vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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: Grain Technology, Inc.
State: TX

Complaint narrative:
XXXX XXXX Please review the complaints I filed regarding Grain. 

1st - The company has not been able to provider proof that the credit reporting was adjusted. My report still reflects negative. Per their response, Grain advised that they corrected the negative reported to current. See the attached screenshots from emails I sent one from XXXX and they have not responded. When I call no one comes on the line. Its just an answer machine. 

2nd - Grain allows you to withdraw credit that the loan has accrued and I have. It been able to withdraw the available credit.

Since Grain has failed to respond to me Im not sure what is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We sold our home on Friday XX/XX/2022. A wire was sent from XXXX Bank at XXXX CT. It is now XXXX on Tuesday XX/XX/2022 and Bank of America refuses to release the funds to our account. This is for a home sold in XXXX Tx to by US citizens to US citizens using 2 US banks to transfer money. This should be an easy process but Bank of American is holding our money saying it is in " Mandatory Regulatory Review ''. They will not give us the reason for this review process or when we can expect to see the proceeds from the sale of our home to be deposited in our account. This is a significant amount of money {$530000.00}. Their refusal to give us our money is soon going to cause my family serious financial hardship. There is nothing unusual about selling or buying a house. We need 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 explanation
Consumer complaint received 2022-04-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
MY IDENTITY WAS STOLEN and I submitted several complaints to the CFPB on behalf of Equifax. I mailed in my FTC reports that included fraudulent accounts. Equifax is still reporting the fraudulent accounts and I need them removed immediately because it is hurting my chances on getting a home and this is all because of accounts that do not belong to me. I never had any contracts with the Department of Education. I submitted the FTC reports to Equifax several times and they are failing to comply and remove the fraudulent accounts. I submitted two FTC reports and they only processed one report. I called in and was told to send in the other report by a representative. I mailed the documents in and the tracking number is XXXX via certified mail with the XXXX. The document arrived on XX/XX/2022 and Equifax has 4 days to block and remove the fraudulent accounts and they haven't yet. Please remove these accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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 Accounts listed below, 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 All these account has been disputed several times and the information isn't 100 accurate and its very frustrating to keep trying to dispute these accounts and nothing is being changed or deleted. This is my last try at this. 

Account with incorrect information : XXXX XXXXr XXXX XXXX XXXXr XXXXXXXX XXXX  XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Account paid and payment history is expectational XXXX XXXX XXXXXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Accounts listed below, 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 All these account has been disputed several times and the information isn't 100 accurate and its very frustrating to keep trying to dispute these accounts and nothing is being changed or deleted. This is my last try at this. 

Account with incorrect information : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account paid and payment history is expectational XXXX XXXXXXXX XXXXXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX Credit XXXX 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 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vanguard Financial Services, Inc.
State: VA

Complaint narrative:
I received a letter DATED XX/XX/2022 stating I had services at XXXX XXXX XXXX {$920.00}, but the letter came in very recently. 

I do not make many larger transactions, I have owned my car outright for over 3 years and do all maintenance personally, and I have never heard of XXXX XXXX  

It states I must write within 30 days or they will assume their information is correct. I do not wish to contact the company as I know this claim is false. I researched the company and all the reviews were stating they had a similar experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-19 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: MS

Complaint narrative:
In accordance with the Fair credit reporting act Personify # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I Have a right to privacy. 

15 U.S.C 1681 Section 604a 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 2022-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Good afternoon! 

I purchased XXXX XXXX in XXXX. I was young and bought the the car with no paystubs or anything. Dealership falsified documents to be approved with Santandor. Santandor has XXXX dollar lawsuit that I qualified for but the car was totaled and therefore forfeits the lawsuit. 

The car was at 16 % interest rate. The car was totaled in XXXX and was paid by my car insurance and the remaining amount was paid by XXXX insurance. 

