vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have a rental property in XXXX On XXXX XXXX, my tenant, an XXXX single mother, contacted me in a panic as BB & T ( now Truist ) would not accept her deposit to pay the rent. 

I contacted the company, they informed me they now have a policy to not accept cash deposits except from the account holder. They also informed me, there is no Federal regulation which requires this, it is a company policy " to prevent money laundering '', that they could accept deposits by check or money order. I asked to have a written copy of the policy sent to my email account. I never received a copy of the policy. 

As I am on vacation in XXXX ( I live in XXXX  ), I visited a local branch ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) on XXXX. The representative ( XXXX ) I spoke with, informed me it was not a " policy '', but instead an agreement between Banks. He could show me on the screen, but he could not print it out since it was an " internal bank document ''. He confirmed there is no IRS or SEC regulation requiring such a standard, and it was to prevent money laundering. He also told me if I opened a business account, then they could accept cash deposits from anyone. 

I also called XXXX XXXXXXXX XXXX as they have a branch near my property in XXXX, but they informed me they have the same policy. They are happy to send a copy of the policy to my mailing address. 

I find this reprehensible. I charge a minimal rent ( less than {$1000.00} a month ). The family is on a tight budget, and having to purchase a money order is a small, but unnecessary expense. If there were significant amounts being deposited in my account, I would be willing to believe they have a legitimate concern, but this is ludicrous.

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 2021-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2021-12-21 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: TX

Complaint narrative:
On XXXX/XXXX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2021-12-21 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: TX

Complaint narrative:
I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull 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 2021-12-21 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: IL

Complaint narrative:
XXXX XXXX XXXX- Located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ran my credit on XX/XX/21 without my permission. I have not inquired or requested any services from them on XX/XX/21. Any business that I has with them has been completed and closed for some years and it does not give them the right to unlawfully run my credit whenever they choose to,

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 2021-12-21 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: CO

Complaint narrative:
I have funds ready to be added to my account. today it is needed to be open to add funds. I wanted to use this account for my Government refunds also receive my rewards. I don't have ID I don't have as card. I was robbed and having issues with getting these things to the time frame of receiving funds. I'm looking out on my rewards because of all these poofs. The info you have in me is plenty for my identity to prove it is me. I need the account to replenish that info. I feel I was used by Netspend to another block from my XXXX life. You promised $ to start up. And now I'm denied more access. Ridiculous ness!

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 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
This XXXX XXXX account XXXX of {$380.00} was opened on XXXX 2019. The problem was that I was out of the country working for XXXX XXXX and this account was opened by XXXX XXXX. He used my name to open up this account and this debt is his not mine. This is impacting my credit score and need this debt to remove off my credit report on the basis that identity theft was committed.

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 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX payment was reported late. This is not true. I've had this loan for two years ad never was late not one time. Payment was taken off of account for auto draft and was reported late. Can this get resolved ad take off as a late payment. I'm a great customer ad would not let this happen again.

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 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I RECEIVED A CALL FROM WELLS FARGO FRAUD PROTECTION ON XXXX XXXX, XXXX ASKING IF I AUTHORIZED A CHARGE FOR {$500.00} IN MY CHECKING AND {$200.00} IN MY SAVINGS. I REPLIED NO. THEY SAID THEY WOULD SEND ME A TEXT WITH A CODE TO READ IT BACK TO THEM. ONCE I DID, I ASKED WHAT HAPPENS NEXT AND THEY HUNG UP. I IMMEDIATELY CALLED WELLS FARGO TO REPORT THE FRAUD AND GOT TWO CLAIM # 'S. THEY SAID IT WOULD TAKE 7-10 BUSINESS DAYS FOR THEM TO INVESTIGATE. THEY GAVE ME NEW ACCOUNT FOR CHECKING AND SAVINGS AND SET UP PASSWORD AND USER ID. MONEY WAS TRANSFERRED TO NEW ACCOUNTS AND ON THE 7TH THE TRANSACTIONS WENT THROUGH XXXX. THIS COULD HAVE BEEN STOPPED BUT THEY LET IT GO THROUGH AND NOW THEY DON'T WANT TO GIVE ME MY {$700.00} BACK. THIS WAS ALL THE MONEY I HAD SAVED FOR MY XXXX GRANDCHILDRENS XXXX. I HAVE BEEN A CUSTOMER SINCE XXXX. THEY SHOULD BE PROTECTING ME, NOT THE 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 2021-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/ 2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
It started with this voicemail on XXXX/XXXX/2021 : They said I was being sued by Bank of America for a credit card I had canceled over 10 years ago. The amount was {$9000.00} but would settle for {$3900.00}. They said they sent multiple letters of collection intent but never heard back from me. 

The name of the company is XXXX XXXX XXXX. But it's confusing because when I called they also said they were a law firm : XXXX XXXX. 

Their phone number is : XXXX What was so concerning about this is they had my full social security number. 

I contacted Bank of America, but they couldn't find anything. I called the XXXX XXXX XXXX a few more times trying to figure out if it was a real company but they got progressively more impatient with me and eventually hung up on me. 

I would like to know how I can protect myself.

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 2021-12-21 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: WA

Complaint narrative:
This is in reference to the previous case of XXXX that you just closed! 

Why did you close this without requiring that Capital One provide evidence that I was responsible for the charge? 

I can't believe that a federal agency named for protecting the consumer would simply believe a credit card company without them providing a single shred of evidence that I was responsible for the charge! 

What is the value of your organization if you simple accept at face value the word of the credit card company without them providing any evidence that I made the charge?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weinstein, Karp & Associates, Inc.
State: MO

Complaint narrative:
Constant robo calls. I do not owe or have a debt in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NY

Complaint narrative:
when i checked my mail i received a prepaid net spend card on the XX/XX/XXXX and at this time i was doing training for a company so i thought it was from the company but i looked at the papers it said the card was i guessed printed to me on XX/XX/12 but i want to know why net spend has my info?, i already closed my account but i was wondering what can i do to stop this because i dont want my financial info being messed up.

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 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Hello, I am not sure if you deal with ALLY bank. I have had issues with them since I started banking with them. I had filled disputes earlier this month and they blocked my account from doing so. I am unable to even look at my account. I get paid through XXXX  which is linked to Ally. I called Ally to unlink my XXXX account and they will not do so. I have been hung up on when asking for a supervisor by the back office. I recently was paid through XXXX and they will not give me my money. I was told this would be resolved in 3-5 buisness days and this was on the XX/XX/XXXX. I need my money like anyone else and I don't see how this is legal to hold someone's earnings as Ally is doing. I've had nothing but issues with this bank from the start. At this point I don't care about the disputes I just want my money Tha was sent through XXXX and they will not give it to me!

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 2021-12-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

The following account needs to be removed immediately : Account Name : XXXX XXXX XXXX XXXX XXXX. Account number:XXXX. Reason : Please verify and validate all data for this account, every notation, dates, and balances, whether reported or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I deposited a check on XX/XX/21 via the mobile app. Normally I would have access to {$200.00} upfront and the rest would clear and be available the next day. With this check, there was no funds made available, and I was notified via app notification that the entire amount was placed on hold for at least 9 calendar days. This is an inordinate hold and gross misuse of power by Chase. 

I tried calling Chase twice on XX/XX/21 but was out on hold for for a total of over 3 hours. I was also told calling and waiting was the only way to get this resolved, and that they do not have capacity to handle all the calls they get. This seems predatory in nature and puts consumers in a difficult position where there are not able to work towards resolution in a reasonable manner.

Company response to consumer: Closed with explanation