vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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:
I sent Equifax a certified letter on XX/XX/XXXX which was received by their office on XX/XX/XXXX. They were notified of several fraudulent accounts listed on my consumer credit report that was NOT made by me. I requested that they block these fraudulent accounts ( LISTED BELOW ) under the Fairs Credit Act 605b. According to the fairs credit act, once requested the Credit Bureaus are REQUIRED to respond within 4 business days. EQUIFAX HAVE FAILED to respond and block these fraudulent accounts therefore violating my rights under The Fairs Credit Act. I also requested that EQUIFAX remove the fraud alert from my consumer credit report as I have had it on my credit report for 2 years and Equifax still reported fraudulent accounts to my consumer credit report severely damaging my family and myself financially. I may also note that My information was breached in the Equifax Breach XXXX and also recently in that data mishap at the beginning of XXXX in which my score was inaccurate because of their mishap which caused severe financial hardship. I I would like assistance in this matter and if possible request legal assistance against Equifax for their repeated violations. I have attached the original letter sent to Equifax which includes an official FTC report filed with the Federal Trade Commission. 

FRADULENT ACCOUNTS XXXX. XXXX XXXX XXXX XXXX account # XXXX Open Date : XX/XX/XXXX. Amount : {$32000.00} XXXX. XXXX XXXX XXXX XXXX account # XXXX Open Date : XX/XX/XXXX. Amount : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I am writing a letter about a pressing request concerning a XXXX XXXX XXXX XXXX  in my credit files that I would like to have revised. I received the XXXX Comenity card in XX/XX/XXXX and never missed a payment. In XX/XX/XXXX, I experienced XXXX damage to my home and was unable to live in it. I did not have Utilities or mail service. I recognize my responsibility with respect to making sure my payments are received on time and until XX/XX/XXXX, I never missed a payment, and my account was at a XXXX balance. I never made a purchase on my XXXX  XXXX  in XX/XX/XXXX ; therefore, when I received the call from Comenity bank collections in XX/XX/XXXX, I was in total shock. She informed me that my account was well over 45 days past due and without reviewing the charge, I immediately paid the bill to avoid any further fees and to bring my account current. 
Once I was able to log in the account, I was appalled. The charge in XX/XX/XXXX was not an authorized charge. It was for a O membership that I did not give authorization to charge. I immediately called XXXX and the customer service member reversed the charge and credited my account for the {$21.00} unauthorized charge. I assumed that would correct the credit reporting issue ; however, it did not. Comenity bank issued me a refund by check for the {$21.00} because my account had a XXXX balance but did not reverse the payment history to reflect I never missed a payment. 
After losing my home, I begun to shop for a mortgage, and it has come to my attention that the late notations from my XXXX card ending in XXXX has caused me to disqualify for a loan. Since those notations do not reflect my true payment history, I am requesting revise those tradelines. I have reached out to the company, sent in proof of the reversal and contacted the credit bureaus. Nothing has been done. I ask that you respond within 30 days by removing the negative mark from all credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Fraudulent activity on account over a period of 4 months. Activity was not noticed as fraudulent due to the payment being listed under " XXXX '' in which I currently have an active credit account. I was able to review my active XXXX XXXX  account in which there was no correlation to monies being taken from my Wells Fargo being added to my XXXX XXXX credit account. Initial activity noticed on XX/XX/XXXX in which Wells Fargo was notified. I was able to go through my account statements and activity and noticed an ACH withdrawal for the amount of XXXX on the following dates. 
XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Wells Fargo was contacted with this activity in which all related dates were canceled and placed on " stop payment ''. Total amount of fraudulent activity was {$4.00}, XXXX taken from my account with knowledge or approval. The Wells Fargo rep stated the reference numbers used for the fraudulent ACH withdrawals were not common XXXX XXXX  reference numbers used. As of XX/XX/XXXX I contacted Wells Fargo to discuss the status of the claim in which I was informed denied being that transactions were not reported " promptly ''. This is egregious being the amount of funds stolen from me in addition to it being in fact confirmed fraud and will not issue a refund. I have been a Wells Fargo customer over 10+ years this is appalling especially when it is documented your funds is insured with them in the event of fraudulent activity. Its even worst they are not even try to compromise at least a portion of the monies taken!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUSTMARK CORPORATION
State: FL