Santandar is still reporting a remaining amount due which is completely false. I have tried everything to get this resolved and taken off my credit report XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I put the wrong account number for my first 2 stimulus payments which was 2 years ago. The IRS keeps saying the XXXX has it and has sent me paperwork saying as much stating it was deposited {$600.00} on XX/XX/2020 and {$1200.00} on XX/XX/2020 and they say they dont that the irs has it. I dont feel like the XXXX is trying hard enough to find my money and get it to where it needs to go. Ive been through the refund trace process with the irs and everything and still no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: IL

Complaint narrative:
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
IN XX/XX/2021 MY CREDIT AND BANK ACCOUNT WAS COMPRIMISED A NEW ACCOUNT AND CHARGES WHERE MADE FROM MY CHECKING ACCOUNT WITH CHASE BANK AND A NEW BANK ACCOUNT WAS OPENED WHEN I FOUND OUT I CLOSED THE ACCOUNT AND NOTIFIED ALL ENITIES I HAD DEALINGS WITH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I was left a voicemail asking me to call a number because I was going to be served in a civil matter. I called back confused and asked who the creditor was and they said XXXX XXXX. I have not had a XXXX XXXX account in over 15 years. I have not been contacted previously about any debt with XXXX XXXX  and they closed down in XXXX when I lived there. They kept saying we are going to have you served and you need to confirm your information. They knew the last four digits of my SSN and my account lace of employment but again this is the first I am hearing of this debt and I asked them to send me the debt info in writing. On the message they left it says it was process service dispatch. When I called back they didnt even answer the phone as a business this guy just said hello and said his name is XXXX XXXX The phone number was flagged as likely a scam. The number that left the XXXX is XXXX which is a cell phone and not unusual since people are working from home and they left a number for me to call back at XXXX but I could not find a business registered to this number. At the end of the message the recording says Youve been notified as if this is set in stone and now Im going to be in trouble. I genuinely have no idea what this is about and they kept trying to intimidate me by saying they were filing a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: MS

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I am unsure when this happened, the original debt, but I found out through XXXX XXXX recently not through anybody. 

I asked them to remove it as I got no notification from the hospital or IC SYSTEM INC. 

This was a debt that was suppose taken care of with Medicare as well. So this should never have been to collections, the hospital must have side stepped that.

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 2022-04-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX, XXXX  Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-19 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: TX

Complaint narrative:
XXXX XXXX Please review the complaints I filed regarding XXXX. 

1st - The company has not been able to provider proof that the credit reporting was adjusted. My report still reflects negative. Per their response, XXXX advised that they corrected the negative reported to current. See the attached screenshots from emails I sent one from XXXX and they have not responded. When I call no one comes on the line. Its just an answer machine. 

2nd - XXXX allows you to withdraw credit that the loan has accrued and I have. It been able to withdraw the available credit. 
Since XXXX has failed to respond to me Im not sure what is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am a credit account holder with Bank of America Visa. On or about XX/XX/2022, I received partial notification from Bank of America ( via email and website ) of a series of fraudulent charges on my Visa credit account. I immediately went to the Bank of America website, saw a series of series of fraudulent charges, and, in an interactive menu, checked each of them as fraudulent. Bank of America, via the website, did not acknowledge my entry. I attempted again and again to deny these charges, however there seemed to be no acknowledgement ( some, though not all, were declined by Bank of America ). I could not even view any further charges since the website had then locked down my regular account page. It seemed it was stuck in an endless cycle on the confirm these charges question. I underwent a similar process on a Bank of America phone app, also to no avail. 


I can not even verify the names and dates because I can no longer view them on my account. I later noticed even further charges totalling over {$400.00}, which are fraudulent and were not authorized by me. Using the website, I again hit a roadblock each time I attempted to dispute the charges. 

I also attempted to contact Bank of America by telephone at various times after this, at XXXX XXXX XXXX, with no actual contact and no success. 

As to the business practices of Bank of America, I am extremely concerned by the refusal to acknowledge my clear notifications of these fraudulent charges. 
I was assured by the website that my card would be cancelled and replaced due to the fraud charges and could no longer be used. This did not happen. Please understand, as this was all on website and I was not able to capture it, I have no way of proving these actions did occur. 

Bank of Americas questionable credit practices place the account holder in an impossible position, since he will be concerned about additional fraudulent charges and yet unable to : 1 ) dispute them on the website, 2 ) shut off the card, or 3 ) close the account, since these options are unavailable and he can not even reach Bank of America by telephone. This is an absurd and unreasonable position. The charges continued running up nonstop with no end in sight. I was ultimately forced to take the action of sending a letter via the Postal Service.

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