. which I did. But now Im unable to even open an account although I was not at fault. I love this bank and never had any issues with them until NOW! I am beyond angry because I am being punished for someone elses doing and I was not aware until late notice. So now I have to start over with a NEW bank and resubmit all of my information to each and every one of my jobs I am truly saddened that they have to lose a costumer due to the lack of empathy.

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: NJ

Complaint narrative:
In XXXX  I had XXXX fender bender. XXXX of these accidents were hit and run, the other another person fan into the left rear of my vehicle. As stated in my police reports I was never at fault for any of these accidents. Ive done XXXX for over three years and all these accidents occur during that time. However I loss my XXXX and XXXX account base on the report of these accidents by Checkr and in the pass XXXX  months I have been denied several delivery jobs by XXXX and others because of the inaccuracies of this report by Checkr. Ive reached out to them over and over again, trying to submit documents backing my claims and I have been unsuccessful so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
been trying to get Bofa to stop discrimination against me as I am XXXX and a senior. The credit card division has NONE NOTHING to correct the problem and lied to the cf.gov when they said they are working on it. they contacted me on XX/XX/23. I asked some simple questions and they have NOT replied or contacted me in over 15 days!!! this has impacted my credit report and I am unable to get another credit card because of them! 
I was rejected for too high credit limit since they will not reduce my credit line and too manys cards as well since I had to close the last one that they refused to lower my limit. 
You need to advise on where to file my discrimination report with the us government.

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