Complaint narrative:
Over the weekend i receive 2 notices from 2 different banks that one account was open and the account is opt to receive over draft protection from Trustmark bank check account ending in XXXX. I called today and the security department closed the account and did advise there was no transaction due to the quick response. I have never done business or heard of this bank. Phone number i contacted was XXXX. The bank is sending me an affidavit so i can file a complaint with the FTC. Thankfully i was able to catch the fraud before it ecalated. 

I received another notification from online bank called XXXX XXXX bank located XXXX XXXX XXXX, XXXX, Fl. XXXX. Phone # XXXX. Someone attempted to open an account in my name from another bank and was not successful. I also reported this as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One credit card authorized a merchant to charge me twice without my approval and although I had cancelled the original card and the merchant didn't have the updated credit card information, Capital One updated the merchant with the new credit card that I have yet to this day activated. I have been in dispute with Capital One since the charges in XXXX and they refuse to submit documentation they state they have that shows that I authorized the transactions. Not only are they refusing to resolve this issue for me, they are also stating that I never submitted proof, even though I did twice, once through a secure link and once via hard copies. They have now added late fees and interest charges that they are refusing to remove as well, even though I have not had a single transaction on the account and it has been in dispute since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX continues to allow lvnv funding to reporting an 2 open collections on exempt funds violate the Exempt income protection act an account that is exempt from debt collection should not be reporting an open account or any account this is considered continuous collection on exempt funds and must be deleted at once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
I applied for mortgage assistance XXXX XXXX through XXXX  whom told me I am approved but needs homepoint to sign the agreement form. After months of calling trying to get assistance I was told the form was signed in XXXX however the XXXX  company stated that homepoint sent the agreement but not the W9 that is required to send back with the perticipating form. I am in fear of foreclosure due to this. The lady that was working on this same compl Said I cant call her about this matter. No one will give me a supervisor name and contact info to get this resolved. Homepoint is saying that they receive payments from XXXX  already for other accounts and dont have to do anything on their end. However XXXX  is saying that is for their sister company not homepoint directly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Funds were available in account during all transactions were processed except 1 XXXX {$14.00} XX/XX/22 Yet I was assessed XXXX overdraft fees starting from XX/XX/22 & 1 was from Truist banking fees yet terms & conditions states is only for debit card transactions? so 6 fees over 1 transaction? Extremely unfair! & upon calling customer service I was told I have had previous fees removed? Impossible as this Is a brand new account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29 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: LA

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 has violated my rights. 
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 a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been trying to resolve these issues since XXXX until now XX/XX/XXXX with no real response to how did they verify the accounts and no change. I wrote to the United States Bankruptcy Courts on XX/XX/XXXX and they responded back that they do not report cases to credit agencies. I also wrote to XXXX several times and they have resolved and removed the Bankruptcy reporting off my report. I sent the proof to all of the credit agencies : Transunion, XXXX and XXXX and they are stating validated, I have sent at least 3 letters and twice by certified mail. In the letters I asking how did they verify the accounts and please send me a copy of my credit report and I received no answer nor a no letter, just an email from Transunion, with Validated. This is unacceptable, unprofessional and very irresponsible on they're behalf with the timeframe of 30-45 days and no letters with the answers and they are not even answering my questions. I need them to revisit the investigation, research, review and advise me with 30 days how did they verify this information and if they can not in writing Remove the items IMMEDIATELY from all credit reports and send me a updated credit report. 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 non-monetary relief
Consumer complaint received 2022-08-29 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account u open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I closed my credit card account with XXXX bank and it is being listed as open on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I bought cryptocurrency through venmo they let me buy the cryptocurrency sell the cryptocurrency but now they won't let me access the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX has violated my rights. 
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 a consumer reporting agency can not 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 2022-08-29 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX has violated my rights. 
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 a consumer reporting agency can not 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 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
Approximately XXXX XXXX opened Checking/Saving Accounts with USAA. However, suspected USAA were slowly stealing funds from account. This was more evident when around XX/XX/XXXX a substantially large amount of funds were taken in order to deplete my account of funds to intentionally cause default in Mortgage and Car loan. Approximate amount undetermined. However, {$43000.00} was deposited in XX/XX/XXXX and 8months later all funds were missing. Disputed with bank but was told that no transaction exist to support complaint. I asked bank to utilize all transactions for entire year ; but, was again denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Albert Corporation
State: TX

Complaint narrative:
I applied for and received a " cash advance '' from Albert ( using the XXXX App ) on XX/XX/XXXX for {$150.00}. Repayment is supposed to occur on my payday. In the past, it would occur on the day after which I get paid on the XXXX and the last day of each month. Albert is aware of this as they request direct access to my bank account for payday amount and timing verification. On XX/XX/XXXX, 4-5 days before my payday, Albert accessed my bank account to take repayment and of course, there wasn't enough money in my account at the time. I get paid on the XXXX ( unless my payday falls on a weekend, then I would get paid the Friday prior ). When Albert was not able to withdraw {$150.00} ( the advance plus a processing fee ), Albert submitted 11 transactions to withdraw from my bank account in amounts ranging from {$.00} to {$16.00}. Each of these transactions has now incurred overdraft fees from my bank leaving my account in the negative. I was not notified that the loan would be taken out in small increments that would do this much damage to my bank account and according to their own words on their website, I was supposed to be able to use Albert to " Cover bills We dont believe in overdraft fees. Instead, we help you make ends meet by advancing up to {$250.00} from your next paycheck. No interest. No credit check. '' By withdrawing money before my payday and then proceeding to withdraw it in 11 transactions when the first did not go through, they clearly do believe in overdrafting its customer 's accounts. Please help me not only clear up this mess, but also rectify the damage to my bank account relationship.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I received debt collection letters from XXXX XXXX XXXX on behalf of the Genesis FS credit card company for a credit csrd debt that is not mine. What actually happened was that I paid the owner of a painting company with a personal check and he used the check account number and routing number info to steal more than {$7000.00} from my checking account to pay for some of his credit card debt including debt to Genesis FS card.I reported the fraud to my. bank XXXX and the matter was resolved with the Genesis FS card Co ( I have a letter from my bank stating as so ). Now it seems thaht Genesis FS card Co, decided t go after me for a debt that is not under my name, I want this to be kept out my credit score report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit reporting agencies do not provide credit scores for free, nor will they provide all of your credit scores. This is harmful to consumers. Credit reporting agencies should be required to provide ALL credit scores they provide to creditors, lenders, insurance companies, etc., and explain the differences between those scores. Why in this day and age has Congress not passed a law that allows consumers to have immediate, and always available access to not just their credit reports, which they can only get for free once per year, but also access to ALL of the credit scores that a credit reporting agency will generate for use by their paying creditors. Credit reporting agencies make the vast majority of their profits from creditors who request credit scores and reports on consumers, so stop making consumers have to pay for this information and make it always available and make ALL information available, not just a credit report. Scores are what matters, and consumers should be able to know each and every score that a credit reporting agency maintains about them, and they should be able to get this information at no cost, and on an immediate basis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My fraudulent charges claim with Bank of America was denied. The following charges from XXXX ( {$16000.00} ) from XX/XX/22 thru XX/XX/22. The following charges from XXXX ( {$6900.00} ) from XX/XX/22 thru XX/XX/22. The following charges from XXXX XXXX ( {$2000.00} ) from XX/XX/22 thru XX/XX/22.

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